北京pk10官网在线直播

突发重磅!所有房贷客户都要注意,20年3月1日起,存量房贷也要调整~~

2019-12-28 19:00 浏览人数: 大字体小字体

2020NIAN3YUE1RIQI,CUNLIANGFANGDAIYEYAODIAOZHENG~~

510房产网  [本文出自:510编辑部]

重磅!

JINTIAN(12YUE28RI)ZAOSHANG9DIAN

YANGXINGTONGGUOGUANWANGGONGBULEZUIXINDE“CUNLIANGFANGDAI”DELILVZHENGCE!

从明年3月1日开始

存量浮动利率贷款的定价基准开始转换为LPR!

北京pk10官网在线直播   

    此次央行出台的LPR新政,具体来说有以下4点:

北京pk10官网在线直播    1、2020NIANDE“SHANGYEXINGGERENZHUFANGCUNLIANGDAIKUAN”BAOCHILILVBUBIAN!2019NIANSHISHENMELILV,2020NIANYIJIUYUANYANGZHIXING;

    2、2021NIANKAISHI,GERENFANGDAILILVCANZHAO“LILVZHONGDINGJIARI”ZUIJINDEYICILPRHE“JIADIAN”ZHIHEZHIXING;

    3、SHANGYEXINGGERENZHUFANGDAIKUANZHONGXINYUEDINGDEZHONGDINGJIAZHOUQI,ZUIDUANWEI1NIAN。YEJIUSHISHUO,YIHOUFANGDAILILVZHINENG1NIAN1BIAN;

北京pk10官网在线直播    4、10YUE8RIHOUQIANSHUDEDAIKUAN,YIJINGANZHAOLPRDINGJIADEFANGDAI,ANYUANYOUHETONGYUEDINGZHIXING,BUSHOUCICIZHENGCEYINGXIANG;

    5、ZHENGCEYU2020NIAN3YUE1RIQISHISHI;

    与现行LPR房贷政策最大的不同是:

    1、2020NIANZHEICILILVZHONGXINDINGJIA,NIDESHIJIDAIKUANLILVBUBIAN。

    2、YINXINGHUIGAOSUYIGE“JIADIAN”SHU,TIDAIZHIQIANDESHANGFUBILI。

北京pk10官网在线直播    3、DAOLE2021NIAN,RUGUOLPRJIANGXILE,NEIMENIDEFANGDAILILVYEHUIJIANGXI,YINWEI“JIADIAN”DESHUZHIBEIGUDINGLE!

 

(XINBANLPRSHISHIYILAILICIBAOJIA)

公告原文如下

    WEISHENHUALILVSHICHANGHUAGAIGE,JINYIBUTUIDONGDAIKUANSHICHANGBAOJIALILV(LPR)YUNYONG,XIANJIUCUNLIANGFUDONGLILVDAIKUANDEDINGJIAJIZHUNZHUANHUANWEILPRYOUGUANSHIYIGONGGAORUXIA:

    YI、BENGONGGAOSUOCHENGCUNLIANGFUDONGLILVDAIKUAN,SHIZHI2020NIAN1YUE1RIQIANJINRONGJIGOUYIFAFANGDEHEYIQIANDINGHETONGDANWEIFAFANGDECANKAODAIKUANJIZHUNLILVDINGJIADEFUDONGLILVDAIKUAN(BUBAOKUOGONGJIJINGERENZHUFANGDAIKUAN)。ZI2020NIAN1YUE1RIQI,GEJINRONGJIGOUBUDEQIANDINGCANKAODAIKUANJIZHUNLILVDINGJIADEFUDONGLILVDAIKUANHETONG。

    ER、ZI2020NIAN3YUE1RIQI,JINRONGJIGOUYINGYUCUNLIANGFUDONGLILVDAIKUANKEHUJIUDINGJIAJIZHUNZHUANHUANTIAOKUANJINXINGXIESHANG,JIANGYUANHETONGYUEDINGDELILVDINGJIAFANGSHIZHUANHUANWEIYILPRWEIDINGJIAJIZHUNJIADIANXINGCHENG(JIADIANKEWEIFUZHI),JIADIANSHUZHIZAIHETONGSHENGYUQIXIANNEIGUDINGBUBIAN;YEKEZHUANHUANWEIGUDINGLILV。DINGJIAJIZHUNZHINENGZHUANHUANYICI,ZHUANHUANZHIHOUBUNENGZAICIZHUANHUAN。YICHUYUZUIHOUYIGEZHONGDINGJIAZHOUQIDECUNLIANGFUDONGLILVDAIKUANKEBUZHUANHUAN。CUNLIANGFUDONGLILVDAIKUANDINGJIAJIZHUNZHUANHUANYUANZESHANGYINGYU2020NIAN8YUE31RIQIANWANCHENG。

