重磅！购房首付比、存量房贷利率调整
<section style="box-sizing: border-box; font-style: normal; font-weight: 400; text-align: justify; font-size: 16px;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; line-height: 1.75em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">刚刚<br style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"/></span></p><p style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; line-height: 1.75em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">中国人民银行微信公众号</span></p><p style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; line-height: 1.75em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">连续发布两篇文章</span></p><p style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; line-height: 1.75em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 112, 192); overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;">调整优化差别化住房信贷政策</span></strong></span></p><p style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; line-height: 1.75em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 112, 192); overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;">降低存量首套住房贷款利率</span></strong></span><strong style="padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 112, 192); font-size: var(--articleFontsize); letter-spacing: 0.034em; overflow-wrap: break-word !important; box-sizing: border-box;"></strong></p><p style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; line-height: 1.75em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">详情如下<br style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"/></span></p><p style="margin: 0px 8px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; line-height: 1.75em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">▼</span></p><p style="padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; white-space: normal; background-color: rgb(255, 255, 255); text-align: center; visibility: visible; overflow-wrap: break-word !important; margin: 0px; box-sizing: border-box;"><br style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"/></p><section style="padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); 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); visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; width: 578.182px; flex: 0 0 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="margin: 10px auto; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 1em; outline: 0px; max-width: 100%; border-style: solid; border-width: 1px; border-color: rgb(13, 62, 121); border-radius: 8px; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(59, 47, 44); visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; line-height: 2em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;">中国人民银行 国家金融监督管理总局关于调整优化差别化住房信贷政策的通知</span></strong></span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; line-height: 2em; text-indent: 0em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，适应我国房地产市场供求关系发生重大变化的新形势，更好满足刚性和改善性住房需求，促进房地产市场平稳健康发展，中国人民银行、国家金融监督管理总局决定调整优化差别化住房信贷政策。现就有关事项通知如下：</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">一、对于贷款购买商品住房的居民家庭，</span><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; color: rgb(0, 112, 192); overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;">首套住房商业性个人住房贷款最低首付款比例统一为不低于20%，二套住房商业性个人住房贷款最低首付款比例统一为不低于30%</strong></span><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">二、首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，二套住房商业性个人住房贷款利率政策下限调整为不低于相应期限贷款市场报价利率加20个基点。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">三、中国人民银行、国家金融监督管理总局各派出机构按照因城施策原则，指导各省级市场利率定价自律机制，根据辖区内各城市房地产市场形势及当地政府调控要求，自主确定辖区内各城市首套和二套住房商业性个人住房贷款最低首付款比例和利率下限。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">四、银行业金融机构应根据各省级市场利率定价自律机制确定的最低首付款比例和利率下限，结合本机构经营状况、客户风险状况等因素，合理确定每笔贷款的具体首付款比例和利率水平。</span></section><section style="padding: 0px; outline: 0px; max-width: 100%; line-height: 2em; text-align: right; text-indent: 0em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">中国人民银行</span></section><section style="padding: 0px; outline: 0px; max-width: 100%; line-height: 2em; text-align: right; text-indent: 0em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">国家金融监督管理总局</span></section><p style="padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 2em; text-align: right; text-indent: 0em; overflow-wrap: break-word !important; margin: 0px; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">2023年8月31日</span></p></section></section></section></section></section></section></section></section><section style="padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-wrap: wrap; background-color: rgb(255, 255, 255); overflow-wrap: break-word !important; box-sizing: border-box;"><section label="Edit by 135editor.com" style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><section label="Powered by 135editor.com" style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><p style="padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; margin: 0px; box-sizing: border-box;"><br style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"/></p><section style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; font-size: 16px; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; width: 578.182px; flex: 0 0 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="margin: 10px auto; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><p style="padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; visibility: visible; overflow-wrap: break-word !important; margin: 0px; box-sizing: border-box;"><br style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"/></p></section><section style="padding: 1em; outline: 0px; max-width: 100%; border-style: solid; border-width: 1px; border-color: rgb(13, 62, 121); border-radius: 8px; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; line-height: 1.75em; letter-spacing: 1.5px; font-size: 14px; color: rgb(59, 47, 44); visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-align: center; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="padding: 0px; outline: 0px; max-width: 100%; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;">中国人民银行 国家金融监督管理总局关于降低存量首套住房贷款利率有关事项的通知</span></strong></span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; line-height: 2em; text-indent: 0em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，引导商业性个人住房贷款借贷双方有序调整优化资产负债，规范住房信贷市场秩序，现就降低存量首套住房商业性个人住房贷款利率有关事项通知如下：</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">一、存量首套住房商业性个人住房贷款，是指2023年8月31日前金融机构已发放的和已签订合同但未发放的首套住房商业性个人住房贷款，或借款人实际住房情况符合所在城市首套住房标准的其他存量住房商业性个人住房贷款。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; visibility: visible; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">二、</span><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; color: rgb(0, 112, 192); overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;">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向承贷金融机构提出申请，由该金融机构新发放贷款置换存量首套住房商业性个人住房贷款。</strong></span><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; visibility: visible; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">新发放贷款的利率水平由金融机构与借款人自主协商确定，但在贷款市场报价利率（LPR）上的加点幅度，不得低于原贷款发放时所在城市首套住房商业性个人住房贷款利率政策下限。新发放的贷款只能用于偿还存量首套住房商业性个人住房贷款，仍纳入商业性个人住房贷款管理。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">三、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亦可向承贷金融机构提出申请，协商变更合同约定的利率水平，变更后的贷款合同利率水平应符合本通知第二条的规定。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">四、金融机构应严格落实相关监管要求，对借款人申请经营性贷款和个人消费贷款等贷款的用途进行穿透式、实质性审核，并明确提示风险。对存在协助借款人利用经营性贷款和个人消费贷款等违规置换存量商业性个人住房贷款行为的中介机构一律不得进行合作，并严肃处理存在上述行为的内部人员。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">五、各金融机构要抓紧制定具体操作细则，做好组织实施，提高服务水平，及时响应借款人申请，尽可能采取便捷措施，降低借款人操作成本，确保本通知有关要求落实到位。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">六、中国人民银行和金融监管总局各分支机构要将本通知立即转发辖内地方法人金融机构，督促贯彻执行，有效维护市场秩序。</span></section><section style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; text-indent: 2em; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">本通知自2023年9月25日起实施。此前相关规定与本通知不一致的，以本通知为准。</span></section><section style="padding: 0px; outline: 0px; max-width: 100%; text-align: right; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">中国人民银行</span></section><section style="padding: 0px; outline: 0px; max-width: 100%; text-align: right; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">国家金融监督管理总局</span></section><section style="padding: 0px; outline: 0px; max-width: 100%; text-align: right; line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="padding: 0px; outline: 0px; max-width: 100%; font-size: 17px; letter-spacing: 2px; overflow-wrap: break-word !important; box-sizing: border-box;">2023年8月31日</span></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section></section><p></p> <p></p> <p></p><p>来源:洪雅融媒</p> 学习之星 发表于 2023-9-1 09:05几年前工行5.88利率的可以去申请调低不
去申请成功说说一声，我也去申请 几年前工行5.88利率的可以去申请调低不 买不起 不管它 房地产的春天要回来了？ 大冤种+1 无息不好吗，现在汽车那些都零利息了，刺激房产，得下重药，把房地产当支柱产业，整垮丝的节奏 没文化看不懂，但是我知道，存的钱越多，利息就越多。贷款也一样。 资产在无风险 5.68的大冤种 ， 学习之星 发表于 2023-9-1 09:05
几年前工行5.88利率的可以去申请调低不
可以 可以调整只是幅度会很小不会和现在贷款利率那么低现在利率是基准上降了20个基点的 维也纳 发表于 2023-9-1 09:23
去申请成功说说一声，我也去申请
我也在等看身边有没成功的。。。这个5.88的冤种利率，现在利率低多了
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