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好(Hao)消(Xiao)息(Xi)!下(Xia)周(Zhou)起(Qi),大(Da)多(Duo)数(Shu)存(Cun)量(Liang)房(Fang)贷(Dai)利(Li)率(Lv)将(Jiang)再(Zai)次(Ci)下(Xia)调(Diao)!月(Yue)供(Gong)能(Neng)减(Jian)多(Duo)少(Shao)?专(Zhuan)家(Jia):明(Ming)年(Nian)房(Fang)贷(Dai)利(Li)率(Lv)或(Huo)将(Jiang)继(Ji)续(Xu)下(Xia)行(Xing)……2023-12-29 12:55·每(Mei)日(Ri)经(Jing)济(Ji)新(Xin)闻(Wen)据(Ju)央(Yang)视(Shi)财(Cai)经(Jing),记(Ji)者(Zhe)从(Cong)多(Duo)家(Jia)银(Yin)行(Xing)了(Liao)解(Jie)到(Dao),从(Cong)2024年(Nian)1月(Yue)1日(Ri)(下(Xia)周(Zhou)一(Yi))起(Qi),大(Da)多(Duo)数(Shu)存(Cun)量(Liang)房(Fang)贷(Dai)将(Jiang)迎(Ying)来(Lai)利(Li)率(Lv)下(Xia)调(Diao),调(Diao)整(Zheng)的(De)幅(Fu)度(Du)是(Shi)10个(Ge)基(Ji)点(Dian)。据(Ju)新(Xin)京(Jing)报(Bao)贝(Bei)壳(Ke)财(Cai)经(Jing),选(Xuan)择(Ze)将(Jiang)每(Mei)年(Nian)1月(Yue)1日(Ri)作(Zuo)为(Wei)“重(Zhong)定(Ding)价(Jia)日(Ri)”、且(Qie)在(Zai)今(Jin)年(Nian)6月(Yue)20日(Ri)以(Yi)前(Qian)定(Ding)价(Jia)的(De)存(Cun)量(Liang)房(Fang)贷(Dai),利(Li)率(Lv)即(Ji)将(Jiang)再(Zai)度(Du)下(Xia)调(Diao)10个(Ge)基(Ji)点(Dian)。这(Zhe)与(Yu)今(Jin)年(Nian)9月(Yue)底(Di)开(Kai)始(Shi)的(De)调(Diao)降(Jiang)存(Cun)量(Liang)房(Fang)利(Li)率(Lv)并(Bing)不(Bu)冲(Chong)突(Tu)。与(Yu)9月(Yue)份(Fen)存(Cun)量(Liang)贷(Dai)款(Kuan)利(Li)率(Lv)调(Diao)整(Zheng)时(Shi)下(Xia)调(Diao)加(Jia)点(Dian)部(Bu)分(Fen)不(Bu)同(Tong),LPR虽(Sui)然(Ran)每(Mei)月(Yue)更(Geng)新(Xin)1次(Ci),但(Dan)对(Dui)于(Yu)贷(Dai)款(Kuan)客(Ke)户(Hu)而(Er)言(Yan),其(Qi)利(Li)率(Lv)每(Mei)年(Nian)仅(Jin)能(Neng)在(Zai)合(He)同(Tong)中(Zhong)约(Yue)定(Ding)的(De)“重(Zhong)定(Ding)价(Jia)日(Ri)”调(Diao)整(Zheng)1次(Ci),并(Bing)以(Yi)重(Zhong)定(Ding)价(Jia)日(Ri)前(Qian)公(Gong)布(Bu)的(De)最(Zui)新(Xin)LPR为(Wei)准(Zhun)。据(Ju)了(Liao)解(Jie),大(Da)部(Bu)分(Fen)贷(Dai)款(Kuan)客(Ke)户(Hu)的(De)重(Zhong)定(Ding)价(Jia)日(Ri)设(She)为(Wei)每(Mei)年(Nian)1月(Yue)1日(Ri)。