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羊年探市:央行降息 您节省了多少房贷利息呢?

房天下  2015-03-03 08:36

[摘要] 2015年新年伊始，一波大利好政策来袭！春节前降准，春节后降息。央行在短时间内频频“放水”，对于房地产来说，是一个重磅利好消息。

房天下讯 2015年新年伊始，一波大利好政策来袭！春节前降准，春节后降息。央行在短时间内频频“放水”，对于房地产来说，是一个重磅利好消息。

自央行宣布，2015年2月5日起下调金融机构人民币存款准备金率0.5个百分点后，2月28日央行宣布降息，自2015年3月1日起存贷款基准利率下降0.25个百分点，其中一年期贷款利率下降至5.35%；一年期存款基准利率下调至2.5%，将金融机构存款利率浮动区间的上限由存款基准利率的1.2倍调整为1.3倍，其他各档次存贷款基准利率及个人住房公积金存贷款利率相应调整。这是央行今年首次降息，距离上次降息仅3个月。

RDER-COLLAPSE: collapse" border="0" cellspacing="0" cellpadding="0" width="432">
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: #ff9900;WIDTH: 324pt;HEIGHT: 21pt;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl75" height="28" width="432" colspan="3">2015年金融机构人民币存款基准利率调整表(单位：%)
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;HEIGHT: 42pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl76" height="56" rowspan="2">项目RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: black 0.5pt solid" class="xl77" colspan="2">利率
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;HEIGHT: 21pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl80" height="28">降息前RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl80">降息后
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" height="24" width="172">活期存款RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">0.35RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">0.35
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" height="24" width="172">整存整取定期存款RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" width="123">RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" width="137">
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="24" width="172">三个月RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">2.35RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">2.1
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="172">半年RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">2.55RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">2.3
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="172">一年RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">2.75RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">2.5
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="24" width="172">二年RDER-BOTTOM: #f0f0f0;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl69" width="123">3.35RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">3.1
RDER-BOTTOM: #f0f0f0;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: #f0f0f0" class="xl70" height="23" width="172">三年RDER-BOTTOM: #f0f0f0;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl71" width="123">4RDER-BOTTOM: #f0f0f0;BORDER-LEFT: #f0f0f0;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl72" width="137">3.75
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl74" height="24" width="172">个人住房公积金存款RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl81">RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl81">
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl73" height="24" width="172">当年缴存RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl73" width="123">0.35RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl73" width="137">0.35
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl73" height="23" width="172">上年结转RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl73" width="123">2.35RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl73" width="137">2.1
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: #ff9900;HEIGHT: 18pt;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl75" height="24" colspan="3">2015年金融机构人民币贷款基准利率调整表(单位：%)
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;HEIGHT: 36pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl76" height="48" rowspan="2">项目RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: black 0.5pt solid" class="xl77" colspan="2">利率
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;HEIGHT: 18pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl80" height="24">降息前RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl80">降息后
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl74" height="24" width="172">商业贷款RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl74" width="123">RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl74" width="137">
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: #f0f0f0;BORDER-RIGHT: black 0.5pt solid" class="xl68" height="23" width="172">六个月RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: #f0f0f0;BORDER-RIGHT: black 0.5pt solid" class="xl68" width="123">5.6RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: #f0f0f0;BORDER-RIGHT: black 0.5pt solid" class="xl68" width="137">5.35
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="172">一年RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">5.6RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">5.35
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="172">一至五年RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">6RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">5.75
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="172">五年以上RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">6.15RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">5.9
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" height="24" width="172">个人住房公积金贷款RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" width="123">RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" width="137">
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="172">五年以下（含五年）RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">3.75RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">3.5
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 129pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="172">五年以上RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 92pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="123">4.25RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 103pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="137">4

这是央行去年11月22日降息以来半年内第二次降息。上次降息市场激情满满，本次降息则是早在各方预想中，只是没想到会比预想中来得早这么多，在年后周就降息，这就像是央行在春节后补发的。

值得一提的是，与上次降息是1年期贷款基准利率降0.4个百分点、存款基准利率降0.25个百分点不同，此次为对称降息。

除了活期存款的基准利率未动，其他各档次存贷款基准利率都在原来的基础上下调了0.25个百分点。其中，一年期存款基准利率由2.75%下调至2.5%，一年期贷款基准利率由5.6%下调至5.35%，5年以上贷款基准利率由原来的6.15%下调至5.9%。

标签：央行降息节省房贷
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