下调时间定了！乐清人可以剩一大笔钱-乐清城市网-品读乐清生活,透视社会万象

南港清风 发表于 2024-9-30 13:35:33

下调时间定了！乐清人可以剩一大笔钱

<section class="" >
<span style="font-size: 16px;">9月29日晚，人民银行发布公告称将引导存量房贷利率批量下调，市场利率定价自律机制发布倡议，明确各家商业银行原则上应在2024年10月31日前对符合条件的存量房贷开展批量调整。</span>
</section>
<section class="">
<span style="font-size: 16px;"><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><br/></strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">多家银行官宣将调整存量个人住房**利率，</strong><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">并响应倡议要求，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">表示10月12日发布具体操作细则。</strong></span>
</section>
<section class="">
<span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;font-size: 16px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;visibility: visible;"><br/></span></strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;visibility: visible;">中国工商银行</span></strong></span><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;visibility: visible;">公告称，积极响应自律机制倡议，正在有序推进存量房贷利率调整工作。该行将按照市场化、法治化原则，依法合规开展存量房贷利率调整工作，拟于2024年10月12日通过中国工商银行官网、微信公众号、网点、95588等渠道公布具体操作指引及相关事宜，并于2024年10月31日前完成存量房贷利率批量调整工作。</span></span>
</section>
<section class="">
<span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;"><br/></span></strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">中国农业银行</span></strong></span><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">公告称，将按照市场化、法治化原则，通过多渠道提供便利服务，依法合规开展好利率调整工作，将于2024年10月12日发布具体操作事宜，2024年10月31日之前统一对存量商业性个人住房**利率实施批量调整。后续会在中国农业银行官网、微信公众号、**经办行、95599等渠道公告相关信息。</span></span>
</section>
<section class="">
<span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;"><br/></span></strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">中国银行</span></strong></span><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">公告称，积极响应自律机制倡议，正在依法有序推进降低存量商业性个人住房**利率工作。该行将按照市场化、法制化原则，依法合规制定实施细则，同时进行技术准备，拟于2024年10月12日通过该行官方网站、官方微信公众号、**经办行、95566等渠道发布具体实施细则，并于2024年10月31日前对存量房贷利率实施批量调整。</span></span>
</section>
<section>
<br/>
</section>
<section class="">
<span style="font-size: 16px;"><span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">中国建设银行</span></strong></span><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">公告称，该行正在抓紧制定批量调整存量房贷利率实施方案，拟于2024年10月12日发布具体操作细则，2024年10月31日前完成批量调整。相关事宜将及时在建设银行官方网站、微信公众号、网点等渠道发布。</span></span>
</section>
<section>
<span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;"><br/></span></strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">交通银行</span></strong></span><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">公告称，该行积极响应市场利率定价自律机制倡议，正在依法有序开展存量商业性个人住房**利率调整的准备工作，拟于2024年10月12日发布具体操作事宜，2024年10月31日之前统一对存量商业性个人住房**利率实施批量调整。后续该行将在交通银行官网、微信公众号等渠道公告，用户可通过手机银行、**经办行、95559咨询。</span></span>
</section>
<section class="">
<ai type="6" style="color: rgb(0, 0, 0);font-size: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="font-size: 16px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><br/></strong></span>
</ai>
</section>
<section class="">
<ai type="6" style="color: rgb(0, 0, 0);font-size: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="font-size: 16px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;">中国邮政储蓄银行</strong></span>
</ai><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">发布公告称，积极响应自律机制倡议，按照市场化、法治化原则，依法有序推进存量商业性个人住房**利率调整工作。</span>
<ai type="6" style="color: rgb(0, 0, 0);font-size: 16px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="font-size: 16px;">中国邮政储蓄银行</span>
</ai><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(255, 255, 255);letter-spacing: 0.034em;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">表示，该行正在抓紧制定存量房贷利率调整实施方案，拟于10月12日发布操作细则公告，并于10月31日前完成存量房贷利率批量调整工作。</span>
</section>
<section>
<br/>
</section>
<section class="">
<span style="font-size: 16px;"><span style="letter-spacing: 0.034em;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">中信银行</span></strong></span><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">公告表示，该行积极响应市场利率定价自律机制倡议，依法有序推进存量商业性个人住房**利率调整工作。目前该行正在抓紧制定存量房贷利率调整实施方案，拟于2024年10月12日发布具体操作细则，2024年10月31日前完成批量调整。</span></span>
</section>
<section style="-webkit-tap-highlight-color: transparent;margin: 0px 16px;outline: 0px;line-height: 1.75em;">
<br/>
</section>
<section style="-webkit-tap-highlight-color: transparent;margin: 0px 16px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" class="">
<br/>
</section>
<section style="-webkit-tap-highlight-color: transparent;margin: 0px 16px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;text-align: center;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="color: rgb(255, 41, 65);font-size: 16px;"><strong mpa-from-tpl="t" style="color: rgb(72, 64, 64);font-size: 16px;letter-spacing: 0.544px;text-align: center;white-space: normal;background-color: rgb(255, 255, 255);-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><span mpa-is-content="t" style="color: rgb(255, 41, 65);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">存量房贷利率下调，能省多少</span></strong></span>