大(Da)多(Duo)数(Shu)存(Cun)量(Liang)房(Fang)贷(Dai)明(Ming)年(Nian)1月(Yue)1日(Ri)起(Qi)下(Xia)调(Diao)银(Yin)行(Xing):无(Wu)需(Xu)客(Ke)户(Hu)做(Zuo)任(Ren)何(He)操(Cao)作(Zuo)据(Ju)央(Yang)视(Shi)新(Xin)闻(Wen),银(Yin)行(Xing)人(Ren)士(Shi)介(Jie)绍(Shao),目(Mu)前(Qian)市(Shi)场(Chang)上(Shang)的(De)个(Ge)人(Ren)房(Fang)贷(Dai)利(Li)率(Lv)基(Ji)本(Ben)上(Shang)都(Du)是(Shi)采(Cai)用(Yong)贷(Dai)款(Kuan)市(Shi)场(Chang)报(Bao)价(Jia)利(Li)率(Lv)LPR加(Jia)减(Jian)点(Dian)形(Xing)成(Cheng)的(De),也(Ye)就(Jiu)是(Shi)说(Shuo)房(Fang)贷(Dai)利(Li)率(Lv)的(De)高(Gao)低(Di)受(Shou)LPR涨(Zhang)跌(Die)的(De)影(Ying)响(Xiang)。贷(Dai)款(Kuan)市(Shi)场(Chang)报(Bao)价(Jia)利(Li)率(Lv)LPR每(Mei)月(Yue)公(Gong)布(Bu)一(Yi)次(Ci),而(Er)房(Fang)贷(Dai)利(Li)率(Lv)则(Ze)是(Shi)每(Mei)年(Nian)有(You)一(Yi)次(Ci)调(Diao)整(Zheng)机(Ji)会(Hui)。贷(Dai)款(Kuan)人(Ren)可(Ke)以(Yi)选(Xuan)择(Ze)在(Zai)每(Mei)年(Nian)的(De)1月(Yue)1日(Ri)调(Diao)整(Zheng),也(Ye)可(Ke)以(Yi)选(Xuan)择(Ze)在(Zai)贷(Dai)款(Kuan)发(Fa)放(Fang)日(Ri)调(Diao)整(Zheng)。每(Mei)年(Nian)1月(Yue),银(Yin)行(Xing)会(Hui)根(Gen)据(Ju)上(Shang)一(Yi)年(Nian)LPR的(De)涨(Zhang)跌(Die)幅(Fu)度(Du),调(Diao)整(Zheng)新(Xin)一(Yi)年(Nian)的(De)个(Ge)人(Ren)房(Fang)贷(Dai)利(Li)率(Lv)。交(Jiao)通(Tong)银(Yin)行(Xing)北(Bei)京(Jing)市(Shi)分(Fen)行(Xing)消(Xiao)费(Fei)金(Jin)融(Rong)部(Bu)总(Zong)经(Jing)理(Li)陈(Chen)静(Jing)表(Biao)示(Shi),2023年(Nian)6月(Yue),LPR进(Jin)行(Xing)了(Liao)调(Diao)整(Zheng),5年(Nian)期(Qi)以(Yi)上(Shang)的(De)LPR从(Cong)4.3%调(Diao)降(Jiang)到(Dao)了(Liao)4.2%,减(Jian)少(Shao)了(Liao)10个(Ge)基(Ji)点(Dian),相(Xiang)应(Ying)客(Ke)户(Hu)的(De)贷(Dai)款(Kuan)利(Li)率(Lv)也(Ye)会(Hui)减(Jian)少(Shao)10个(Ge)基(Ji)点(Dian)。绝(Jue)大(Da)多(Duo)数(Shu)客(Ke)户(Hu)的(De)重(Zhong)定(Ding)价(Jia)日(Ri)都(Du)是(Shi)1月(Yue)1日(Ri),所(Suo)以(Yi)绝(Jue)大(Da)多(Duo)数(Shu)客(Ke)户(Hu)也(Ye)都(Du)会(Hui)从(Cong)2024年(Nian)1月(Yue)1日(Ri)进(Jin)行(Xing)调(Diao)整(Zheng),无(Wu)需(Xu)客(Ke)户(Hu)做(Zuo)任(Ren)何(He)操(Cao)作(Zuo)。据(Ju)银(Yin)行(Xing)人(Ren)士(Shi)测(Ce)算(Suan),以(Yi)北(Bei)京(Jing)地(Di)区(Qu)首(Shou)套(Tao)房(Fang)贷(Dai)、贷(Dai)款(Kuan)金(Jin)额(E)100万(Wan)元(Yuan)、期(Qi)限(Xian)20年(Nian)、采(Cai)用(Yong)等(Deng)额(E)本(Ben)息(Xi)还(Huan)款(Kuan)方(Fang)式(Shi)的(De)个(Ge)人(Ren)房(Fang)贷(Dai)为(Wei)例(Li)。