央行“降息”！你的房贷能省多少？
<section powered-by="135编辑器" data-mpa-powered-by="yiban.io" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><section powered-by="135编辑器" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">LPR迎来“降息”。5月20日，中国人民银行授权全国银行间同业拆借中心公布，最新一期贷款市场报价利率（LPR<span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">）</span>为：<strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">1年期LPR为3.7%，5年期以上LPR为4.45%。</strong></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"></strong></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0.5em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">5年期以上LPR与房贷相关，因此备受关注。据业内专家测算，此次调整后，按照50万元、期限30年、等额本息还款估算，平均每月可减少月供支出约45元，未来30年内共减少利息支出约1.6万元。</p><section style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></section><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(11, 70, 166); visibility: visible;"><strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">对房地产市场有何影响</strong></span></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(11, 70, 166); visibility: visible;"><strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"> </strong></span></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">2019年8月LPR改革以来，5年期以上LPR下调4次，从4.85%降至4.6%，此次调整后进一步降至4.45%。与企业贷款不同，个人住房贷款期限长，目前99%以上的个人住房贷款利率与5年期以上LPR挂钩。</p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"></p><section style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(136, 136, 136); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-align: center; visibility: visible;">来源：中国货币网 </span></section><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">近日，央行、银保监会发布《关于调整差别化住房信贷政策有关问题的通知》，将全国层面新发放首套住房商业性个人住房贷款利率下限从LPR调整为LPR-20BP，二套住房贷款利率下限保持LPR+60BP。</p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">此次调整后，<strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">按照最新LPR计算，个人住房贷款利率最低可达首套房4.25%，二套房5.05%。</strong>5年期以上LPR下行，有助于落实中央政治局会议精神，支持刚性和改善性住房需求，减轻居民房贷利息压力，稳定投资、消费和宏观经济基本盘，促进房地产市场平稳健康发展。</p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(11, 70, 166);"><strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </strong></span></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(11, 70, 166);"><strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">对购房家庭有何影响</strong></span></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;">2019年LPR改革完成后，所有新发放、存量商业性个人住房贷款利率均以相应期限LPR为定价基准加点形成。</p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;">“本次LPR调整对新发放和存量个人住房贷款均会产生影响。”有关专家表示，对于新发放商业性个人住房贷款，利率将立即下调15个基点，叠加央行、银保监会5月15日将全国层面新发放首套住房商业性个人住房贷款利率下限从LPR调整为LPR-20BP，新申请住房贷款的居民家庭将迎来双重利好，购买二套房的居民家庭也能从中获益。</p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">对于存量商业性个人住房贷款，也将在购房人与商业银行合同约定的利率重定价日（大多为每年1月1日）后下调15个基点。</strong></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"> </p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">按贷款金额50万元、期限30年、等额本息还款估算，平均每月可减少月供支出约45元，未来30年内共减少利息支出约1.6万元。</strong><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px;"></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p></section></section></section></section></section></section><hr style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; white-space: normal; text-align: center; background-color: rgb(255, 255, 255); color: rgb(62, 62, 62); line-height: 25.6px; letter-spacing: 0.54px; font-family: 微软雅黑; box-sizing: border-box !important; overflow-wrap: break-word !important;"/><p><br/></p><section style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); line-height: 1.6em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 15px;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;">来源：</span><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; widows: 1; color: rgb(136, 136, 136); letter-spacing: 0.544px;">江西发布综合中国经济网</span></span></section><p><br/></p><link rel="stylesheet" href="http://bbs.jjxw.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_fDg" id="wcn_editor_css"/> 九牛一毛 降了也是明年的事现在高兴有点早
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