[摘要] 前段时间疯传的央行降息传闻,终于在2月28日落地。2月28日晚,央行“摸黑”发布通知,自2015年3月1日起,下调金融机构人民币贷款和存款基准利率,存贷款基准利率下调0.25个百分点。同时结合推进利率市场化改革,将金融机构存款利率浮动区间的上限由存款基准利率的1.2倍调整为1.3倍。
前段时间疯传的央行降息传闻,终于在2月28日落地。2月28日晚,央行“摸黑”发布通知,自2015年3月1日起,下调金融机构人民币贷款和存款基准利率,存贷款基准利率下调0.25个百分点。同时结合推进利率市场化改革,将金融机构存款利率浮动区间的上限由存款基准利率的1.2倍调整为1.3倍。
时隔3个月左右的时间,“央妈”再降息,很多一二线城市银行对房贷新政开始有了“动作”,利率或上浮或打折,变动不一。潍坊各大银行房贷利率是何状况?房天下走访潍坊各大银行发现,目前潍坊多家银行都已执行新存贷款利率。未买房的置业者现在贷款,即可按新的利率走,已批贷或正在还款的购房者,则大多从2016年1月1日起执行新的利率。
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: #0291e0;WIDTH: 450pt;HEIGHT: 29.25pt;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl68" height="39" width="600" colspan="6">潍坊房贷利率现状调查 | |||||
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: #d5f0ff;HEIGHT: 18.75pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67" height="25">城市 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: #d5f0ff;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67">银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: #d5f0ff;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67" colspan="2">首套房 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: #d5f0ff;BORDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67" colspan="2">二套房 | ||
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;HEIGHT: 183.75pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="245" rowspan="9">潍坊 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66"> | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">首付(%) | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">利率 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">首付(%) | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">利率 |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 21pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="28">工商银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">万达和华安楼盘基准,其余上浮10% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮20% | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 21pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="28">建设银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮10% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮15% | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="27">交通银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">基准 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮15% | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="23">潍坊银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮10% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮20% | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 21pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="28">招商银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">基准 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮10% | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 21pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="28">中国银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">基准 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮20% | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="27">农业银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮10% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮20% | |
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 21.75pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="29">浦发银行 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">30% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">上浮5% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">60% | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65">上浮10%-15% |
在房贷方面,交通银行、招商银行、中国银行首套房贷利率执行基准,工商银行则是购买万达和华安集团旗下的首套住房,可享受基准利率,其余均上浮10%。其余的建设银行、潍坊银行、农业银行首套房贷利率均上浮10%,浦发银行首套房贷利率上浮5%。
在二套房方面,目前多数银行均“认贷不认房”,如果首套房贷还清的话,购买的第二套住房可享受首套房贷利率。如果首套房贷未还清,则需要首付60%,在房贷利率方面也多数上浮10%,甚至20%。
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潍坊30万元房贷每月少还43元
去年11月,央行进行了一次非对称降息。2014年11月22日,央行时隔两年多首次下调金融机构人民币贷款和存款基准利率。其中,金融机构一年期贷款基准利率下调0.4个百分点至5.6%;一年期存款基准利率下调0.25个百分点至2.75%。
百日内两次降息,对于需要贷款买房的购房者来说,此次贷款利率的下调意味着还款负担的降低。具体来看,对于采用商贷的购房者来说,此次利率调整后,按照贷款30万元、20年等额本息还款法,降息后如果按照基准利率,月供将减少43.31元,总共可省1.0395万元。
当然,如果是公积金贷款,负担也会减轻。涉及面广的5年以上公积金贷款基准利率从4.25%降至4%。
25.52%购房者或立即购房
利率降低给购房者带来切实优惠,降息后,房天下即时发布“央行降息对你购房有影响吗”大型调查,据调查结果显示,央行降息后,54.48%的人表示会受到央行降息的影响,25.52%的网友表示会积极出手,立即买房,享受新房贷利率。而57.24%的被调查网友选择继续观望,17.24%的网友表示没有买房计划。
调查显示,49.66%的被调查网友认为,央行降息并不会对潍坊房价产生多大影响,潍坊房价降继续维稳。25.52%的网友认为潍坊房价将下降,而24.83%的网友认为政府救市,一系列利好消息会促使潍坊房价上涨。
央行降息,对于房奴来说,无疑是一大好消息,而对于楼市来说会如何呢?调查显示,48.97%的网友认为央行降息对楼市没有太大影响,并不会刺激楼市。44.14%的网友则认为会促使楼市成交量激增。
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