明(Ming)年(Nian)1月(Yue)1日(Ri)贷(Dai)款(Kuan)利(Li)率(Lv)由(You)4.3%下(Xia)降(Jiang)为(Wei)4.2%,月(Yue)供(Gong)就(Jiu)会(Hui)从(Cong)6219元(Yuan)下(Xia)降(Jiang)到(Dao)6166元(Yuan),减(Jian)少(Shao)了(Liao)53元(Yuan)。如(Ru)果(Guo)按(An)贷(Dai)款(Kuan)期(Qi)限(Xian)20年(Nian)计(Ji)算(Suan),总(Zong)利(Li)息(Xi)支(Zhi)出(Chu)将(Jiang)减(Jian)少(Shao)12801元(Yuan)。9月(Yue)下(Xia)旬(Xun),根(Gen)据(Ju)中(Zhong)国(Guo)人(Ren)民(Min)银(Yin)行(Xing)、金(Jin)融(Rong)监(Jian)管(Guan)总(Zong)局(Ju)的(De)通(Tong)知(Zhi),超(Chao)过(Guo)22万(Wan)亿(Yi)元(Yuan)的(De)存(Cun)量(Liang)房(Fang)贷(Dai)利(Li)率(Lv)得(De)到(Dao)了(Liao)下(Xia)调(Diao),平(Ping)均(Jun)降(Jiang)幅(Fu)0.73个(Ge)百(Bai)分(Fen)点(Dian),惠(Hui)及(Ji)1.5亿(Yi)人(Ren),每(Mei)年(Nian)减(Jian)少(Shao)借(Jie)款(Kuan)人(Ren)利(Li)息(Xi)支(Zhi)出(Chu)1600亿(Yi)到(Dao)1700亿(Yi)元(Yuan)。专(Zhuan)家(Jia):明(Ming)年(Nian)房(Fang)贷(Dai)利(Li)率(Lv)或(Huo)将(Jiang)继(Ji)续(Xu)下(Xia)行(Xing)近(Jin)日(Ri),工(Gong)行(Xing)、农(Nong)行(Xing)、中(Zhong)行(Xing)、建(Jian)行(Xing)、交(Jiao)行(Xing)等(Deng)国(Guo)有(You)大(Da)行(Xing),以(Yi)及(Ji)中(Zhong)信(Xin)银(Yin)行(Xing)、招(Zhao)商(Shang)银(Yin)行(Xing)等(Deng)12家(Jia)股(Gu)份(Fen)制(Zhi)银(Yin)行(Xing)均(Jun)官(Guan)宣(Xuan)下(Xia)调(Diao)存(Cun)款(Kuan)利(Li)率(Lv)。据(Ju)证(Zheng)券(Quan)日(Ri)报(Bao),中(Zhong)央(Yang)财(Cai)经(Jing)大(Da)学(Xue)证(Zheng)券(Quan)期(Qi)货(Huo)研(Yan)究(Jiu)所(Suo)研(Yan)究(Jiu)员(Yuan)、内(Nei)蒙(Meng)古(Gu)银(Yin)行(Xing)研(Yan)究(Jiu)发(Fa)展(Zhan)部(Bu)总(Zong)经(Jing)理(Li)杨(Yang)海(Hai)平(Ping)指(Zhi)出(Chu),此(Ci)次(Ci)降(Jiang)息(Xi)的(De)背(Bei)景(Jing),是(Shi)12月(Yue)份(Fen)LPR按(An)兵(Bing)不(Bu)动(Dong),且(Qie)预(Yu)期(Qi)中(Zhong)的(De)降(Jiang)准(Zhun)也(Ye)没(Mei)有(You)兑(Dui)现(Xian)。“但(Dan)是(Shi)根(Gen)据(Ju)市(Shi)场(Chang)的(De)判(Pan)断(Duan),降(Jiang)准(Zhun)降(Jiang)息(Xi)在(Zai)近(Jin)期(Qi)仍(Reng)然(Ran)是(Shi)有(You)必(Bi)要(Yao)的(De),也(Ye)是(Shi)有(You)空(Kong)间(Jian)的(De)。”