[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-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">0.35 | RDER-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">2.35 | RDER-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">2.55 | RDER-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">2.75 | RDER-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">3.35 | RDER-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">4 | RDER-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">0.35 | RDER-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">2.35 | RDER-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">5.6 | RDER-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">5.6 | RDER-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">6 | RDER-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">6.15 | RDER-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">3.75 | RDER-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">4.25 | RDER-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%。
此次降息对储户来说,意味着短期存款利息的略微损失,但是对“房奴”来说,确是大大的利好,意味着贷款压力可以减轻。
交通银行工作人员告诉记者,央行降息后的天就有很多市民前来咨询新利率。遇到前来咨询的陈先生表示,现在银行调整存贷款利率的权限变大了,想了解一下哪一家的利率更加划算。他自己打算近期入手买一套房,来对比一下几家银行商业贷款和公积金贷款分别能省多少?
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: #ff9900;WIDTH: 346pt;HEIGHT: 21pt;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl70" height="28" width="462" 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: 42pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl71" 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="xl72" 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="xl75" 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="xl75">降息后 | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 18pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="24" width="220">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="xl69" width="123"> | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 89pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" width="119"> |
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 18pt;BORDER-: #f0f0f0;BORDER-RIGHT: black 0.5pt solid" class="xl68" height="24" width="220">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">5.6 | RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 89pt;BORDER-: #f0f0f0;BORDER-RIGHT: black 0.5pt solid" class="xl68" width="119">5.35 |
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="24" width="220">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">5.6 | RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 89pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="119">5.35 |
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="220">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">6 | RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 89pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="119">5.75 |
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="220">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">6.15 | RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 89pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="119">5.9 |
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" height="24" width="220">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: 89pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl65" width="119"> |
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 17.25pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="23" width="220">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">3.75 | RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 89pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="119">3.5 |
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;BACKGROUND-COLOR: white;WIDTH: 165pt;HEIGHT: 18pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" height="24" width="220">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">4.25 | RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;BACKGROUND-COLOR: white;WIDTH: 89pt;BORDER-: black;BORDER-RIGHT: black 0.5pt solid" class="xl66" width="119">4 |
那么降息后商业贷款和公积金贷款分别能省多少月供呢?我们来算了一笔账。
以一笔50万元20年期的首套房贷为例,以等额本息方式还款,此次降息以前,5年期以上贷款基准利率6.15%,月供3625.56元。若整个贷款期限内利率不变,利息总额370133.81元。
此次降息以后,上述贷款成本减轻。5年期贷款基准利率降至5.90%以后,月供变为3553.37元。若整个贷款期限内利率不变,利息总额352808.79元。也就是说,利息节约17325.02元,月供减少72.19元。
与贷款利率同时下降的还有住房公积金贷款利率,5年期以上由原先的4.25%降至4%,按夫妻双方高60万元公积金贷款20年计算的话,月供将从之前的3715元降至3636元,每月少还近80元。
通过上面的数据,可以得出,商业贷款和公积金贷款均能节省一些房贷利息,“房奴” 们也能减轻贷款压力。
那么哪家银行贷款才更加划算呢?记者根据走访发现,若是首次置业并选择公积金贷款,可以选择建设银行、中国银行、工商银行和渣打银行,并且放款时间也比较快,1-2个月放款。
而改需客群选择农业银行、光大银行、交通银行,这些银行正在实行“认贷不认房”政策。如若要贷款100万以上,可选择汇丰银行,改银行贷款100万以上8.8折,贷款50万以上9.6折;二手房房龄10年内,放款速度快,在1个月左右放款。
降息降准对于中国房地产是短期“利好”机会,对于购房者来说,简单来讲,购房者应该把握好市场节奏的变化规律,赶在短期市场还没有完全复苏好转的阶段入市购房,也趁当下开发商资金面仍然相对紧张的阶段,选择购房性价比仍然较高的时机入市购房,把控好降准降息等“救市”政策短期红利带来的购房“窗口期”,该下手时就下手。
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