明天起，六大商业银行实施存量房贷利率新机制
<p style="text-align: center;"></p><p><br/></p><section style="text-align: center;margin-top: 16px;"><span style="letter-spacing: 0.578px; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">今天（10月31日）</span></section><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">工商银行、农业银行、中国银行</span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">建设银行、交通银行、邮储银行</span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">六大商业银行发布公告</span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><strong><span style="color: rgb(61, 170, 214);">将从明天（11月1日）起</span></strong></span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><strong><span style="color: rgb(61, 170, 214);">陆续对商业性个人住房贷款利率</span></strong></span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><strong><span style="color: rgb(61, 170, 214);">实行新的定价机制</span></strong></span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">这也意味着</span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">中国人民银行一个月前发布的</span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">完善商业性个人住房贷款</span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">利率定价机制要求</span></p><p data-source="cke" style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">即将正式落地</span></p><p data-source="cke"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;"><br/></span></p><p></p><section style="margin-bottom: 0px;"><section powered-by="xiumi.us" style="margin-top: 5px;margin-bottom: 10px;"><section style="width: 578px;height: 5px;background-color: rgb(56, 164, 218);"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin-bottom: 10px;line-height: 1.75em;"><section style="padding: 16px 20px;display: inline-block;width: 578px;vertical-align: top;background-color: rgba(199, 230, 255, 0.33);"><section powered-by="xiumi.us" style="font-size: 17px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;"><p><span style="color: rgba(0, 0, 0, 0.9);letter-spacing: 0.034em;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: 16px;">根据公告，对于以浮动利率，也就是贷款市场报价利率（LPR）加减点报价的存量个人房贷，当它的利率加点值高于全国新发放个人房贷利率平均加点值30个基点时，借款人可以向银行申请调整房贷利率LPR加点值，调整后的加点为全国新发放个人房贷利率平均加点值加30个基点。全国新发放个人房贷利率平均加点值为人民银行最新发布的全国新发放个人房贷加权平均利率减去对应季度五年期以上LPR均值。如果所在地区有个人房贷利率政策下限，则最终加点值不能低于所在城市房贷利率加点政策下限。</span></p><p><br/></p><p><span style="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: 16px;"><span style="color: rgba(0, 0, 0, 0.9);letter-spacing: 0.034em;">另外，对于此前不少贷款人认为房贷利率重定价周期统一为一年，不能及时反映市场供需变化，容易造成新老房贷利差过大等情况，</span><strong><span style="color: rgb(61, 170, 214);">六大银行的公告明确取消了房贷利率重定价周期最短为一年的限制。</span></strong><strong style="color: rgba(0, 0, 0, 0.9); letter-spacing: 0.034em;"></strong><span style="color: rgba(0, 0, 0, 0.9);letter-spacing: 0.034em;">贷款人可以随时向银行提出将重定价周期调整为三个月或六个月，当然还可以保持为一年。需要注意的是，在整个还款周期里，房贷利率重定价周期只能调整一次。这也意味着：</span></span></p><p><span style="color: rgba(0, 0, 0, 0.9);letter-spacing: 0.034em;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: 16px;"><br/></span></p><ul class=" list-paddingleft-2"><li><p><span style="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: 16px;"><strong><span style="letter-spacing: 0.034em;">如果贷款人认为未来贷款利率将下行，那么将房贷利率重定价周期调整为三个月，就可能更早地享受到贷款市场报价利率（LPR）下调带来的优惠；</span></strong></span></p><p><br/></p></li><li><p><strong style="font-size: 16px;"><span style="letter-spacing: 0.034em;">如果贷款人认为未来贷款利率将上涨，那么将房贷利率重定价周期保持为一年，自己的房贷利率跟随贷款市场报价利率（LPR）上涨就可能会更晚一些。</span></strong></p></li></ul></section></section></section></section><section style="text-align: center;margin-top: 16px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">除了六大商业银行之外</span></section><p></p><p style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">其它商业银行近期也将陆续发布公告</span></p><p style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">明确新的个人房贷利率定价机制</span></p><p style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">商业性个人住房贷款利率</span></p><p style="text-align: center;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">实行新的定价机制以后</span></p><p></p><section style="text-align: center;margin-bottom: 16px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;">人民银行将不再统一调整存量房贷利率</span></section><section style="margin-bottom: 0px;outline: 0px;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;background-color: rgb(255, 255, 255);line-height: 1.75em;"><section style="margin-top: 10px;margin-bottom: 10px;outline: 0px;display: flex;flex-flow: row;"><section style="outline: 0px;display: inline-block;width: auto;vertical-align: middle;background-image: linear-gradient(to right, rgb(87, 174, 236) 0%, rgb(160, 208, 249) 100%);line-height: 2;flex: 100 100 0%;align-self: center;height: auto;"><section powered-by="xiumi.us" style="padding-right: 26px;padding-left: 26px;outline: 0px;color: rgb(241, 248, 255);letter-spacing: 1px;"><p style="outline: 0px;"><span style="outline: 0px; font-family: Helvetica Neue, Helvetica, Hiragino Sans GB, Microsoft YaHei, Arial, sans-serif; letter-spacing: 2px;"><strong style="outline: 0px;"><span style="outline: 0px;letter-spacing: 0.578px;">延伸阅读</span></strong></span></p></section></section></section></section><section style="margin-bottom: 0px;outline: 0px;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;background-color: rgb(255, 255, 255);line-height: 1.75em;"><section powered-by="xiumi.us" style="padding: 5px 20px 15px;outline: 0px;display: inline-block;width: 578px;vertical-align: top;border-style: none solid solid;border-width: 5px;border-color: rgb(116, 185, 240) rgba(116, 185, 240, 0.79) rgba(116, 185, 240, 0.79);"><section powered-by="xiumi.us" style="outline: 0px;color: rgb(94, 94, 94);line-height: 1.8;letter-spacing: 1px;"><section style="outline: 0px;letter-spacing: 0.578px;line-height: 1.75em;"><span style="letter-spacing: 0.578px; text-decoration-style: solid; text-decoration-color: rgb(94, 94, 94); color: rgb(0, 0, 0);">中国人民银行9月底发布公告，为更好地体现市场供求变化，维护借贷双方的合法权益，将从11月1日起，完善商业性个人住房贷款利率定价机制。完善的重点一个是浮动利率商业性个人住房贷款与全国新发放商业性个人住房贷款利率偏离达到一定幅度时，借款人可与银行协商变更房贷利率在LPR基础上的加点幅度。而另一个重点就是取消房贷利率重定价周期最短为一年的限制。</span></section></section></section></section><p></p><p><br/></p><section style="max-width: 100%; color: rgb(67, 74, 84); font-family: 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break-word; margin-top: 0px; margin-bottom: 0px; padding: 0px; color: rgb(67, 74, 84); font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255);"><span style="color: rgb(136, 136, 136); letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; overflow-wrap: break-word;">来源：</span><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; overflow-wrap: break-word !important; box-sizing: border-box !important;">湖北发布 央视新闻 </span><br/></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; 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: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">制作：方筱玥 | </span><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; overflow-wrap: break-word !important; box-sizing: border-box !important;">编辑：熊霞 | </span><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); overflow-wrap: break-word !important; box-sizing: border-box !important;">责编：方军</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; color: rgb(67, 74, 84); font-size: 14px; text-wrap: wrap; background-color: rgb(255, 255, 255); -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; 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: normal; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="-webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; font-weight: 700; -webkit-tap-highlight-color: transparent; margin: 0px; padding: 0px; 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