房贷政策调整，这5个问题，答案来了！
<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 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: var(--articleFontsize); letter-spacing: 0.034em; overflow-wrap: break-word !important; box-sizing: border-box;"><img src="https://imgcdn.kangyanghongya.com/fmh_m20230902_null_1693621113800/catchimages/20230902/1693621113869023649.png?imageMogr2/thumbnail/700x>/strip/quality/95/ignore-error/1|imageslim"/></span></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; 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letter-spacing: 0.034em; font-size: 20px; color: rgb(0, 122, 170); overflow-wrap: break-word !important; box-sizing: border-box;">房贷政策有了新变化，你关心的问题都在这里</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">这两天，房贷利率、首付比例变化的消息牵动购房者的心。根据中国人民银行、国家金融监督管理总局发布的通知，政策主要涉及降低存量首套房贷利率、调整二套房贷利率、调整首付款比例等。记者梳理了具体的调整细节，看看有没有你关心的问题。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(0, 122, 170); overflow-wrap: break-word !important; box-sizing: border-box;">问题一：降低房贷利率，我能申请吗？包含住房公积金贷款吗？</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">答：根据通知，符合条件的存量首套住房贷款是指，<strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(171, 25, 66); overflow-wrap: break-word !important; box-sizing: border-box;">2023年8月31日前金融机构已发放，已签订合同但未发放的，以及借款人实际住房情况符合所在城市首套住房标准的存量住房商业性个人住房贷款。</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">也就是说，如果你是政策发布（8月31日）前贷的款，不管贷款是否已经发放了，只要你跟银行签了贷款合同，又符合首套住房的标准，那就可以去申请降低利率。值得注意的是，住房公积金贷款目前不在调整范围内。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">不过，如果你当时签订的贷款利率已经很低了，就不一定有下调的空间。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">据估算，全国有近1亿个首套房存量贷款合同，而其中因利率偏高面临协商调整的借款人约4000万户。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(0, 122, 170); overflow-wrap: break-word !important; box-sizing: border-box;">问题二：我该怎么申请降低存量首套房贷利率？</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">答：根据通知，对于符合条件的存量住房贷款，借款人申请降低利率有两种途径，<strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(171, 25, 66); overflow-wrap: break-word !important; box-sizing: border-box;">一是以“新”换“旧”，向银行申请“新贷款”置换“旧房贷”，二是跟银行协商变更原来的利率水平。具体选取哪种方式，可以结合自身情况和银行协商。</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">值得注意的是，如果选取第一种方式，新发放贷款只能用于偿还“旧房贷”，不能挪作他用。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">时间上看，如果你符合条件，那么从2023年9月25日起，就可以向之前贷款的银行提出申请了。现在，银行正在进行修订合同文本、改造调整系统、识别符合标准的客户等准备工作。到时候怎么申请还有待各银行进一步明确。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(0, 122, 170); overflow-wrap: break-word !important; box-sizing: border-box;">问题三：降低存量首套房贷利率，能省多少钱？</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">答：对不少房贷利率处于高位的购房者来说，降低存量房贷利率、减少利息支出，可以说是期盼已久。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">根据测算，<strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(171, 25, 66); overflow-wrap: break-word !important; box-sizing: border-box;">本次存量首套房贷利率调整，平均降幅大约为0.8个百分点。以100万元、25年期、原利率5.1%的存量房贷为例，假设协商后房贷利率降至4.3%，每年可节约利息支出超5000元。</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">但具体每笔贷款的调整幅度有多大，还要根据实际情况来看。根据通知，具体利率调整幅度由借贷双方协商确定，调整后的利率，不能低于原贷款发放时所在城市的首套住房贷款利率政策下限。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">这就是说，对借款人而言，具体能享受到多大幅度的调降，要看办理贷款时当地的首套房贷利率下限，以及与银行的协商情况。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(0, 122, 170); overflow-wrap: break-word !important; box-sizing: border-box;">问题四：我要买二套房，贷款利率能降多少？</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">答：对于要买二套房的购房者来说，<strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(171, 25, 66); overflow-wrap: break-word !important; box-sizing: border-box;">此次房贷政策调整的一大利好就是二套房贷款利率下限从过去LPR“加60个基点”变为“加20个基点”，一次性降低40个基点，力度可是不小。</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">假设按8月份最新5年期以上LPR计算，以LPR加60个基点申请贷款，二套房贷款利率达到4.8%，调整为加20个基点后，贷款利率则降至4.4%。以200万元、20年期、等额本息的商贷为例，调整后借款人可节约利息支出超10万元，月供将减少400多元。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">过去一段时间，不少住房信贷政策调整集中在满足居民刚性住房消费需求，降低二套房贷款利率政策下限，有助于更好地支持居民改善性住房消费需求。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 18px; color: rgb(0, 122, 170); overflow-wrap: break-word !important; box-sizing: border-box;">问题五：统一首付款比例下限，我的首付款能降多少？</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">答：根据通知，<strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(171, 25, 66); overflow-wrap: break-word !important; box-sizing: border-box;">不再区分实施“限购”和“非限购”城市，统一全国商业性个人住房贷款最低首付款比例政策下限：首套房不低于20%，二套房不低于30%。</span></strong></p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">这个政策对“非限购”城市的购房者来说可能意义不大，因为很多地方已经在按这个水平执行。但在“限购”城市，首套和二套住房最低首付款比例政策下限分别是30%和40%，在实际执行中很多地方二套房首付比例要求高于40%，甚至达到60%至80%。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">这次调整后，“限购”城市的购房者将从中受益。以一套总价500万元的二套房为例，首付60%，需要300万元；如果首付比例降到30%，首付款就能减少150万元。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;">降低首付比例下限，有利于降低居民首付负担，增强购房能力和意愿。不过，政策规定的只是一个下限，各地如何确定首付比例，尤其是一些重点城市的首付比例能否下调、下调幅度有多大，还得各地根据当地房地产市场形势和调控需求来定。</p><p style="margin: 0px 0px 24px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; text-align: center; overflow-wrap: break-word !important; white-space: normal; box-sizing: border-box;"><img src="https://imgcdn.kangyanghongya.com/fmh_m20230902_null_1693621113800/catchimages/20230902/1693621114463040748.jpg?imageMogr2/thumbnail/700x>/strip/quality/95/ignore-error/1|imageslim"/></p><p style="margin: 0px 0px 24px; white-space: normal; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="white-space: normal; margin: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section></section><p><br/></p><p></p> <p></p> <p></p><p>来源:洪雅融媒</p> 有没有和我一样还着5.88的利息啊？ 这个可以有 不买 哦 现在谁卖谁傻！ 哦 哦 为了卖土地才是关键 基点不变都没多少吧 赞
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