8月25日起，房贷将有大变化！仙桃还要还房贷的注意
<div class="wx_rich_media_content" id="jsWxContainer"><p><br></p><p style='text-align: center;'><span style='color: rgb(0, 128, 255);'><strong>你的房贷利率定价方式转换了吗？</strong></span></p><p><br></p><section>今年3月1日，备受瞩目的存量个人住房贷款定价基准转换工作正式拉开帷幕。对于有房贷的人来说，可以选择固定利率，也可以选择LPR，LPR会随着市场的利率波动而变化。</section><section><br style='max-width: 100%; box-sizing: border-box !important;'></section><section>按央行规定，存量浮动利率贷款原则上要在8月31日之前完成利率定价方式转换，定价基准只能转换一次。</section><section><br></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><p style='text-align: center;'><br></p><section style='box-sizing: border-box;font-size: 16px;'><section style='margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;' powered-by="xiumi.us"><section style='display: inline-block;width: 100%;border-width: 0px 0px 0px 10px;border-style: solid;border-left-color: rgb(75, 145, 224);border-right-color: rgb(75, 145, 224);padding: 10px;border-radius: 5px 0px 0px 5px;box-shadow: rgb(153, 153, 153) 0px 3.2px 3px;background-color: rgb(239, 239, 239);box-sizing: border-box;'><section style='font-size: 17px; color: rgb(24, 23, 22); box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'>8月12日，中国工商银行、中国建设银行、中国农业银行、中国银行、中国邮政储蓄银行等五家国有大行均发布公告称，<span style='box-sizing: border-box;color: rgb(0, 128, 255);'><strong style='box-sizing: border-box;'>将于8月25日起，对符合转换条件但尚未办理转换的存量浮动利率个人住房贷款定价基准批量转换为LPR。</strong></span></p></section></section></section></section><section><br></section><section>也就是说，2020年1月1日前已发放或已签订合同未发放，且截至2020年8月24日（含），尚未办理定价基准转换的存量浮动利率个人住房贷款（含个人商用房贷款，不含公积金贷款和公积金贴息贷款），<span style='color: rgb(0, 128, 255);'><strong>五大行将统一自2020年8月25日起批量转换，无需自己进行任何操作了。</strong></span></section><section><span style='color: rgb(0, 128, 255);'><strong><br></strong></span></section><p mpa-paragraph-type="body"><strong>五家国有大行此次批量转换的规则基本一致，主要包括：</strong></p><p mpa-paragraph-type="body"><strong><br></strong></p><section style='box-sizing: border-box;font-size: 16px;'><section style='display: inline-block;width: 100%;border-width: 0px 0px 0px 6px;border-style: solid;border-left-color: rgb(75, 145, 224);border-right-color: rgb(75, 145, 224);padding: 10px;box-shadow: rgb(0, 0, 0) 0px 0px 0px;box-sizing: border-box;' powered-by="xiumi.us"><section style='box-sizing: border-box;' powered-by="xiumi.us"><p style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>转换时点等价转换，加点数值（可为负值）为原合同最近的执行利率水平与2019年12月发布的相应期限的LPR的差值。<br style='box-sizing: border-box;'></span></p><p style='box-sizing: border-box;'><br></p><p style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>加点数值在合同剩余期限内固定不变。<br style='box-sizing: border-box;'></span></p><p style='box-sizing: border-box;'><br></p><p style='box-sizing: border-box;'><span style='font-size: 17px;box-sizing: border-box;'>利率调整周期、利率调整日与原合同保持不变；</span><span style='font-size: 17px;box-sizing: border-box;'>从转换时点至第一个利率调整日（不含）利率水平不变；在每个利率调整日，贷款利率水平由利率调整日前一日的相应期限LPR与转换时确定的加点数值计算确定。</span></p></section></section></section><p mpa-paragraph-type="body"><br></p><p mpa-paragraph-type="body">当然，如果您不想批量转换，还想保持原合同的定价方式，<strong><span style='color: rgb(0, 128, 255);'>建议在各家银行规定的时间内，通过手机银行、网上银行或者原贷款经办行等途径进行登记。</span></strong>此前，交通银行已经于7月20日发布类似公告。</p><p mpa-paragraph-type="body"><br style='max-width: 100%; box-sizing: border-box !important;'></p><p mpa-paragraph-type="body">五大行公告全文如下：</p><section style='max-width: 100%; box-sizing: border-box; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section style='margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; text-align: center; justify-content: center;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: auto; vertical-align: top; min-width: 10%; height: auto;'><section style='padding-right: 5px; padding-left: 5px; max-width: 100%; box-sizing: border-box; display: inline-block; width: 98px; vertical-align: top;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: 88px; vertical-align: top; background-color: rgba(149, 114, 239, 0.12);'><section style='margin-top: 5px; margin-bottom: 8px; max-width: 100%; box-sizing: border-box;'><section style='padding-right: 6px; padding-left: 6px; max-width: 100%; box-sizing: border-box; text-align: justify; color: rgb(115, 66, 215); font-size: 18px; letter-spacing: 1px; line-height: 1;'><p style='max-width: 100%; box-sizing: border-box; min-height: 1em;'><span style='color: rgb(0, 128, 255);'><strong style='max-width: 100%; box-sizing: border-box;'>中国银行</strong></span></p></section></section></section></section><section style='margin-top: -5px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box;'><section style='max-width: 100%; box-sizing: border-box; background-color: rgb(149, 114, 239); height: 1px; line-height: 0;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 18px; box-sizing: border-box !important;'></span><br style='max-width: 100%; box-sizing: border-box !important;'></section><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><span class="wxart_image" wx-style='display:inline-block;width: 677px;box-sizing: border-box !important;word-wrap: break-word !important;visibility: visible !important;'></span><br style='max-width: 100%; box-sizing: border-box !important;'></p><section style='max-width: 100%; box-sizing: border-box; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section style='margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; text-align: center; justify-content: center;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: auto; vertical-align: top; min-width: 10%; height: auto;'><section style='padding-right: 5px; padding-left: 5px; max-width: 100%; box-sizing: border-box; display: inline-block; width: 136px; vertical-align: top;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: 126px; vertical-align: top; background-color: rgba(149, 114, 239, 0.12);'><section style='margin-top: 5px; margin-bottom: 8px; max-width: 100%; box-sizing: border-box;'><section style='padding-right: 6px; padding-left: 6px; max-width: 100%; box-sizing: border-box; text-align: justify; color: rgb(115, 66, 215); font-size: 18px; letter-spacing: 1px; line-height: 1;'><p style='max-width: 100%; box-sizing: border-box; min-height: 1em;'><span style='color: rgb(0, 128, 255);'><strong style='max-width: 100%; box-sizing: border-box;'>中国建设银行</strong></span></p></section></section></section></section><section style='margin-top: -5px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box;'><section style='max-width: 100%; box-sizing: border-box; background-color: rgb(149, 114, 239); height: 1px; line-height: 0;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; box-sizing: border-box !important;'><br style='max-width: 100%; box-sizing: border-box !important;'></section><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><span class="wxart_image" wx-style='display:inline-block;width: 677px;box-sizing: border-box !important;word-wrap: break-word !important;visibility: visible !important;'></span><br style='max-width: 100%; box-sizing: border-box !important;'></p><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><br></p><section style='max-width: 100%; box-sizing: border-box; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section style='margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; text-align: center; justify-content: center;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: auto; vertical-align: top; min-width: 10%; height: auto;'><section style='padding-right: 5px; padding-left: 5px; max-width: 100%; box-sizing: border-box; display: inline-block; width: 174px; vertical-align: top;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: 164px; vertical-align: top; background-color: rgba(149, 114, 239, 0.12);'><section style='margin-top: 5px; margin-bottom: 8px; max-width: 100%; box-sizing: border-box;'><section style='padding-right: 6px; padding-left: 6px; max-width: 100%; box-sizing: border-box; text-align: justify; color: rgb(115, 66, 215); font-size: 18px; letter-spacing: 1px; line-height: 1;'><p style='max-width: 100%; box-sizing: border-box; min-height: 1em;'><span style='color: rgb(0, 128, 255);'><strong style='max-width: 100%; box-sizing: border-box;'>中国邮政储蓄银行</strong></span></p></section></section></section></section><section style='margin-top: -5px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box;'><section style='max-width: 100%; box-sizing: border-box; background-color: rgb(149, 114, 239); height: 1px; line-height: 0;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; box-sizing: border-box !important;'><br></section><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;'></span></p><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><br></p><section style='max-width: 100%; box-sizing: border-box; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section style='margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; text-align: center; justify-content: center;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: auto; vertical-align: top; min-width: 10%; height: auto;'><section style='padding-right: 5px; padding-left: 5px; max-width: 100%; box-sizing: border-box; display: inline-block; width: 136px; vertical-align: top;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: 126px; vertical-align: top; background-color: rgba(149, 114, 239, 0.12);'><section style='margin-top: 5px; margin-bottom: 8px; max-width: 100%; box-sizing: border-box;'><section style='padding-right: 6px; padding-left: 6px; max-width: 100%; box-sizing: border-box; text-align: justify; color: rgb(115, 66, 215); font-size: 18px; letter-spacing: 1px; line-height: 1;'><p style='max-width: 100%; box-sizing: border-box; min-height: 1em;'><span style='color: rgb(0, 128, 255);'><strong style='max-width: 100%; box-sizing: border-box;'>中国农业银行</strong></span></p></section></section></section></section><section style='margin-top: -5px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box;'><section style='max-width: 100%; box-sizing: border-box; background-color: rgb(149, 114, 239); height: 1px; line-height: 0;'><br style='max-width: 100%; box-sizing: border-box !important;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><br style='max-width: 100%; box-sizing: border-box !important;'></p><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;'></span></p><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><span style='max-width: 100%; font-size: 18px; box-sizing: border-box !important;'></span><br style='max-width: 100%; box-sizing: border-box !important;'></p><section style='max-width: 100%; box-sizing: border-box; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><section style='margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; text-align: center; justify-content: center;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: auto; vertical-align: top; min-width: 10%; height: auto;'><section style='padding-right: 5px; padding-left: 5px; max-width: 100%; box-sizing: border-box; display: inline-block; width: 136px; vertical-align: top;'><section style='max-width: 100%; box-sizing: border-box; display: inline-block; width: 126px; vertical-align: top; background-color: rgba(149, 114, 239, 0.12);'><section style='margin-top: 5px; margin-bottom: 8px; max-width: 100%; box-sizing: border-box;'><section style='padding-right: 6px; padding-left: 6px; max-width: 100%; box-sizing: border-box; text-align: justify; color: rgb(115, 66, 215); font-size: 18px; letter-spacing: 1px; line-height: 1;'><p style='max-width: 100%; box-sizing: border-box; min-height: 1em;'><span style='color: rgb(0, 128, 255);'><strong style='max-width: 100%; box-sizing: border-box;'>中国工商银行</strong></span></p></section></section></section></section><section style='margin-top: -5px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box;'><section style='max-width: 100%; box-sizing: border-box; background-color: rgb(149, 114, 239); height: 1px; line-height: 0;'><br style='max-width: 100%; box-sizing: border-box !important;'><br style='max-width: 100%; box-sizing: border-box !important;'><br style='max-width: 100%; box-sizing: border-box !important;'></section></section></section></section></section><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'></p><p style='max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; box-sizing: border-box !important;'><span class="wxart_image" wx-style='display:inline-block;box-sizing: border-box !important;word-wrap: break-word !important;width: 677px !important;visibility: visible !important;'></span></p><p><br></p><p style='max-width: 100%; box-sizing: border-box; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; font-size: 16px;'><br></p><section data-role="paragraph" data-color="#1e9be8" style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; box-sizing: border-box !important;'><section style='max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;'><section powered-by="xiumi.us" style='max-width: 100%; box-sizing: border-box !important;'><pre style='max-width: 100%; box-sizing: border-box; white-space: pre-wrap; line-height: 27.2px; letter-spacing: 0.544px; min-height: 0px; background-clip: border-box; background-position: 0% 0%; background-repeat: repeat; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(51, 51, 51); bottom: auto; float: none; height: auto; left: auto; max-height: none; min-width: 0px; text-decoration-style: solid; text-decoration-color: rgb(51, 51, 51); top: auto; z-index: auto; visibility: visible; clear: none;'><section style='max-width: 100%; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; white-space: normal; min-height: 1em; color: rgb(62, 62, 62); text-align: center; line-height: 1.75em; box-sizing: border-box !important;'><br></section></pre></section></section></section><br>来源：湖北日报</div><p></p> 买不起怎么没有仙桃农商银行的贷款
我还款日期不足五年了，随他转吧！！
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