</section>
<p style="-webkit-tap-highlight-color: transparent;margin: 0px 16px;outline: 0px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75em;text-align:center;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" align="center">
<span style="color: rgb(0, 0, 0);font-size: 16px;"><strong mpa-from-tpl="t" style="color: rgb(72, 64, 64);font-size: 16px;letter-spacing: 0.544px;text-align: center;white-space: normal;background-color: rgb(255, 255, 255);-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><br/></strong></span>
</p>
<section class="">
<span style="font-size: 16px;">9月29日晚，中国人民银行会同金融监管总局出台四项金融支持房地产政策，其中包括将引导存量房贷利率批量下调。</span>
</section>
<section>
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">同时，市场利率定价自律机制发布倡议，明确各家商业银行原则上应在2024年10月31日前对符合条件的存量房贷开展批量调整，将利率较高的存量房贷利率降至全国新发放房贷利率附近，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">让借款人尽早获益。</strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><strong style="letter-spacing: 0.544px;color: rgb(255, 41, 65);font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><span style="letter-spacing: 0.544px;widows: 1;font-family:-apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><br/></span></strong></span>
</section>
<section>
<span style="font-size: 16px;"><strong style="letter-spacing: 0.544px;color: rgb(255, 41, 65);font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><span style="letter-spacing: 0.544px;widows: 1;font-family:-apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">绝大多数借款人可一键式操作</span></strong></span>
</section>
<section>
<br/>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">倡议称，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">绝大多数借款人可通过网上银行、手机银行等渠道完成“一键式操作”，无需到商业银行网点办理，</strong><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">具体请及时关注承贷商业银行官方平台发布的有关信息。</span></span>
</section>
<section>
<p style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">对于调整方式，倡议提出，各商业银行应尽快完成合同文本变更、系统改造等前期准备工作，确保如期完成存量房贷利率调整相关工作。</span>
</section>
<section>
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">人民银行还发布公告称，对于**购买住房的居民家庭，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">商业性个人住房**不再区分首套、二套住房，最低首付款比例统一为不低于15%。</strong></span>
</section>
<section>
<span style="font-size: 16px;"><strong style="letter-spacing: 0.544px;color: rgb(255, 41, 65);font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><span style="letter-spacing: 0.544px;widows: 1;font-family:-apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><br/></span></strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><strong style="letter-spacing: 0.544px;color: rgb(255, 41, 65);font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><span style="letter-spacing: 0.544px;widows: 1;font-family:-apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">百万房贷30年利息省超10万元</span></strong></span>
</section>
<section>
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">很多房贷族都关心，存款房贷利率批量调整后，利率能降至什么水平？银行业内人士表示，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">由于重定价日的不同，不同借款人的利率在批量调整后会有所差异，</strong><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">但在重定价日后，利率将降至全国新发放房贷利率附近。</strong></span>
</section>
<section class="">
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">据中国人民银行数据，截至7月末，全部存量房贷加权平均利率约为4.06%。按当前LPR3.85%测算，根据倡议，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">调整后的存量房贷利率批量调整后将降至约3.55%，</strong><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">利率较调整前的4.06%降幅约0.5个百分点，</strong><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">这一预计降幅为平均值，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">具体到每个合同将各有不同。</strong><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">3.55%的利率水平，也略低于2024年前8个月全国新发放**利率水平（3.61%）。</span></span>
</section>
<section>
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section>
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">记者算了笔账，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">以100万元、30年期、等额本息还款的存量房贷为例，</strong><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">假设该房贷利率从4.06%降至3.55%，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">可节约借款人利息支出超10万元，每年节省约3485元，月供少了约290元。</strong></span>
</section>
<section class="">
<br/>
</section>
<section>
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">人民银行此前表示，批量调整完成后，预计这项政策将惠及5000万户家庭、1.5亿人口，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">每年可为存量房贷家庭节约支出1500亿。</strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><strong style="letter-spacing: 0.544px;color: rgb(255, 41, 65);font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><span style="letter-spacing: 0.544px;widows: 1;font-family:-apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><br/></span></strong></span>