北京pk10官网在线直播    SAN、CUNLIANGFUDONGLILVDAIKUANDINGJIAJIZHUNZHUANHUANWEILPR,CHUSHANGYEXINGGERENZHUFANGDAIKUANWAI,JIADIANSHUZHIYOUJIEDAISHUANGFANGXIESHANGQUEDING。SHANGYEXINGGERENZHUFANGDAIKUANDEJIADIANSHUZHIYINGDENGYUYUANHETONGZUIJINDEZHIXINGLILVSHUIPINGYU2019NIAN12YUEFABUDEXIANGYINGQIXIANLPRDECHAZHI。CONGZHUANHUANSHIDIANZHICIHOUDEDIYIGEZHONGDINGJIARI(BUHAN),ZHIXINGDELILVSHUIPINGYINGDENGYUYUANHETONGZUIJINDEZHIXINGLILVSHUIPING,JI2019NIAN12YUEXIANGYINGQIXIANLPRYUGAIJIADIANSHUZHIZHIHE。ZHIHOU,ZIDIYIGEZHONGDINGJIARIQI,ZAIMEIGELILVZHONGDINGJIARI,LILVSHUIPINGYOUZUIJINYIGEYUEXIANGYINGQIXIANLPRYUGAIJIADIANSHUZHIZHONGXINJISUANQUEDING。

    SI、JINRONGJIGOUYUKEHUXIESHANGDINGJIAJIZHUNZHUANHUANTIAOKUANSHI,KEZHONGXINYUEDINGZHONGDINGJIAZHOUQIHEZHONGDINGJIARI,QIZHONGSHANGYEXINGGERENZHUFANGDAIKUANZHONGXINYUEDINGDEZHONGDINGJIAZHOUQIZUIDUANWEIYINIAN。

    WU、RUCUNLIANGFUDONGLILVDAIKUANZHUANHUANWEIGUDINGLILV,ZHUANHUANHOUDELILVSHUIPINGYOUJIEDAISHUANGFANGXIESHANGQUEDING,QIZHONGSHANGYEXINGGERENZHUFANGDAIKUANZHUANHUANHOULILVSHUIPINGYINGDENGYUYUANHETONGZUIJINDEZHIXINGLILVSHUIPING。

北京pk10官网在线直播    LIU、JINRONGJIGOUYINGLIYONGGUANFANGWANGZHANHEWANGDIANGONGGAO、DIANHUA、DUANXIN、YOUJIANHESHOUJIYINXINGDENGQUDAOTONGZHICUNLIANGFUDONGLILVDAIKUANKEHU,XIESHANGYUEDINGDINGJIAJIZHUNZHUANHUANJUTISHIXIANG,YIFAHEGUIBAOZHANGJIEKUANRENHETONGQUANLIHEXIAOFEIZHEQUANYI。

北京pk10官网在线直播    QI、ZHONGGUORENMINYINXINGFENZHIJIGOUYINGJIAQIANGDUIDIFANGFARENJINRONGJIGOUDEZHIDAO,QUEBAODIFANGFARENJINRONGJIGOUANZHAOTONGYIBUSHU,TUOSHANZUOHAOCUNLIANGFUDONGLILVDAIKUANDINGJIAJIZHUNZHUANHUANGONGZUO。

此次存量房贷公告要点

    1、RUGUOXUANZELPRJIADIANLILV,DINGJIAFANGSHISHI:LILV=LPR+JIADIAN。

    2、JIADIANZENMEDING?YANGXINGGUIDING,ZHUANHUAHOUDELILVSHUIPINGDENGYUYUANHETONGZUIJINDEZHIXINGLILVSHUIPING,JIYONGXIANZAIDELILVJIANQU2019NIAN12YUEXIANGYINGQIXIANLPR,JIUSHIJIADIANDESHUZHI。JIADIANZAIHETONGSHENGYUQIXIANNEIBUBIAN。

    3、KEYIYUEDINGLILVSUILPRFUDONGJINXINGDIAOZHENG,DIAOZHENGZHOUQIZUIDUANYINIAN。

    4、RUGUOXUANZEZHUANHUANWEIGUDINGLILV,ZHUANHUANHOULILVSHUIPINGYINGDENGYUYUANHETONGZUIJINDEZHIXINGLILVSHUIPING。

    5、YISHANGSUOYOU,ZHIZHENDUISHANGYEFANGDAI,BUZHENDUIGONGJIJIN。

    所以,怎么选?

