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“国模叶桐”-梳理天下新闻

青海降低存国模叶桐量房贷利率 统一首套、二套房贷最低首付比例为15%

来源: 房天下
2024-11-01 05:40:10

最佳回答

“国模叶桐”青海降低存国模叶桐量房贷利率 统一首套、二套房贷最低首付比例为15%

  中新国模叶桐网西宁10月31日电 (李国模叶桐隽)31日,记者从中国人民银行青海省分行获悉,该行以下调存款准备金率和政策利率,统一首套、二套房贷最低首付比例,降低存量房贷利率等多举措落实支持性货币政策,为经济稳定增长和高质量发展创造良好货币金融环境。

图为中国人民银行青海省分行2024年三季度新闻发布会现场。李隽 摄

  据悉,9月24日,中国人民银行在国新办发布金融增量政策后,人民银行青海省分行下调存款准备金率和政策利率。下调金融机构存款准备金率0.5个百分点。央行常备借贷便利各期限利率下调0.2个百分点。最新公布的LPR较9月下调0.25个百分点,1年期LPR为3.1%,5年期以上LPR为3.6%。

  中国人民银行青海省分行联合国家金融监督管理总局青海监管局,结合政府调控要求和省内房地产实际形势,第一时间完成青海省个人住房贷款最低首付比例的调整优化工作,更好支持居民刚性和多样化改善性住房需求。

  自10月1日起,对于省内贷款购买住房的居民家庭,商业性个人住房贷款不再区分首套、二套住房,最低首付比例统一为不低于15%。各银行业金融机构在此政策基础上,可结合客户自身收入情况、风险状况等因素,合理确定每笔贷款的具体首付比例。

  人民银行青海省分行和青海省市场利率定价自律机制组织辖内各商业银行有序开展批量调整存量房贷利率工作,各全国性商业银行及省内各地方法人银行均已发布批量调整存量房贷利率细则,对调整范围、调整方式等进行了详细规定,并明确于10月31日前有序有效完成批量调整工作。

  经初步测算,本次批量调整涉及存量607亿元个人住房贷款及18万户居民,预计每年将减少购房人利息支出约4.9亿元,平均到每户每年节约房贷利息支出约2700元。(完)

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