存量首套房贷利率，降了！
<p style="margin: 0px 16px; 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; text-align: center; white-space: normal; background-color: rgb(255, 255, 255); line-height: 2em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">8月31日，《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》发布。全文如下：</span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">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</strong></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">二、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。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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">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></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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: right;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">中国人民银行</span></p><p style="margin: 0px 16px;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: right;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">国家金融监督管理总局</span></p><p style="margin: 0px 16px;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: right;line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">2023年8月31</span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">新闻多看点</strong></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">中国人民银行、</span><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">金融监管总局8月31日联合发布《关于调整优化差别化住房信贷政策的通知》和《</span><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">关于降低存量首套住房贷款利率有关事项的通知》。有关负责同志就政策调整回答了记者提问。<br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;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;text-align: justify;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;box-sizing: border-box !important;overflow-wrap: break-word !important"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></p><p><br/></p><section style="margin: 0px 0px 24px;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-align: justify;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-role="outer" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-width="100%" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-autoskip="1" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">问:差别化住房信贷政策调整优化的背景是什么？</strong></span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(0, 122, 170);font-size: 16px;letter-spacing: 1px"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></strong></span></p></section><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">答：</strong></span><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">7月24日中央政治局会议明确，适应我国房地产市场供求关系发生重大变化的新形势，适时调整优化房地产政策，因城施策用好政策工具箱。7月31日国务院常务会议提出，根据不同需求、不同城市等推出有利于房地产市场平稳健康发展的政策举措，加快研究构建房地产业新发展模式。</span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">为贯彻落实党中央、国务院决策部署，中国人民银行、金融监管总局发布通知，对现行差别化住房信贷政策进行了调整优化，支持各地因城施策用好政策工具箱，引导个人住房贷款实际首付比例和利率下行，更好满足刚性和改善性住房需求。</span></p></section></section></section></section></section></section></section></section><section data-role="paragraph" style="margin: 0px 0px 24px;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-align: justify;white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-role="outer" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-width="100%" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-autoskip="1" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">问:此次差别化住房信贷政策调整优化的重点是什么？</strong></span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(0, 122, 170);font-size: 16px;letter-spacing: 1px"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></strong></span></p></section><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">答：</strong></span><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">一是统一全国商业性个人住房贷款最低首付款比例政策下限。不再区分实施“限购”城市和不实施“限购”城市，首套住房和二套住房商业性个人住房贷款最低首付款比例政策下限统一为不低于20%和30%。 </span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><br/></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">二是将二套住房利率政策下限调整为不低于相应期限贷款市场报价利率（LPR）加20个基点。首套住房利率政策下限仍为不低于相应期限LPR减20个基点。</span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">各地可按照因城施策原则，根据当地房地产市场形势和调控需要，自主确定辖区内首套和二套住房最低首付款比例和利率下限。</span></p></section></section></section></section></section></section></section></section><section data-role="paragraph" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-role="outer" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-width="100%" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></p></section><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-autoskip="1" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">问:为什么要降低存量首套住房贷款利率？</strong></span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(0, 122, 170);font-size: 16px;letter-spacing: 1px"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></strong></span></p></section><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">答：</strong></span><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">近年来我国房地产市场供求关系发生了重大变化，借款人和银行对于有序调整优化资产负债均有诉求。存量住房贷款利率的下降，对借款人来说，可节约利息支出，有利于扩大消费和投资。对银行来说，可有效减少提前还贷现象，减轻对银行利息收入的影响。同时，还可压缩违规使用经营贷、消费贷置换存量住房贷款的空间，减少风险隐患。为更好适应上述新形势，中国人民银行、金融监管总局明确按照市场化、法治化原则，支持鼓励银行与借款人协商调整存量首套住房贷款利率。</span></p></section></section></section></section></section></section></section></section><section data-role="paragraph" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></p><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-role="outer" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-width="100%" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section data-autoskip="1" style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">问:哪些存量首套住房贷款可以申请降低利率？如何申请？ </strong></span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;color: rgb(0, 122, 170);font-size: 16px;letter-spacing: 1px"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></strong></span></p></section><section style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px;color: rgb(27, 55, 94)"><strong style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important">答：</strong></span><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">符合条件的存量首套住房贷款是指，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></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><br/></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">对于符合条件的存量住房贷款，自2023年9月25日起，可由借款人主动向承贷银行提出申请，也鼓励银行以发布公告、批量办理等方式，为借款人提供更为便利的服务。调整方式上，既可以变更合同约定的住房贷款利率加点幅度，也可以由银行新发放贷款置换存量贷款。具体利率调整幅度由借贷双方协商确定，但调整后的利率，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。新发放贷款只能用于偿还存量贷款，仍纳入商业性个人住房贷款管理。</span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px"><br style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important"/></span></p><p style="margin: 0px 16px;padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;clear: both;min-height: 1em;line-height: 2em"><span style=";padding: 0px;outline: 0px;max-width: 100%;box-sizing: border-box !important;overflow-wrap: break-word !important;font-size: 16px;letter-spacing: 1px">中国人民银行、金融监管总局将密切关注市场动态，引导银行与客户遵循市场化、法治化原则进行自主协商，有序降低存量住房贷款利率，维护好市场竞争秩序。</span></p></section></section></section></section></section></section></section></section></section></section></section><p><br/></p><section style="overflow-wrap: break-word; max-width: 100%; color: rgb(67, 74, 84); font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; letter-spacing: 1px; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box; margin-bottom: 0px;"><section powered-by="xiumi.us" style="overflow-wrap: break-word; max-width: 100%; margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;"><section style="overflow-wrap: break-word; max-width: 100%; height: 1px; background-color: rgb(160, 160, 160); box-sizing: border-box; line-height: 0;"><br style="overflow-wrap: break-word;"/></section></section></section><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; white-space: normal; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px;">来</span><span style="overflow-wrap: break-word; letter-spacing: 0.544px;">源：“中国人民银行”微信公众号 中国新闻网 武汉发布<span style="overflow-wrap: break-word; letter-spacing: 1px;"></span></span></span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; white-space: normal; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">制作：舒畅 | </span><span style="overflow-wrap: break-word; color: rgb(136, 136, 136); letter-spacing: 0.544px;">编辑：方丹 熊霞 | </span><span style="overflow-wrap: break-word; letter-spacing: 0.544px; color: rgb(136, 136, 136);">责编：方军</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; white-space: normal; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="color: rgb(136, 136, 136); max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px; max-width: 100%; line-height: 19.2pt;"><span style="overflow-wrap: break-word; font-weight: 700; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">出品：</span></span>蔡甸区融媒体中心</span></span></span></span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; white-space: normal; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; text-align: center; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">您有新闻线索，请联系我们：</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; white-space: normal; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">新闻热线：027-84942678</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; white-space: normal; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">投稿邮箱：2187431778@qq.com</span></p><link rel="stylesheet" href="//bbs.whcdrm.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_g3y" id="wcn_editor_css"/>
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