＠长寿人，今起，自动下调！快看你能省多少钱！_长寿城事_长寿圈

长寿那些事 发表于 2023-9-25 16:39:31

＠长寿人，今起，自动下调！快看你能省多少钱！

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<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63); visibility: visible;font-family: Helvetica, Arial, sans-serif;">根据中国人民银行

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<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63); visibility: visible;font-family: Helvetica, Arial, sans-serif;">国家金融监督管理总局发布的通知

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em; visibility: visible;" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; visibility: visible;font-family: Helvetica, Arial, sans-serif;">9月25日（今天）起

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em; visibility: visible;" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; visibility: visible;font-family: Helvetica, Arial, sans-serif;">银行将开始下调存量

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em; visibility: visible;" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(49, 133, 155); background-color: rgb(219, 238, 243); visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; visibility: visible;font-family: Helvetica, Arial, sans-serif;"> 首套住房商业性个人住房贷款利率水平 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em; visibility: visible;" align="center">
 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em; visibility: visible;" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63); text-decoration: underline rgb(49, 133, 155); visibility: visible;font-family: Helvetica, Arial, sans-serif;">“我的房贷到底能否下调？”

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em; visibility: visible;" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63); text-decoration: underline rgb(49, 133, 155); visibility: visible;font-family: Helvetica, Arial, sans-serif;">“下调多少？能省多少钱？”

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em; visibility: visible;" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63); text-decoration: underline rgb(49, 133, 155); visibility: visible;font-family: Helvetica, Arial, sans-serif;">“首套房贷利率需不要申请？”

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<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63); visibility: visible;font-family: Helvetica, Arial, sans-serif;">……


 

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<p style="margin: 0px; padding: 1px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; font-size: 16px; color: rgb(255, 255, 255); background-color: rgb(49, 133, 155); visibility: visible;" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 17px; visibility: visible;font-family: Helvetica, Arial, sans-serif;">首套房贷利率不需要申请 银行自动调整

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<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em; visibility: visible;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63); visibility: visible;font-family: Helvetica, Arial, sans-serif;">此次调整范围为首套住房贷款、二套转首套，以及公积金组合贷中的商业性个人住房贷款。


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">目前多家银行已经出台实施细则，对常见问题进行释疑。总体来看，调整分为两类情形：首套房和二套转首套。

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
 

<blockquote style="margin: 1em 0px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(49, 133, 155); color: var(--weui-FG-1); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-top-color: rgb(49, 133, 155); border-right-color: rgb(49, 133, 155); border-bottom-color: rgb(49, 133, 155);">
<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">对于首套房贷利率调整，客户将不需要任何操作，银行将主动批量调整。 

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<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">



 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">经了解，目前多家银行在手机银行上线了“存量房贷利率调整”服务，同时也为客户提供配套查询服务，简化办理流程。


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(49, 133, 155); line-height: 1.93em;font-family: Helvetica, Arial, sans-serif;">◆<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">比如在工商银行手机银行首页就能看到“利率调整”模块，点击进去，可以看到个人住房贷款，里面显示这笔贷款是不是符合条件的首套贷款。


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">如果是符合条件的首套贷款，也不需要个人去向银行申请下调利率，银行会在9月25日主动批量调整，并把结果通过短信方式通知本人，新的利率水平在当天就会生效。 


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">



 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(49, 133, 155); line-height: 1.93em;font-family: Helvetica, Arial, sans-serif;">◆<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">除工商银行外，农业银行自9月15日起在掌上银行、贷款经办行、营业网点、“中国农业银行微银行”等渠道开通存量首套住房贷款利率调整有关情况查询服务。


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(49, 133, 155); line-height: 1.93em;font-family: Helvetica, Arial, sans-serif;">◆<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">中国银行手机银行已上线“存量房贷利率调整”功能，可以查询个人住房贷款的贷款金额、本金余额、当前执行利率、利率计算方式、发放时是否首套房贷等信息。


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(49, 133, 155); line-height: 1.93em;font-family: Helvetica, Arial, sans-serif;">◆<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">中小银行也在陆续参照国有银行制定并发布实施细则。 


 


 

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<section style="margin: 10px auto; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; display: flex; justify-content: center;">
<p style="margin: 0px; padding: 1px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; font-size: 16px; color: rgb(255, 255, 255); background-color: rgb(49, 133, 155);" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 17px;font-family: Helvetica, Arial, sans-serif;">“二套转首套”房贷利率调整 于9月25日起受理申请

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<blockquote style="margin: 1em 0px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(49, 133, 155); color: var(--weui-FG-1); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; border-top-color: rgb(49, 133, 155); border-right-color: rgb(49, 133, 155); border-bottom-color: rgb(49, 133, 155);">
<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">通过多家银行发布的细则来看，对于“二套转首套”的情况，需要借款人主动向银行提出申请。

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<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">



 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">对于贷款时为非首套房但现在已符合所在城市首套政策的购房家庭，也就是“二套转首套”的房贷利率申请，多家银行表示，由于“因城施策”原因，各城市二套房认定的情形复杂多样，无法通过银行系统直接识别，所以需要借款人向银行提供首套房贷款相关证明资料。<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">借款人可以从9月25日起向银行提出申请并提供证明材料。 


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">收到申请后，银行将对调整申请逐笔进行人工审核，并于10月25日对审核通过的业务进行统一批量调整。 


