今起下调！你收到短信了吗？
<section data-tools="135编辑器" data-id="132758" data-mpa-powered-by="yiban.io" style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -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); 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;"><section data-autoskip="1" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.578px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">万众期待的降存量首套房贷利率<br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/>今天正式执行！<br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.578px; box-sizing: border-box !important; overflow-wrap: break-word !important;">很多小伙伴纷纷晒出通知单：</span></span></section><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); font-size: 16px; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;">部分网友晒图</span></p><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 2em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section><section style="margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; border-width: 0px; border-style: initial; border-color: initial; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); overflow: hidden; font-size: 18px; word-break: break-all; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 2em !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; color: rgb(72, 72, 72); letter-spacing: 0.544px; text-indent: 34px; box-sizing: border-box !important; overflow-wrap: break-word !important;">目前多家银行在手机银行上线了“存量房贷利率调整”服务，同时也为客户提供配套查询服务，简化办理流程。比如在工商银行手机银行首页就能看到“利率调整”模块，里面显示这笔贷款是不是符合条件的首套贷款。如果是符合条件的首套贷款，不需要个人去向银行申请下调利率，<strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">银行会在9月25日主动批量调整，</strong></span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-indent: 34px; font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; color: rgb(171, 25, 66); font-size: 19px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">并把结果通过短信方式通知本人（你收到了吗？），</strong></span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 17px; font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(72, 72, 72); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-indent: 34px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">新的利率水平在当天生效。 </strong></span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(171, 25, 66); box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"></strong></span></span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 2em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section><section style="margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; border-width: 0px; border-style: initial; border-color: initial; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); overflow: hidden; font-size: 18px; word-break: break-all; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 2em !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; font-size: 17px;">四川宜宾市的王先生于2019年贷款90万元购买了人生的第一套住房，贷款期限30年。</span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 2em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section><section style="margin: 5px 0px 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; border-width: 0px; border-style: initial; border-color: initial; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); overflow: hidden; font-size: 18px; word-break: break-all; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 2em !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; font-size: 17px;">“当时我的房贷利率和大家都差不多，执行5.8%，后来随着LPR调整降为5.15%，但和现在的房贷利率相比还是有点高，说实话我们都准备筹钱把房贷还了。”王先生称，首套房房贷利率调整政策落地后，如果按政策他们的房贷利率最低可以调成</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; font-size: 17px; color: rgb(0, 0, 0);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">4.2%，每个月可以少还利息530元，</strong></span><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(171, 25, 66); font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; font-size: 19px;">总共少还利息近17万元。</span></strong></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 2em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; visibility: visible; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; line-height: 2em; 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;"/></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-align: center; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; color: rgb(136, 136, 136);">部分微博网友晒图</span></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 2em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">江西发布了解到，多家银行近期都在手机银行上线了“存量房贷利率调整”功能，并且提供查询服务，方便办理流程。</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-weight: bolder; letter-spacing: 2px; color: rgb(171, 25, 66);">通过各银行手机APP，借款人可在相关栏目中查询到个人住房贷款的放款日期、合同金额、贷款期限、已还本金、执行利率等信息，</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">并可实时关注办理进度。</span></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">根据各家银行发布的常见问题释疑，总体来看，</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-weight: bolder; letter-spacing: 2px; color: rgb(171, 25, 66);">此次调整分为两类情形：首套房和二套转首套。</span></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><ul class=" list-paddingleft-2" style="margin-right: 8px; margin-left: 8px; padding: 0px 0px 0px 1.2em; outline: 0px; max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><li><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">对于</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-weight: bolder; color: rgb(171, 25, 66);">首套</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">房贷利率调整，客户将不需要任何操作，银行将主动批量调整；</span></section></li></ul><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><ul class=" list-paddingleft-2" style="margin-right: 8px; margin-left: 8px; padding: 0px 0px 0px 1.2em; outline: 0px; max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important; overflow-wrap: break-word !important;"><li><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 2em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">对于“</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-weight: bolder; color: rgb(171, 25, 66);">二套转首套</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">”的情况，则需要借款人主动向银行提出申请，多家银行表示可从9月25日起向银行提出申请，10月22日（含）前提交的申请，经确认符合条件，拟于10月25日采取变更合同利率的方式进行统一调整，新的利率即日生效，此前利息按原合同利率水平计算。</span></section></li></ul><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">据统计，存量首套住房商业性个人住房贷款利率调整后，</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-weight: bolder; letter-spacing: 2px; color: rgb(171, 25, 66);">几千万户、上亿居民的财务负担会有明显下降，平均降幅大约为0.8个百分点。</span></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></span></section><section style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; text-indent: 2em; line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">以100万元、25年期、原利率5.1%的存量房贷为例，假设房贷利率降至4.3%，</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-weight: bolder; letter-spacing: 2px; color: rgb(171, 25, 66);">可每年为借款人节约利息支出超5000元。</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">降首套房贷利率政策与“认房不认贷”政策如果“双管齐下”，借款人减轻房贷负担的效果会更加明显。</span></section></section></section></section><hr style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; white-space: normal; background-color: rgb(255, 255, 255); font-size: 16px; text-align: center; 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 style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); font-size: 16px; caret-color: rgba(0, 0, 0, 0); -webkit-tap-highlight-color: rgba(0, 0, 0, 0); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px; 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, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 15px; letter-spacing: 0.544px; text-indent: 0em; widows: 1; caret-color: rgb(34, 34, 34);">来源：江西发布综合每日经济新闻、北京日报、红网、微博网友评论等</span></p><p><br/></p><link rel="stylesheet" href="//bbs.jjxw.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_ree" id="wcn_editor_css"/> 够骚扰的 有贷款的同胞有福了
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