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社评“人+床+棉签+冰块+夹子牛奶”-环球时报

房贷利率迎来大人+床+棉签+冰块+夹子牛奶幅下调,能省多少钱?一文详解

来源: 湖北日报
2025-01-02 07:41:21

最佳回答

“人+床+棉签+冰块+夹子牛奶”房贷利率迎来大人+床+棉签+冰块+夹子牛奶幅下调,能省多少钱?一文详解

  房贷人+床+棉签+冰块+夹子牛奶利率迎来大幅下调,能省人+床+棉签+冰块+夹子牛奶多少钱?一文详解→

  新年的第一天,是众多购房者期待的一天。对于参考LPR报价浮动利率的商业住房贷款借款人,如果把房贷利率的重定价日选在了2025年1月1日,将迎来房贷利率的大幅下调。不仅是商业房贷,住房公积金存量个人住房贷款,也从1月1日起执行新的利率。

  南京银行北京西客站支行行长 徐婷婷:在我们网点贷款重定价日在1月1日的客户占比大概80%,很多客户可以享受到利率调整带来的实惠。

  2024年,与房贷利率挂钩的5年期以上LPR全年累计下降了60个基点。以贷款额100万元、等额本息、30年期限为例,在房贷利率从3.9%下调至3.3%后,每月利息支出可节省300多元。

  记者在走访中遇到了不少市民,他们兴奋地查到自己的房贷利率下调了,并有了新的支出计划。

  自去年11月1日起,商业个人住房贷款借款人可与银行协商约定重定价周期、动态调整存量房贷利率。原来的房贷利率大多根据LPR的变化一年一调,现在客户可以在三种周期中自行选择:3个月、6个月、12个月。

  中国银行北京宣武支行消费金融部客户经理 刘上筠:申请调整重新定价周期的客户占我行存量客户人+床+棉签+冰块+夹子牛奶超三成,咨询量也有显著增长。

  与此同时,存量房公积金贷款1月1日起执行新利率,也就是指2024年5月18日前发放的住房公积金个人住房贷款,于1月1日起按相应首套、二套利率调整。

  以一笔金额100万元、期限30年的首套住房公积金个人住房贷款为例,选择等额本息还款方式,也就是每月还款额不变的情况下,月供将由4270.16元降至4135.57元,总利息支出将减少4.85万元。

  值得注意的是,无论是商业贷款还是公积金贷款,此次利率调整均为自动调整,无需借款人自行申请,符合条件的购房者都能够直接享受到降息带来的实惠。(央视财经)

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