</section>
<section>
<span style="font-size: 16px;"><strong style="letter-spacing: 0.544px;color: rgb(255, 41, 65);font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><span style="letter-spacing: 0.544px;widows: 1;font-family:-apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">促进房地产市场止跌回稳</span></strong></span>
</section>
<section>
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">中国人民银行发布的公告还建立了存量房贷利率渐进有序调整的长效机制，如果未来新发放房贷利率继续下降，当存量房贷利率与全国新发放房贷利率偏离达到一定幅度时，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">借款人可与银行协商，申请将存量房贷利率调降至新发放房贷利率水平附近。</strong></span>
</section>
<section class="">
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">东方金诚首席宏观分析师王青认为，此次存量房贷利率下调政策落地速度快，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">超出市场预期，</strong><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">而且覆盖存量首套和二套房贷利率。去年首轮存量房贷利率下调只覆盖存量首套房贷利率，相比来看，这次的范围有所拓展。</span></span>
</section>
<section>
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">业内专家表示，此次存量房贷调整后，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">提前还贷会明显减少，</strong><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">也有利于银行稳定**规模，提高**质量。招联首席研究员董希淼表示，人民银行已降低存款准备金率0.5个百分点、降低政策利率0.2个百分点，节省了银行负债成本，提升银行可持续经营能力，为银行更好支持实体经济提供必要支撑。综合考虑这些政策措施，存量房贷利率调整后，银行净息差将有望保持基本稳定。</span></span>
</section>
<section>
<span style="letter-spacing: 0.544px;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><br/></span></strong></span>
</section>
<section class="">
<span style="font-size: 16px;"><span style="letter-spacing: 0.544px;color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;">人民银行公告还取消了房贷利率重定价周期最短为一年的**。</span></strong></span><span style="color: rgb(0, 0, 0);-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">对于新签订的个人住房**合同，自11月1日起，可由借贷双方自主协商重定价周期，重定价周期可按年、按半年、按季度。</span></span>
</section>
<section>
<p style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-size: 16px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<br/>
</p>
</section>
<section class="">
<span style="font-size: 16px;"><span style="color: rgb(0, 0, 0);letter-spacing: 0.5px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">“此次政策的积极意义还在于缩短了存量房贷利率调整周期。”王青说，接下来存量房贷利率和新发放房贷利率之间的联动性会进一步增强，</span><strong style="color: rgb(0, 0, 0);font-size: 16px;letter-spacing: 0.5px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family:"PingFang SC", system-ui, -apple-system, system-ui, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">消除了因新、老房贷利差提前偿还房贷的必要性，能进一步缓解潜在的提前还贷潮，有利于促进房地产市场尽快止跌回稳，避免影响居民消费。</strong></span>
</section>
<p style="margin-right: 16px;margin-bottom: 0px;margin-left: 16px;text-wrap: wrap;outline: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;background-color: rgb(255, 255, 255);visibility: visible;line-height: normal;font-family:system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;">
<br/>
</p>
<section data-role="outer" label="edit by 135editor" style="margin-bottom: 0px;letter-spacing: 0.578px;text-wrap: wrap;-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(255, 255, 255);visibility: visible;font-family:"PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<section data-role="paragraph" style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;" class="">
<p style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.578px;font-size: 16px;color: rgb(34, 34, 34);line-height: 1.75em;text-align:left;font-family:system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" align="left">
<span style="-webkit-tap-highlight-color: transparent;outline: 0px;color: rgb(136, 136, 136);font-size: 15px;letter-spacing: 0.544px;widows: 1;font-family:-apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"></span>
</p>
<section data-role="outer" label="Powered by 135editor.com" style="margin-bottom: 0px;letter-spacing: 0.578px;text-wrap: wrap;font-size: 16px;font-family:微软雅黑;" class="">
<p>
<span style="color: rgb(136, 136, 136);font-size: 14px;letter-spacing: 0.544px;">来源：北京日报、央视财经、新闻晨报</span><br/>
</p>
</section>
<section style="margin-bottom: 0px;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);font-family:-apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<section class="">
<hr style="letter-spacing: 0.544px;"/>
<p style="letter-spacing: 0.544px;">
<span style="color: #888888;font-size: 14px;letter-spacing: 0.544px;text-align: left;"></span><span style="color: #888888;font-size: 14px;letter-spacing: 0.544px;text-align: left;">版权归原作者所有，如有侵权请联系我们</span>
</p>
<h2 style="outline: 0px;color: #222222;letter-spacing: 0.544px;visibility: visible;font-size:17px;font-family:system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;"></h2>
</section>
</section>
</section>
</section>

特别的人 发表于 2024-9-30 19:45:08

房贷利率下调

章爱华 发表于 2024-9-30 19:50:26

已读

光影发表于 2024-9-30 19:53:07

每天看新闻

页: [1]

乐清城市网's Archiver

下调时间定了！乐清人可以剩一大笔钱