上海證券報引述消息:存量首套房貸利率涉及調整貸款規模或達25萬億人幣
據《上海證券報》引述接近監管的有關人士表示,存量首套住房商業性個人住房貸款利率調整後,購房者財務負擔會有明顯下降,利率平均降幅約爲0.8個百分點。據估算,此次調整涉及的客戶可能超過4,000萬,涉及調整的貸款規模可能達25萬億元人民幣(下同)。
以100萬元、25年期、原利率5.1%的存量房貸爲例,假設房貸利率降至4.3%,可節約借款人利息支出每年超過5,000元。
人民銀行與國家金融監督管理總局昨晚(8月31日)發通知,決定調整優化差別化住房信貸政策,將首套房最低首付比例統一爲不低於20%,二套住房最低首付比例統一爲不低於30%。首套房貸利率政策下限按現行規定執行,二套房貸下限調整爲不低於相應期限貸款市場報價利率(LPR)加20個基點。
Follow us
Find us on
Facebook,
Twitter ,
Instagram, and
YouTube or frequent updates on all things investing.Have a financial topic you would like to discuss? Head over to the
uSMART Community to share your thoughts and insights about the market! Click the picture below to download and explore uSMART app!

Disclaimers
uSmart Securities Limited (“uSmart”) is based on its internal research and public third party information in preparation of this article. Although uSmart uses its best endeavours to ensure the content of this article is accurate, uSmart does not guarantee the accuracy, timeliness or completeness of the information of this article and is not responsible for any views/opinions/comments in this article. Opinions, forecasts and estimations reflect uSmart’s assessment as of the date of this article and are subject to change. uSmart has no obligation to notify you or anyone of any such changes. You must make independent analysis and judgment on any matters involved in this article. uSmart and any directors, officers, employees or agents of uSmart will not be liable for any loss or damage suffered by any person in reliance on any representation or omission in the content of this article. The content of this article is for reference only. It does not constitute an offer, solicitation, recommendation, opinion or guarantee of any securities, financial products or instruments.The content of the article is for reference only and does not constitute any offer, solicitation, recommendation, opinion or guarantee of any securities, virtual assets, financial products or instruments. Regulatory authorities may restrict the trading of virtual asset-related ETFs to only investors who meet specified requirements.
Investment involves risks and the value and income from securities may rise or fall. Past performance is not indicative of future performance.