利率降了！你的房贷能省多少钱？
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近日
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备受市场关注的5月LPR报价出炉
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1年期LPR为
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3.7%
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5年期以上LPR为
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4.45%
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本次5年期以上LPR报价为何会超预期下调？
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利率下调将会产生哪些影响？
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又将如何影响房贷？
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一起来看
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↓↓↓
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首套房房贷利率最低可降至4.25%
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据中国人民银行授权全国银行间同业拆借中心公布，2022年5月20日贷款市场报价利率（LPR）为：1年期LPR为3.7%，5年期以上LPR为4.45%。
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其中，
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5年期以上LPR相较上月4.6%下调了15个基点，
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1年期LPR保持不变。自LPR改革以来，这是5年期以上LPR经历的第5次调整。与之前5—10个基点的下调幅度相比，
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本次下调幅度为历次最高。
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对于本次LPR报价下调，东方金诚首席宏观分析师王青分析，主要是基于两方面原因，
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一方面，
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当前降低企业和居民贷款利率的迫切性进一步增强；
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另一方面，
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近期市场利率明显下行，加之监管层正在推动银行存款成本较快下降，更多报价行有动力下调LPR报价。由此，尽管5月MLF利率保持不变，也未实施全面降准，但LPR报价也能实现单独下调。
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“5年期以上LPR下调，不仅可以降低个人住房贷款偿付成本，从而刺激消费需求；也可以降低企业中长期贷款的偿付成本，激发企业中长期贷款需求。”招联金融首席研究员董希淼表示。
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5月15日，人民银行、银保监会发布了关于调整差别化住房信贷政策有关问题的通知。通知明确，对于贷款购买普通自住房的居民家庭，首套住房商业性个人住房贷款利率下限调整为不低于相应期限贷款市场报价利率（LPR）减20个基点。二套住房商业性个人住房贷款利率政策下限按现行规定执行。
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这意味着，按照5月20日的LPR报价，1年期LPR为3.7％，5年期以上LPR为4.45％，那么
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首套住房商业性个人住房贷款利率下限幅度可至4.25％。
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贷款100万30年利息可省3.2万
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作为房贷利率参考基础，本次5年期以上LPR由上月的4.6%调整为4.45%，这对新发放商业性个人住房贷款和存量商业性个人住房贷款将会产生哪些影响？
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对于新申请住房贷款的居民家庭来说，无论是首套房还是二套房，利率均可直接下调15个基点。
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如果是首套房，除了立即下调15个基点外，还可叠加央行、银保监会将全国层面新发放首套住房商业性个人住房贷款利率下限从LPR调整为LPR-20个基点政策，首套房房贷利率最低可至4.25%。
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对于存量商业性个人住房贷款，也将在购房人与商业银行合同约定的利率重定价日后下调15个基点。
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据测算，按贷款金额100万元、期限30年、等额本息还款估算，与调整前相比，平均每月可减少月供支出约89元，未来30年内共减少利息支出约3.2万元。
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值得注意的是，这并不意味着所有的存量房贷月供都会减少。因为这与个人选择房贷利率方式有关，
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若选择了固定利率，此项调整不会影响房贷变化；
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若选择了“LPR+基点”的浮动利率，则会引起后期月供的变化。
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那对于选择浮动利率的是否会立即生效呢？有银行业内人士表示，贷款的实际执行利率会按照合同约定的时间定期进行调整，具体要看重定价周期和重定价日的约定情况。
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目前市场上，个人房贷重新约定的重定价日一般为每年的1月1日或贷款发放日的对应日，重新约定的重定价周期最短为一年。这也意味着，对于重定价周期一年，重定价日为每年1月1日的房贷用户，
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本次调整并不会立即影响月供变化，要到次年的1月1日才会按照最新的报价，确定房贷利率。
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对于重定价日约定为贷款发放日的房贷用户，如果贷款发放日刚好在5月20日之后，房贷利率即可按照最新5年期以上LPR报价执行。
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来源：川观新闻
</p> 已经被割韭菜了，每个月多还200元 江容 发表于 2022-5-23 15:56
我觉得没有用，还款清单列好了，数目也规定了。空欢喜一场。
选了浮动利率的有变化 江容 发表于 2022-5-23 15:56
我觉得没有用，还款清单列好了，数目也规定了。空欢喜一场。
我刚刚看了一下，我从8月份开始每个月少还50多块钱 不影响我全款吧！ 不影响，我公积金 跟之前比便宜了50左右 说白了就是房子卖不动了，为了调动大家的积极性！ 固定利率不影响 不是所有的存量房贷月供都会减少，划重点 这两年，有钱都不要去买房了 看不懂！ 我却的不是这点儿利息，缺的是买房子的钱 要贷的越久，利息才会少，但是这个少是相对的！ 嗯