官方公布！@仙桃人，赶快算算房贷能省多少
<div class="wx_rich_media_content" id="jsWxContainer"><section class="mp_profile_iframe_wrp"><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="0" data-is_biz_ban="0"></mp-common-profile></section><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center;'><span style='outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 2px;'>9月1日</span></p><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; text-align: center;'><span style='outline: 0px;letter-spacing: 2px;font-size: 16px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'>中国人民银行湖北省分行发布</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; text-align: center;'><span style='outline: 0px;letter-spacing: 2px;font-size: 16px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'>湖北省内各城市</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; text-align: center;'><span style='outline: 0px;letter-spacing: 2px;font-size: 16px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'>首套房贷利率下限历史调整情况</span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; text-align: center;'><span style='outline: 0px;letter-spacing: 2px;font-size: 16px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'>其中仙桃如下图所示<br></span></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; text-align: center;'><span style='outline: 0px;letter-spacing: 2px;font-size: 16px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'>↓↓↓</span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; text-align: center;'><span style='outline: 0px;letter-spacing: 2px;font-size: 16px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'></span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 2px;'>详情如下</span></p><p style='text-align: center;'><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 2px;'>↓</span><span style='font-family: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 2px;'>↓↓</span></p><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center;'><span class="wxart_image" wx-style='display:inline-block;outline: 0px;width: 677px !important;visibility: visible !important;'></span></p><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; text-align: center; line-height: normal;'><span style='outline: 0px;font-size: 12px;letter-spacing: 1px;color: rgb(136, 136, 136);'>中国人民银行湖北省分行网站截图</span></section><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px;'><span class="wxart_image" wx-style='display:inline-block;outline: 0px;width: 677px !important;visibility: visible !important;'></span></p><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);width: 100%;height: auto;visibility: visible !important;'></span></p><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px;'><span style='outline: 0px; color: rgb(136, 136, 136);'>备注:全国首套房贷利率政策下限为：2019年10月至2022年5月为LPR，2022年5月至今为LPR-20个基点。</span></p><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.578px;'><section style='outline: 0px;line-height: 1.75em;'><section style='margin-top: 10px;margin-bottom: 10px;outline: 0px;text-align: center;justify-content: center;display: flex;flex-flow: row;'><section style='outline: 0px;display: inline-block;width: auto;vertical-align: top;border-width: 0px;flex: 100 100 0%;height: auto;align-self: flex-start;'><section powered-by="xiumi.us" style='outline: 0px;font-size: 16px;'><section style='outline: 0px;display: flex;flex-flow: row;'><section style='margin-right: 10px;margin-left: 10px;outline: 0px;display: inline-block;width: auto;vertical-align: top;flex: 100 100 0%;align-self: flex-start;height: auto;line-height: 0;border-width: 0px;'><section powered-by="xiumi.us" style='outline: 0px;display: inline-block;width: 558px;height: 8px;vertical-align: top;overflow: hidden;background-color: rgb(67, 166, 215);'><section style='outline: 0px;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='outline: 0px;text-align: justify;line-height: 1.75em;'><section powered-by="xiumi.us" style='padding: 20px;outline: 0px;display: inline-block;width: 578px;vertical-align: top;border-width: 1px;border-style: solid;border-color: rgb(62, 62, 62);'><section powered-by="xiumi.us" style='outline: 0px;line-height: 1.8;'><p style='outline: 0px;color: rgb(90, 90, 90);letter-spacing: 1px;'><span style='outline: 0px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 2px;'><span style='outline: 0px;color: rgb(62, 62, 62);'>8月31日晚，中国人民银行、国家金融监督管理总局联合发布《关于降低存量首套住房贷款利率有关事项的通知》。