杨(Yang)海(Hai)平(Ping)表(Biao)示(Shi),此(Ci)次(Ci)银(Yin)行(Xing)降(Jiang)息(Xi)是(Shi)意(Yi)料(Liao)之(Zhi)外(Wai)、情(Qing)理(Li)之(Zhi)中(Zhong),“商(Shang)业(Ye)银(Yin)行(Xing)还(Huan)要(Yao)维(Wei)持(Chi)一(Yi)个(Ge)合(He)理(Li)的(De)净(Jing)息(Xi)差(Cha),只(Zhi)能(Neng)是(Shi)先(Xian)下(Xia)调(Diao)存(Cun)款(Kuan)利(Li)率(Lv)。”他(Ta)判(Pan)断(Duan),“这(Zhe)一(Yi)轮(Lun)的(De)下(Xia)调(Diao),实(Shi)际(Ji)上(Shang)是(Shi)为(Wei)LPR下(Xia)调(Diao)腾(Teng)出(Chu)了(Liao)空(Kong)间(Jian)。”据(Ju)《每(Mei)日(Ri)经(Jing)济(Ji)新(Xin)闻(Wen)》报(Bao)道(Dao),民(Min)生(Sheng)银(Yin)行(Xing)首(Shou)席(Xi)经(Jing)济(Ji)学(Xue)家(Jia)温(Wen)彬(Bin)指(Zhi)出(Chu),2024年(Nian),央(Yang)行(Xing)大(Da)概(Gai)率(Lv)仍(Reng)将(Jiang)引(Yin)导(Dao)LPR适(Shi)度(Du)下(Xia)行(Xing),进(Jin)而(Er)推(Tui)动(Dong)融(Rong)资(Zi)成(Cheng)本(Ben)稳(Wen)中(Zhong)有(You)降(Jiang),激(Ji)活(Huo)生(Sheng)产(Chan)消(Xiao)费(Fei)信(Xin)贷(Dai)需(Xu)求(Qiu),但(Dan)LPR和(He)新(Xin)发(Fa)贷(Dai)款(Kuan)利(Li)率(Lv)进(Jin)一(Yi)步(Bu)下(Xia)行(Xing)空(Kong)间(Jian)将(Jiang)有(You)所(Suo)收(Shou)窄(Zhai)。为(Wei)实(Shi)现(Xian)“灵(Ling)活(Huo)适(Shi)度(Du)、精(Jing)准(Zhun)有(You)效(Xiao)”,结(Jie)构(Gou)性(Xing)工(Gong)具(Ju)也(Ye)有(You)望(Wang)发(Fa)挥(Hui)更(Geng)大(Da)作(Zuo)用(Yong),负(Fu)债(Zhai)端(Duan)成(Cheng)本(Ben)进(Jin)一(Yi)步(Bu)管(Guan)控(Kong)必(Bi)要(Yao)性(Xing)仍(Reng)强(Qiang)。对(Dui)2024年(Nian)经(Jing)济(Ji)工(Gong)作(Zuo)做(Zuo)出(Chu)全(Quan)面(Mian)部(Bu)署(Shu)和(He)安(An)排(Pai),今(Jin)年(Nian)的(De)中(Zhong)央(Yang)经(Jing)济(Ji)工(Gong)作(Zuo)会(Hui)议(Yi)要(Yao)求(Qiu),要(Yao)继(Ji)续(Xu)“加(Jia)大(Da)宏(Hong)观(Guan)调(Diao)控(Kong)力(Li)度(Du)”,要(Yao)“强(Qiang)化(Hua)宏(Hong)观(Guan)政(Zheng)策(Ce)逆(Ni)周(Zhou)期(Qi)和(He)跨(Kua)周(Zhou)期(Qi)调(Diao)节(Jie)”。这(Zhe)意(Yi)味(Wei)着(Zhuo)稳(Wen)增(Zeng)长(Chang)政(Zheng)策(Ce)会(Hui)保(Bao)持(Chi)连(Lian)续(Xu)性(Xing)。对(Dui)于(Yu)2024年(Nian)的(De)货(Huo)币(Bi)政(Zheng)策(Ce),要(Yao)求(Qiu)“稳(Wen)健(Jian)的(De)货(Huo)币(Bi)政(Zheng)策(Ce)要(Yao)灵(Ling)活(Huo)适(Shi)度(Du)、精(Jing)准(Zhun)有(You)效(Xiao)”。