真香！仙桃家庭房贷节省5200万元
<div class="wx_rich_media_content" id="jsWxContainer"><section class="mp_profile_iframe_wrp" style='letter-spacing: 0.578px;'><mp-common-profile class="js_uneditable custom_select_card mp_profile_iframe" data-pluginname="mpprofile" data-id="MzI0NTEzNzM2Mw==" data-headimg="http://mmbiz.qpic.cn/mmbiz_png/UYRMp2VSp6z4wqs08IMf6ySuShHcOb56VPNeIdCrdhrVtHAqb82SvibNCgcjuZ42dveJ6zv1OME0uM5VMibF29CQ/0?wx_fmt=png" data-nickname="仙桃日报" data-alias="xiantaoribao" data-signature="传播仙桃好声音" data-from="2" data-is_biz_ban="0"></mp-common-profile></section><section data-role="outer" label="edit by 135editor" style='letter-spacing: 0.578px;'><section data-role="paragraph"><section data-role="outer" label="edit by 135editor" style='font-size: 15px;letter-spacing: 1.5px;line-height: 1.75;font-family: 微软雅黑;'><section data-role="paragraph"><p style='text-align: center;line-height: 2em;'><span style='color: rgb(0, 112, 192);font-size: 17px;line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'><strong>@仙桃人</strong></span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(0, 112, 192);font-size: 17px;line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'><strong>你享受到了吗</strong></span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>本报记者</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>从人民银行仙桃营业管理部获悉</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>10月25日</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>仙桃辖内主要银行机构</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>已将在LPR上加点幅度</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>高于-30BP（1BP=0.01%）的</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>存量房贷加点幅度批量</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>调至-30BP</span></p><p style='text-align: center;line-height: 2em;'><span style='color: rgb(51, 51, 51);font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>平均下调0.33个百分点</span></p><p style='text-align: center;line-height: 2em;'><strong><span style='font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);color: rgb(192, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>全市房贷家庭</span></strong></p><p style='text-align: center;line-height: 2em;'><strong><span style='font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);color: rgb(192, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>每年可节省利息</span></strong></p><p style='text-align: center;line-height: 2em;'><strong><span style='font-size: 17px;text-align: justify;text-indent: 32px;caret-color: rgb(255, 0, 0);color: rgb(192, 0, 0);font-family: 微软雅黑, Microsoft YaHei;'>支出约5200万元</span></strong></p></section><section data-role="paragraph" style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: baseline;'></span><span class="wxart_image" wx-style='display:inline-block;vertical-align: baseline;'></span><span class="wxart_image" wx-style='display:inline-block;vertical-align: baseline;'></span></section></section><section data-role="paragraph"><section style='font-size: 16px;'><section style='font-size: 15px;'><section style='margin: 10px auto;'><section><section style='margin-bottom: 20px;'><section><section style='margin-bottom: 5px;'><section style='justify-content: flex-start;display: flex;flex-flow: row;align-items: flex-start;'><section style='display: inline-block;vertical-align: top;width: auto;flex: 0 1 auto;'><section style='display: contents;'><section style='width: 0px;border-top: 1px solid rgb(21, 128, 188);height: 1px;overflow: hidden;'><svg viewBox="0 0 1 1" style='float: left;line-height: 0;width: 0px;vertical-align: top;'></svg></section></section></section></section></section><section><section style='padding: 10px 15px;background-color: rgb(245, 252, 255);'><section style='text-align: justify;line-height: 1.75em;color: rgb(51, 51, 51);'><section data-role="paragraph" style='border-width: 0px;border-style: none;border-color: initial;z-index: 0;max-inline-size: 100%;'><section style='font-size: 16px;background-color: rgb(255, 255, 255);font-family: microsoft yahei;max-inline-size: 100%;'><p style='cursor: text;line-height: 2em;text-indent: 2em;max-inline-size: 100%;'><span style='cursor: text;font-size: 17px;font-family: 微软雅黑, Microsoft YaHei;max-inline-size: 100%;'>10月25日，仙桃市民张先生打开工商银行 APP，查看自己的房贷信息显示，55万元，20年期，房贷利率4.2%，系统提示调整后利率为3.9%。