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已执行！珠海房贷利率出炉！月供差别......
2019-10-12 09:36
网易房产珠海站 新闻头条
房贷利率
珠海房贷利率
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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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em;"><span style="font-size: 15px;">根据中国人民银行规定，自今年10月8日（昨日）起，房贷利率“换锚”，<strong>全国房贷利率正式“大换血”</strong>。</span></p><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/20191011/1570757249772003915.png" title="1570757249772003915.png" alt="image.png" style="width: 637px; height: 542.691px;"/></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">即房贷执行细则从原先的“基准利率×（1+浮动比例）”正式变成“</span><span style="font-size: 15px; color: rgb(171, 25, 66);">房贷利率=每月LPR利率+加点</span><span style="font-size: 15px;">”。</span><span style="font-size: 15px; color: rgb(136, 136, 136);">（公积金个人住房贷款利率政策暂不调整）</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">首套商业性个人住房贷款利率不得低于相应期限LPR报价，二套商业性个人住房贷款利率不得低于相应期限LPR报价+60个基点。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px; color: rgb(171, 25, 66);">而根据9月20日最新的LPR报价：1年期LPR为4.20%，5年期以上LPR为4.85%。（LPR每月20日报价一次）</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><strong><span style="font-size: 15px;">另外，加点数值一旦确定，整个合同期限内都固定不变。</span></strong></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="color: rgb(171, 25, 66);"><strong><span style="font-size: 15px;">珠海多家银行已经开始执行新政策</span></strong></span></p><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; text-align: left; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">据小易今日电话实踩，珠海多家银行已经开始执行新政策，以商业性个人住房贷款利率（LPR）为定价基准，并调整出目前各自的基点加数。</span></p><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; text-align: left; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">在调查中，也有部分银行支行称，暂未接到新的通知，如民生银行。</span><img src="/ueditor/jsp/upload/image/20191011/1570757286923086737.png" title="1570757286923086737.png" alt="image.png" style="letter-spacing: 0.544px; text-align: center; text-indent: 2em; width: 688px; height: 664.924px;"/></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em;"><span style="font-size: 15px;"> </span><br/></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="color: rgb(171, 25, 66);"><strong><span style="font-size: 15px;">短期内珠海房贷利率会平稳过渡</span></strong></span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">以上10余家银行中，</span><span style="font-size: 15px; color: rgb(171, 25, 66);">首套房贷多在5.15%-5.39%之间</span><span style="font-size: 15px;">，按此前基准上浮约5%-10%；而</span><span style="font-size: 15px; color: rgb(171, 25, 66);">二套房贷多在5.45%-5.65%之间</span><span style="font-size: 15px;">，按此前基准上浮约10%-15%。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">另外，无论首套房或二套房，目前房贷最高均为交行：</span><span style="font-size: 15px; color: rgb(171, 25, 66);">首套房房贷利率为5.64%（LPR+79个基点）</span><span style="font-size: 15px;">，按此前基准上浮约15%；</span><span style="font-size: 15px; color: rgb(171, 25, 66);">二套房贷利率为5.88%（LPR+103个基点）</span><span style="font-size: 15px;">，按此前基准上浮约20%。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">对比可见，</span><span style="font-size: 15px; color: rgb(171, 25, 66);">房贷利率总体与此前不相上下</span><span style="font-size: 15px;">，在电话实踩过程，多家银行的贷款经理也均表示，目前细则调整后的房贷利率与此前基本持平。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><strong><span style="font-size: 15px;">再举个例子，来看看目前珠海房贷月供差别：</span></strong></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">以汇丰银行为例，此前首套房贷利率上浮5%（5.145%），新规后为5.15%；</span><span style="font-size: 15px;">此前二套房贷利率上浮10%（5.39%），新规后为5.45%。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">假设在汇丰银行（珠海）申请200万元贷款，分30年（即360期）以等额本息方式偿还。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px; color: rgb(136, 136, 136);">首套房之前月供10914.36元，新规后月供10920.52元，每月贷款利息多了约6元。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px; color: rgb(136, 136, 136);">而二套房之前月供11218.13元，新规后月供为11293.12元，每月贷款利息多了约75元。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="color: rgb(171, 25, 66);"><strong><span style="font-size: 15px;">房贷利率可以“按年协商”</span></strong></span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">值得一提的是，虽然LPR每月20日报价一次，但根据央行在个人住房贷款新政中的政策，房贷利率可以“按年协商”，</span><span style="font-size: 15px; color: rgb(171, 25, 66);">利率重定价周期最短为1年</span></p><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/20191011/1570757337039004736.png" title="1570757337039004736.png" alt="image.png" style="width: 672px; height: 585.347px;"/></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em;"><br/></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px; color: rgb(171, 25, 66);">也就是说，成功贷款后，等额本息的月供不会一月一变，可以“按年协商”。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="font-size: 15px;">以其最短周期（一年）为例，若贷款1年后LPR从4.85%降到了4.65%，那么第二年的还贷利率，则变为4.65%+相应基点，随之月供也不一样了。</span></p><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; text-align: justify; white-space: normal; letter-spacing: 0.5px; line-height: 1.75em; text-indent: 2em;"><span style="color: rgb(171, 25, 66);"><strong><span style="font-size: 15px;">附：</span></strong><strong><span style="font-size: 15px;">央行有关负责人就个人住房贷款利率答记者问达截图</span></strong></span></p><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/20191011/1570757364786002606.png" title="1570757364786002606.png" alt="image.png"/></p>