东(Dong)方(Fang)金(Jin)诚(Cheng)首(Shou)席(Xi)宏(Hong)观(Guan)分(Fen)析(Xi)师(Shi)王(Wang)青(Qing)指(Zhi)出(Chu),在(Zai)物(Wu)价(Jia)水(Shui)平(Ping)仍(Reng)将(Jiang)低(Di)位(Wei)运(Yun)行(Xing)的(De)前(Qian)景(Jing)下(Xia),着(Zhuo)眼(Yan)于(Yu)提(Ti)振(Zhen)内(Nei)需(Xu),支(Zhi)持(Chi)地(Di)方(Fang)债(Zhai)务(Wu)风(Feng)险(Xian)化(Hua)解(Jie),2024年(Nian)央(Yang)行(Xing)降(Jiang)息(Xi)降(Jiang)准(Zhun)都(Du)有(You)空(Kong)间(Jian)。2024年(Nian)美(Mei)、欧(Ou)央(Yang)行(Xing)将(Jiang)转(Zhuan)向(Xiang)降(Jiang)息(Xi),为(Wei)我(Wo)国(Guo)央(Yang)行(Xing)“以(Yi)我(Wo)为(Wei)主(Zhu)”、灵(Ling)活(Huo)实(Shi)施(Shi)货(Huo)币(Bi)政(Zheng)策(Ce)提(Ti)供(Gong)了(Liao)更(Geng)大(Da)空(Kong)间(Jian)。王(Wang)青(Qing)称(Cheng),基(Ji)于(Yu)宏(Hong)观(Guan)经(Jing)济(Ji)走(Zou)势(Shi),2024年(Nian)上(Shang)半(Ban)年(Nian)MLF操(Cao)作(Zuo)利(Li)率(Lv)有(You)可(Ke)能(Neng)下(Xia)调(Diao)1次(Ci),届(Jie)时(Shi)两(Liang)个(Ge)期(Qi)限(Xian)品(Pin)种(Zhong)的(De)LPR报(Bao)价(Jia)将(Jiang)跟(Gen)进(Jin)下(Xia)调(Diao),进(Jin)而(Er)“促(Cu)进(Jin)社(She)会(Hui)综(Zong)合(He)融(Rong)资(Zi)成(Cheng)本(Ben)稳(Wen)中(Zhong)有(You)降(Jiang)”。我(Wo)们(Men)同(Tong)时(Shi)认(Ren)为(Wei),即(Ji)使(Shi)2024年(Nian)MLF利(Li)率(Lv)保(Bao)持(Chi)不(Bu)动(Dong),5年(Nian)期(Qi)以(Yi)上(Shang)LPR报(Bao)价(Jia)不(Bu)调(Diao)整(Zheng),着(Zhuo)眼(Yan)于(Yu)推(Tui)动(Dong)房(Fang)地(Di)产(Chan)行(Xing)业(Ye)尽(Jin)快(Kuai)实(Shi)现(Xian)软(Ruan)着(Zhuo)陆(Lu),政(Zheng)策(Ce)面(Mian)也(Ye)会(Hui)通(Tong)过(Guo)全(Quan)面(Mian)下(Xia)调(Diao)房(Fang)贷(Dai)利(Li)率(Lv)下(Xia)限(Xian)等(Deng)方(Fang)式(Shi),引(Yin)导(Dao)居(Ju)民(Min)房(Fang)贷(Dai)利(Li)率(Lv)较(Jiao)大(Da)幅(Fu)度(Du)下(Xia)行(Xing)。编(Bian)辑(Ji)|段(Duan)炼(Lian) 杜(Du)波(Bo)校(Xiao)对(Dui)|孙(Sun)志(Zhi)成(Cheng)封(Feng)面(Mian)图(Tu)片(Pian):视(Shi)觉(Jue)中(Zhong)国(Guo)(图(Tu)文(Wen)无(Wu)关(Guan))每(Mei)日(Ri)经(Jing)济(Ji)新(Xin)闻(Wen)综(Zong)合(He)自(Zi)央(Yang)视(Shi)财(Cai)经(Jing)、央(Yang)视(Shi)新(Xin)闻(Wen)、新(Xin)京(Jing)报(Bao)贝(Bei)壳(Ke)财(Cai)经(Jing)、证(Zheng)券(Quan)日(Ri)报(Bao)、每(Mei)经(Jing)网(Wang)、公(Gong)开(Kai)资(Zi)料(Liao)等(Deng)每(Mei)日(Ri)经(Jing)济(Ji)新(Xin)闻(Wen)

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