“调整前，每个月要还3400元左右；调整后，每个月还3300元左右，少了近100元。”张先生说，周围的朋友也有存量房贷利率下调至3.3%的。</span></p><p style='cursor: text;line-height: 2em;text-indent: 2em;max-inline-size: 100%;'><span style='cursor: text;font-size: 17px;font-family: 微软雅黑, Microsoft YaHei;max-inline-size: 100%;'>由于此次仅调整 LPR加减点，并不调整贷款“重定价日”的 LPR，因此每个家庭的房贷利率下降幅度存在差异。目前，许多家庭存量房贷的LPR执行的仍然是去年12月公布的 LPR（4.2%），根据现有约定，大多数买房人选择的重定价周期一般为每年的1月1日或者是购房贷款发放日。</span></p><p style='cursor: text;line-height: 2em;text-indent: 2em;max-inline-size: 100%;'><span style='cursor: text;font-size: 17px;font-family: 微软雅黑, Microsoft YaHei;max-inline-size: 100%;'>按照最新五年期以上LPR利率3.6%计算，对于许多存量房贷家庭来说，到明年1月1日以后，存量房贷利率将普遍下调至3.3%。</span></p><p style='cursor: text;line-height: 2em;text-indent: 2em;max-inline-size: 100%;'><span style='cursor: text;font-size: 17px;font-family: 微软雅黑, Microsoft YaHei;max-inline-size: 100%;'>此次批量调整完成后，按照人民银行最新规定，自2024年11月1日起，满足条件的借款人还可以按一定规则，向银行申请调整重定价周期，选择按3个月、6个月或12个月重定价。</span></p></section><p style='cursor: text;max-inline-size: 100%;'><br></p></section></section></section></section></section></section></section></section></section></section><p style='text-align: center;'>新闻多看点</p><p style='text-align: center;'>☟☟☟</p><section data-tools="135编辑器" data-id="147145"><section style='margin: 10px auto;display: flex;justify-content: center;'><section><section style='border-width: 1px;border-style: solid;border-color: rgb(255, 214, 72);height: 20px;'><br></section><section style='margin-top: -16px;margin-right: 6px;margin-left: 6px;padding: 6px 15px;background-color: rgb(35, 78, 173);'><section style='font-size: 16px;color: rgb(255, 255, 255);text-align: center;'><p style='line-height: 1.75em;'><strong><span style='font-size: 18px;'>存量房贷利率已调整<br></span></strong></p><p style='line-height: 1.75em;'><strong><span style='font-size: 18px;'>手把手教你查</span></strong></p></section></section><section data-width="70%" style='margin-top: -5px;max-width: 70%;width: 146.438px;height: 12px;background-position: initial;background-size: initial;background-repeat: initial;background-attachment: initial;background-origin: initial;background-clip: initial;'><br></section></section></section></section><section style='margin-bottom: 24px;line-height: 1.75em;'><p style='text-indent: 2em;line-height: 2em;'><span style='letter-spacing: normal;line-height: 1.71em;'><span style='color: rgb(51, 51, 51);caret-color: rgb(255, 0, 0);'>据了解，多数银行大部分存量房贷利率已于10月25日自动完成调整，且绝大多数借款人不需要提交额外申请或办理相关手续。</span><strong style='cursor: text;color: rgb(51, 51, 51);caret-color: rgb(255, 0, 0);max-inline-size: 100%;'>各个银行都在哪里可以查询调整结果？</strong></span></p></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: baseline;-webkit-tap-highlight-color: transparent;object-fit: fill;display: block;font-family: var(--base-font-family);width: 564px !important;visibility: visible !important;'></span><span style='letter-spacing: 0.034em;font-size: 16px;color: rgb(136, 136, 136);'>△工商银行App首页设置了“利率调整”入口，点击查询。</span></p><p><br></p><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: baseline;-webkit-tap-highlight-color: transparent;object-fit: fill;display: block;font-family: var(--base-font-family);width: 564px !important;visibility: visible !important;'></span><span style='letter-spacing: 0.034em;font-size: 16px;color: rgb(136, 136, 136);'>△中国农业银行App首页即可看到相关区域。</span></p><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: baseline;-webkit-tap-highlight-color: transparent;object-fit: fill;display: block;font-family: var(--base-font-family);width: 564px !important;visibility: visible !important;'></span><span style='letter-spacing: normal;color: rgb(136, 136, 136);line-height: 1.59em;'>△邮储银行“贷款”页面中已有“存量房贷利率”相关区域。</span></p><p style='text-align: center;'><br></p></section><section style='margin-top: 5px;margin-bottom: 5px;line-height: 0;'><section style='vertical-align: middle;display: inline-block;line-height: 0;'><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;width: 578px;visibility: visible !important;'></span></p></section></section><section style='margin-bottom: 10px;display: flex;flex-flow: row;justify-content: center;text-align: center;'><section style='display: inline-block;vertical-align: middle;width: auto;flex: 0 0 0%;align-self: center;height: auto;line-height: 0;'><section style='transform-style: flat;transform: perspective(0px);'><section style='transform: rotateY(180deg);height: 0px;'><br></section></section></section><section style='display: inline-block;vertical-align: middle;width: auto;flex: 0 0 auto;align-self: center;min-width: 10%;height: auto;border-width: 0px;'><section><section style='padding-right: 8px; padding-left: 8px; letter-spacing: 0px; line-height: 1.8; color: rgb(62, 62, 62);'><p><span style='font-size: 17px;color: rgb(136, 136, 136);line-height: 1.59em;'>△中国建设银行App首页中已有“利率调整”相关区域。