北京pk10官网在线直播    1、BIEXIANGHEYINXINGJIUJIADIANDEDUOSHAOLAIJINXINGTANPANLE,NIDEJIADIANYIJINGBEIYANGXINGANPAIDEMINGMINGBAIBAI。YAOXIANGJIANGDIJIADIAN,CHUFEIHAIDIAODANGXIADAIKUANZHONGXINSHENQINGYICIFANGDAI。

    2、GUDINGHEFUDONGLILVLIANGZHONGMOSHIZHONG,YINWEIDANGXIACHUYUJIANGXIZHOUQI,LPRZAIZUIJIN3-5NIANDAGAILVXIAXING,SUOYI,YOUXUANFUDONGLILV。LILVSUILPRDIAOZHENGDEZHOUQIYUEXIAOYUEHAO,ZUIHAOXUANZEYINIANDIAOZHENGYICI。

LPR时代,我的房贷利率明年会变吗?房贷优惠还有吗?答案在这里

    1、WODEFANGDAILILVSHI5.39%,2020NIANHUIJIANGMA?

北京pk10官网在线直播    MUQIANFANGDAIDELILVDIAOZHENGPUBIANSHIANZHAOYINIANYIHUAN。YIQIANSHIANZHAOJIZHUNLILVLAI,YEJIUSHISHUORUGUOYANGXINGZAI2018NIANJIANGXIHUOSHENGXI,2018NIANDEFANGDAILILVRENGWEI2017NIANDEJIZHUNLILVJIAFUDONGDIANSHUJINXINGQUEDING。DEDENGDAO2019NIAN1YUE1RI,FANGDAICAINENGANZHAO2018NIANJIANGXI/JIAXIHOUDEJIZHUNLILVJIAFUDONGDIANSHULAIJISUAN。

    ZHEICIGAIGEHOU,JIZHUNLILVBUZAICHENGWEICANKAOJISHU,ERSHIYILPRWEICANKAOJISHU。2020NIANNIDEFANGDAILILVRENGWEI5.39%(LPR,YEJIUSHIDAIKUANJICHULILV,XIANZAIDEBIAOZHUNSHIMEIYUE20RIGONGBU。2019NIAN12YUEGONGBUDE5NIANQIYISHANGDELPRSHI4.8%。NIDEJIADIANFUDUSHI0.59GEBAIFENDIAN)。DAOLE2021NIAN,NIDEFANGDAILILVJIANGBIANWEI2020NIAN12YUEDELPR+0.59%。ZHEIGE0.59%ZAINIYIHOUDEDAIKUANSHENGYUQIXIANNEISHIGUDINGDE,BIANHUADESHILPR。

    2、WODEFANGDAISHIXIAFUDE,ZHEIGEYOUHUIHAIYOUMA?

    DAANSHIKENDINGDE,JIADIANJIKEYISHIZHENGSHU,YEKEYISHIFUSHU。BIRUNIDEFANGDAIYIQIANSHIDAJIUZHE,NEIME2020NIANHAISHIDAJIUZHE。ZAIWANGHOU,NIDEJIADIANFUDURENGSHIFUSHU,ZHEIGEFUSHUSHIGUDINGDE,BUHUIZAIBIANLE。NIDEFANGDAIZHENGTILILVANZHAOMEINIAN12YUEDELPR-JIADIANFUDULAIQUEDING。

北京pk10官网在线直播    3、WOSHIGONGJIJINDAIKUAN,YEXUYAOGAIMA?

北京pk10官网在线直播    ZHEICIYANGXINGLILVGAIGE,BUSHEJIGONGJIJINDAIKUAN。SUOYIRUGUONIDEFANGDAISHIGONGJIJINDAIKUANHUOZUHEDAIKUAN,NEIMEGONGDAIHEZUHEDAIZHONGDEGONGDAIZHEICISHIBUYONGGAIDE。

    4、WOXUYAOGAIFANGDAIJISUANFANGSHIMA?HAISHIYONGGUDINGLILV?

    FANGDAILILVGAIGEHOU,CUNLIANGDEFUDONGLILVFANGDAIYOULIANGZHONGGAIBIANFANGSHI,YIZHONGSHILPR+FUDONGDIANSHU,LINGWAIYIZHONGSHIGUDINGLILV。GENJUDUOSHUZHUANJIADESHUOFA,WOGUODELILVSHUIPINGCONGZHANGQILAIKANSHIWANGXIAZOUDE。XIANGRIBENHEMEIGUO,XIANZAILILVDOUFEICHANGDI,YOUXIEGUOJIAHAISHILINGLILVHUOFULILV。WOGUODEFANGDAIMUQIANDOUSHIZHANGDAERSANSHINIANDE,SUOYIZHANGQILAIKAN,LILVSHIXIAXINGDE。RUGUONIDEFANGDAISHENGYUQIJIANCHAOGUO10NIAN,ANZHAOLPRLAIGAIBIANDAGAILVSHIGENGHESUANDE。JISHICONGDUANQILAIKAN,MINGHOULIANGNIANWOGUOJIAXIDEGAILVYESHIFEICHANGDIDE,SUOYIGUDINGLILVDAGAILVSHIJISHAOSHURENDEXUANZE。

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