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快看！购房成本将增加？珠海最新房贷利率情况出炉！

2019-09-04 09:07 珠海乐居新闻头条

珠海购房珠海利率

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<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">8月25日，央行发布公告，宣布自2019年10月8日起，新发放商业性个人住房贷款利率以最近一个月相应期限的贷款市场报价利率（LPR）为定价基准加点形成。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">消息一出，各房地产中介就开始发出“10月8日起利率上涨”、“银行额度紧张”、“月供上涨”等朋友圈。<p style="min-height: 1em;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;white-space: normal;text-align: center"><img src="/ueditor/jsp/upload/image/20190904/1567559043657058827.png" title="1567559043657058827.png" alt="image.png"/><p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">一时间，“央行房贷利率新政是否会导致买房利息上涨”成为公众热烈讨论的话题。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">个人房贷利率调整无疑牵动着无数购房者的神经。那么目前珠海的房贷利率情况怎么样？<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">9月3日，乐居编辑致电珠海13家银行，相关工作人员均表示暂时没有收到房贷改革通知。即使10月8日央行发布新的个人住房贷款公告，地方性政府仍旧可以根据本地实际情况调整房贷利率。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">据调查得知，目前银行首套房房贷利率普遍上浮10%-15%，较上月调查整体利率差别不大。<p style="min-height: 1em;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;white-space: normal;text-align: center"><img src="/ueditor/jsp/upload/image/20190904/1567559070943033226.png" title="1567559070943033226.png" alt="image.png"/><p style="min-height: 1em;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;white-space: normal;text-align: center">数据来源：致电各大银行所得<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">首套房：最低基准利率，最高上浮20%<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">调查发现，工商银行、建设银行、农业银行、招商银行、中信银行、光大银行、民生银行、渣打银行、平安银行、汇丰银行等10家银行首套房利率与上次的调查利率持平。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">民生银行、渣打银行最低房贷利率上浮5%。值得一提的是，目前汇丰银行最低房贷利率可做到基准。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">二套房：最低上浮10%，最高上浮20%<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">在二套房利率方面，建设银行、农业银行、招商银行、中信银行等9家银行首套房利率上浮10%，与8月基本持平。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">工商银行从8月的上浮20%下调至上浮15%。中国银行从上浮15%上调至上浮15-20%。交通银行从上浮20%下调到上浮15%。广发银行从上浮20%下调到上浮15-20%。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">据统计，二套房利率方面，最低利率为民生银行、渣打银行、汇丰银行，最低可争取仅上浮10%。工商银行、建设银行、农业银行，招商银行等银行可争取到上浮15%，光大银行可争取到上浮20%<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">交通银行额度紧张，暂停放贷<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">其余多家银行额度充足<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">据调查，各银行额度松紧不一，有银行因为额度紧张，目前已经暂停住房贷款业务，如交通银行。也有银行表示额度充足，资料齐全放款时间较快。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">据了解，光大银行在手续齐全的情况下， 2个月左右可放贷，其它银行则表示目前额度充足，资料手续齐全可在1个月左右放款。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">另外，还有多家银行提到，对于不同的合作项目和楼盘，利率浮动会有所差别，一般优质项目与合作楼盘或可享更优惠的利率，因此，需要办理购房贷款的客户，建议先跟楼盘销售人员了解具体情况。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">房贷新政后，还款总额比目前少约12万元？<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">LPR，实际上就是各大银行每月会上报一个贷款利率，然后根据加权平均计算出一个市场基准的利率数据。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">而这个月（8月20日）五年以上的LPR为4.85%。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">如果这个数据9月不变的话（其实这个利率变化也不会很大），那么新政开始后首套房贷款利率最低也就是4.85%了，二套房为5.45%。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">看回目前珠海的房贷利率，基准利率为4.9%，但多数银行都是基准上浮10%，也就是5.39%；二套房多为基准上浮15%，也就是5.63%。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">也就是说，即使银行执行的是新利率，珠海市场目前的房贷利率真实情况也比新政后的利率高。<p style="min-height: 1em;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;white-space: normal;text-align: center"><img src="/ueditor/jsp/upload/image/20190904/1567559177214052153.png" title="1567559177214052153.png" alt="image.png"/><p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">具体到贷款方面，同样贷100万元，如果10月8日后LPR仍为4.85%，对比首套房贷利率为基准上浮10%，从图表可见，约有近12万元的差距。而二手房的利率也是新政后的比较优惠，比新政前减少4万元。<p style="min-height: 1em;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;white-space: normal;text-align: center"><img src="/ueditor/jsp/upload/image/20190904/1567559191111066101.png" title="1567559191111066101.png" alt="image.png"/><p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">但，需要注意的是，政策规定是“不低于”，换言之以上计算是最优惠情况，根据珠海目前的房贷利率情况，估计新政前后变化不会太大。<p style="min-height: 1em; color: rgb(51, 51, 51); font-family: -apple-system-font, 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; text-indent: 2em;">最后，附上乐有家对LPR 解读。<img src="/ueditor/jsp/upload/image/20190904/1567559242467022062.jpg" title="1567559242467022062.jpg" alt="1.jpg" style="width: 533px; height: 2793.9px;"/>

快看！购房成本将增加？珠海最新房贷利率情况出炉！

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