</span></p></section></section></section><section style='display: inline-block;vertical-align: middle;width: auto;flex: 0 0 0%;height: auto;line-height: 0;align-self: center;'><section style='height: 0px;'><br></section></section></section><p><br></p></section><section data-role="paragraph"><section style='color: rgb(51, 51, 51);'><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>另外</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>根据工商银行、农业银行、</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>中国银行、建设银行、交通银行、</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>邮储银行六大商业银行</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>10月31日发布的公告</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>将从今日（11月1日）起</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>陆续对商业性个人住房贷款利率</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>实行新的定价机制</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 17px;letter-spacing: normal;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);'></span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>这也意味着中国人民银行一个月前</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>发布的完善商业性</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>个人住房贷款利率定价机制要求</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>即将正式落地</span></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><br></p><p style='text-align: center;font-size: 16px;line-height: 2em;text-indent: 0em;font-family: microsoft yahei;'><span style='letter-spacing: normal;line-height: 1.71em;font-size: 17px;text-align: justify;text-indent: 34px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>你每个月房贷</span></p><p style='text-align: center;line-height: 2em;text-indent: 0em;'>少交多少钱</p><p style='text-align: center;line-height: 2em;text-indent: 0em;'>欢迎留言分享</p><p style='text-align: center;line-height: 2em;text-indent: 0em;'><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;letter-spacing: 0.578px;display: inline-block;width: 20px;background-size: cover;'></span><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;letter-spacing: 0.578px;display: inline-block;width: 20px;background-size: cover;'></span><span class="wxart_image" wx-style='display:inline-block;vertical-align: middle;letter-spacing: 0.578px;display: inline-block;width: 20px;background-size: cover;'></span></p></section></section></section><p style='-webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: 0px; font-size: 16px; letter-spacing: 0.544px; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; caret-color: rgb(34, 34, 34); text-size-adjust: inherit;'><span style='-webkit-tap-highlight-color: transparent; outline: 0px; color: rgb(178, 178, 178); font-family: 微软雅黑, "Microsoft YaHei"; font-size: 12px; letter-spacing: 0.5px;'><br></span></p><p style='-webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: 0px; font-size: 16px; letter-spacing: 0.544px; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; caret-color: rgb(34, 34, 34); text-size-adjust: inherit;'><span style='-webkit-tap-highlight-color: transparent; outline: 0px; color: rgb(178, 178, 178); font-family: 微软雅黑, "Microsoft YaHei"; font-size: 12px; letter-spacing: 0.5px;'><br></span></p><p style='-webkit-tap-highlight-color: rgba(0, 0, 0, 0); outline: 0px; font-size: 16px; letter-spacing: 0.544px; color: rgb(34, 34, 34); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; caret-color: rgb(34, 34, 34); text-size-adjust: inherit;'><span style='-webkit-tap-highlight-color: transparent; outline: 0px; color: rgb(178, 178, 178); font-family: 微软雅黑, "Microsoft YaHei"; font-size: 12px; letter-spacing: 0.5px;'>来源/仙桃日报</span></p><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p></div><p></p> 点赞
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