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">



 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">如果错过了10月25日之前的集中申请期，之后还能申请吗？

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">对此，多家国有大行表示，集中申请期后，借款人仍可以继续提交利率调整申请。 


 

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<p style="margin: 0px; padding: 1px 15px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; font-size: 16px; color: rgb(255, 255, 255); background-color: rgb(49, 133, 155);" align="center">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 17px;font-family: Helvetica, Arial, sans-serif;">全国平均调整幅度 约80个基点

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<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">对于大家最关心的调整幅度，记者了解到，<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">目前来看，各家银行调整规则基本一致。


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: justify; line-height: 1.75em;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px; color: rgb(63, 63, 63);font-family: Helvetica, Arial, sans-serif;">存量房贷的调整幅度主要根据原贷款发放时间、发放时所在城市首套房贷利率政策下限、发放时全国首套房贷利率政策下限而决定。全国范围调整的平均幅度大约为80个基点。

</section>
<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px; letter-spacing: 0.544px; text-align: right; color: rgb(34, 34, 34); line-height: 1.5em;font-family: system-ui, -apple-system, Arial, sans-serif;" align="right">
 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px;text-align: justify; line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;font-family: Helvetica, Arial, sans-serif;">案例：

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px;text-align: justify; line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px;font-family: Helvetica, Arial, sans-serif;">二套房贷转首套

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px; letter-spacing: 0.544px;text-align: justify; line-height: 1.75em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" align="justify">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 15px;font-family: Helvetica, Arial, sans-serif;">300万元房贷月供可省上千元

<blockquote style="margin: 1em 0px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(49, 133, 155); color: var(--weui-FG-1); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px;text-align: justify; background-color: rgb(255, 255, 255); border-top-color: rgb(49, 133, 155); border-right-color: rgb(49, 133, 155); border-bottom-color: rgb(49, 133, 155);font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<h1 data-v-1b5f45be="" data-v-c5fee3b8="" style="margin: 0px; padding: 0px; outline: 0px;font-size: 17px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">

<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 14px; color: rgb(89, 89, 89);font-family: Helvetica, Arial, sans-serif;">2020年，在广州市海珠区已有一套房且有房贷的陈先生，在天河区又买了一套住房。当时向银行申请了300万元的20年商业房贷，按二套房贷算，利率是LPR+80BP。由于去年12月20日五年期以上LPR降至4.3%，今年1月1日重定价日开始，其房贷利率降至5.1%。


 


<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 14px; color: rgb(89, 89, 89);font-family: Helvetica, Arial, sans-serif;">去年陈先生已将海珠区第一套房子出售，现在名下只有一套房，按最新的“认房不认贷”政策，陈先生天河区的房子符合此次存量房贷利率调整的要求。如此一来，房贷利率下调幅度达到80BP，从5.1%降至4.3%，按等额本息还款，调降后陈先生可节省月供约1300元，总利息节省约30万元。


 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; text-align: center; line-height: 1.75em;" align="center">



 


<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 14px; color: rgb(89, 89, 89);font-family: Helvetica, Arial, sans-serif;">根据监管政策，此次可以申请调整利率的存量房贷类型包括两类：


 


<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 14px; color: rgb(89, 89, 89);font-family: Helvetica, Arial, sans-serif;">一是原贷款发放时满足所在城市首套住房标准的房贷；二是借款人当前实际住房情况已经符合所在城市首套住房标准的其他存量住房商业性个人住房贷款。


 


<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; font-size: 14px; color: rgb(89, 89, 89);font-family: Helvetica, Arial, sans-serif;">第二种情况让本来拥有多套房屋，但后期通过交易等方式出售了其他成套住房，现在名下只有一套房，只要符合当地的“认房不认贷”政策，也可以申请调整。

</h1>
</blockquote>
<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px; letter-spacing: 0.544px; text-align: right; color: rgb(34, 34, 34); line-height: 1.5em;font-family: system-ui, -apple-system, Arial, sans-serif;"align="right">
 

<p style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; letter-spacing: 0.544px; text-align: left; visibility: visible; color: rgb(0, 0, 0); font-size: 16px; caret-color: rgb(51, 51, 51); line-height: 1.6em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;" align="left">
 

<section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); text-align: left; visibility: visible; color: rgb(0, 0, 0); font-size: 16px; caret-color: rgb(51, 51, 51); line-height: 1.6em;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;">
<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; visibility: visible;">来   源：央视财经、广州黄埔发布
</section>

瞄准目标 发表于 2023-9-25 17:22:14

我会差那点利息吗……

紫气东来007 发表于 2023-9-25 17:41:56

已阅！路过

可乐.. 发表于 2023-9-25 18:00:31

好！！感谢政府为我们百姓着想！落到实处

杨结发表于 2023-9-25 20:05:11

什么时候调油价

无悔人生29 发表于 2023-9-25 20:33:18

{:4_197:}{:4_197:}{:4_197:}

寥寥十一画 发表于 2023-9-25 21:10:40

没得房贷{:4_196:}

陈敬超 发表于 2023-9-25 21:17:14

知道了，还没去查。

白条哥 发表于 2023-9-25 21:25:08

感觉关糸不是很大

刘小兵 发表于 2023-9-25 21:54:27

看不懂，80个基点为多少？没文化的人？

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