</span><span style='outline: 0px;color: rgb(62, 62, 62);'>文件明确，自2023年9月25日起，存量首套住房商业性个人住房贷款的借款人可以向承贷机构提出申请置换，在LPR上的加点幅度不得低于原贷款发放时所在城市首套房商业性个人住房贷款利率政策下限。</span></span></p><p style='outline: 0px;color: rgb(90, 90, 90);letter-spacing: 1px;'><span style='outline: 0px;color: rgb(62, 62, 62);font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;font-size: 16px;letter-spacing: 2px;'><br style='outline: 0px;'></span></p><p style='outline: 0px;'><span style='outline: 0px;color: rgb(62, 62, 62);font-size: 16px;letter-spacing: 2px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'>有业内人士表示，存量首套住房商业性个人住房贷款利率调整后，购房者财务负担会有明显下降</span><span style='outline: 0px;font-size: 16px;letter-spacing: 2px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;color: rgb(61, 170, 214);'><span style='outline: 0px;color: rgb(62, 62, 62);'>，</span></span><strong style='outline: 0px;'><span style='outline: 0px;font-size: 16px;letter-spacing: 2px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;color: rgb(61, 170, 214);'><span style='outline: 0px;color: rgb(62, 62, 62);'><span style='outline: 0px;'></span></span>利率平均降幅约为0.8个百分点。据估算，本次调整涉及的客户可能超过4000万，涉及调整的贷款规模可能达25万亿元。</span></strong><span style='outline: 0px;color: rgb(62, 62, 62);font-size: 16px;letter-spacing: 2px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;'>以100万元、25年期、原利率5.1%的存量房贷为例，假设房贷利率降至4.3%<span style='outline: 0px;'><span style='outline: 0px;'>，</span></span></span><strong style='outline: 0px;'><span style='outline: 0px;font-size: 16px;letter-spacing: 2px;font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif;color: rgb(61, 170, 214);'>可节约借款人利息支出每年超5000元。</span></strong></p></section></section></section><section powered-by="xiumi.us" style='outline: 0px;font-size: 16px;'><section style='outline: 0px;display: flex;flex-flow: row;'><section style='margin-right: 10px;margin-left: 10px;outline: 0px;display: inline-block;width: auto;vertical-align: top;flex: 100 100 0%;align-self: flex-start;height: auto;line-height: 0;border-width: 0px;'><section powered-by="xiumi.us" style='outline: 0px;display: inline-block;width: 558px;height: 8px;vertical-align: top;overflow: hidden;background-color: rgb(67, 166, 215);'><section style='outline: 0px;'><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section></section></section></section><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; text-indent: 0em; letter-spacing: 0.578px; text-align: center; line-height: 1.75em;'><br></section><section data-role="outer" style='outline: 0px; letter-spacing: 0.544px; text-align: center; caret-color: rgb(255, 0, 0); font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;'><section data-role="paragraph" style='outline: 0px;'><hr style='outline: 0px;text-align: left;color: rgb(51, 51, 51);letter-spacing: 0.544px;'><p style='outline: 0px; text-align: left; color: rgb(51, 51, 51); letter-spacing: 0.544px;'><span style='outline: 0px;letter-spacing: 0.544px;color: rgb(178, 178, 178);font-size: 12px;'>来源：湖北发布、中国人民银行湖北省分行网站</span></p><p style='outline: 0px;text-align: left;color: rgb(51, 51, 51);letter-spacing: 0.544px;'><br></p></section></section></div><p></p> 可以通俗易懂吗 房贷省多少不如降点房价。 眼看它起高楼眼看它宴宾客
眼看它楼塌了{:225:} 降利率 降首付 就是不肯降房价 降房价才是根本，全国都知道，但上面装作不知道 我国的这些官方文案们总是要搞得晦涩难懂，让你猜不透，总重解释权在他们手里。 难算的，反正不买 把当初提出准许卖期房的那个人揪出来，不知道害了多少人多少家庭。 想方设法逼你买房{:216:} 想方设法算计，不从根本上解决百姓忧苦 但是问银行他们说没收到通知 电动门维修安装 发表于 2023-9-2 14:43
降利率 降首付 就是不肯降房价
道理和油价调整是一个道理，懂了不？降三次不去涨一次， 心~如~止~水 发表于 2023-9-2 14:59
降房价才是根本，全国都知道，但上面装作不知道
怎么可能不知道呢？老百姓不知道有可能，他们不知道绝无可能，给你把房价降了，上面怎么收韭菜，怎么开支？ 蛮简单，想要降放房价，只需要全国人民两年不买房，他们自然就乖乖降了，就看大家做不做得到了咯， 油价还是要大涨价的，房价短时间内不会降价的，因为还有韭菜可以收割！ 哈哈 文件说的像天书，我这智商横看竖看不知啥东东 最后一句，一年省50元。
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