北京pk10官网在线直播

大白话版政策解读,LPR是啥?你的房贷利率明年会变吗?优惠还有吗?

2019-12-29 15:14 浏览人数: 大字体小字体

ZUORI(12YUE28RI)SHANGWU9DIAN,YANGXINGTONGGUOGUANWANGGONGBULEZUIXINDECUNLIANGFANGDAIDELILVZHENGCE!CONGMINGNIAN3YUE1RIKAISHI,CUNLIANGFUDONGLILVDAIKUANDEDINGJIAJIZHUNKAISHIZHUANHUANWEILPR!GUANYUCICIGONGGAOXIANGXINXUDUORENYESHIKANLEYUNLIWULI,510XIAOBIANJIUZAIZHEILIBACICICUNLIANGFANGGONG...

510房产网  [本文出自:510编辑部]

    ZUORI(12YUE28RI)SHANGWU9DIAN,YANGXINGTONGGUOGUANWANGGONGBULEZUIXINDE“CUNLIANGFANGDAI”DELILVZHENGCE!CONGMINGNIAN3YUE1RIKAISHI,CUNLIANGFUDONGLILVDAIKUANDEDINGJIAJIZHUNKAISHIZHUANHUANWEILPR!

    GUANYUCICIGONGGAOXIANGXINXUDUORENYESHIKANLEYUNLIWULI,510XIAOBIANJIUZAIZHEILIBACICICUNLIANGFANGGONGGAOYAODIANJIDAJIALINYIXIA:

此次存量房贷公告要点

    1、如果选择LPR加点利率,定价方式是:利率=LPR+加点。
    2、加点怎么定?央行规定,转化后的利率水平等于原合同最近的执行利率水平,即用现在的利率减去2019年12月相应期限LPR,就是加点的数值。加点在合同剩余期限内不变。
    3、可以约定利率随LPR浮动进行调整,调整周期最短一年。
    4、如果选择转换为固定利率,转换后利率水平应等于原合同最近的执行利率水平。
    5、以上所有,只针对商业房贷,不针对公积金。

    QISHIKANDAOZHEILI,XIANGXINDAJIAHAISHIYIZHIBANJIE,DANSHININBIEJI,KANWANZHEIXIEWENTIDAAN,XIANGXINYIQIEJIUYINGRENERJIELE~~

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、我还是搞不懂此次出的政策到底是个什么意思?
北京pk10官网在线直播 最简单易懂:你有两个选择!现在改合同,可能会涨利息,一旦涨了,你就必须跟着涨。反之,跟着降。比如你现在一个月还3000。现在市场利率降了,一个月还2900。

北京pk10官网在线直播    RUGUOMINGNIANLILVZHANGLE,NIJIUBIXUHAI3100。DANGRAN,NIYEKEYIXUANZEYIZHIBUBIAN,DANBUZAICANKAOJIZHUNLILV,JIZHUNLILVSHANGFUXIADIAODOUHENIMEIGUANXI。

    2、那政策中加点是什么意思?怎么计算出来的?
比方说,前两年打7折的,基准是4.9%,实际利率是3.43%,现在基准是4.80%,你的加点是343-490=-137,所以出来个“-137”点。今年买房上浮20%的,基准是4.9%,实际利率是5.88%,现在基准是4.80%,588-480=108,所以你的加点是“+108”点。总的来说,对广大房贷一族还是利好的。

    3、WODEFANGDAILILVSHI5.39%,2020NIANHUIJIANGMA?

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

北京pk10官网在线直播    ZHEICIGAIGEHOU,JIZHUNLILVBUZAICHENGWEICANKAOJISHU,ERSHIYILPRWEICANKAOJISHU。2020NIANNIDEFANGDAILILVRENGWEI5.39%(LPR,YEJIUSHIDAIKUANJICHULILV,XIANZAIDEBIAOZHUNSHIMEIYUE20RIGONGBU。2019NIAN12YUEGONGBUDE5NIANQIYISHANGDELPRSHI4.8%。NIDEJIADIANFUDUSHI0.59GEBAIFENDIAN)。DAOLE2021NIAN,NIDEFANGDAILILVJIANGBIANWEI2020NIAN12YUEDELPR+0.59%。ZHEIGE0.59%ZAINIYIHOUDEDAIKUANSHENGYUQIXIANNEISHIGUDINGDE,BIANHUADESHILPR。

   4、WODEFANGDAISHIXIAFUDE,ZHEIGEYOUHUIHAIYOUMA?

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

北京pk10官网在线直播    5、WOSHIGONGJIJINDAIKUAN,YEXUYAOGAIMA?

    ZHEICIYANGXINGLILVGAIGE,BUSHEJIGONGJIJINDAIKUAN。SUOYIRUGUONIDEFANGDAISHIGONGJIJINDAIKUANHUOZUHEDAIKUAN,NEIMEGONGDAIHEZUHEDAIZHONGDEGONGDAIZHEICISHIBUYONGGAIDE。

北京pk10官网在线直播    6、WOXUYAOGAIFANGDAIJISUANFANGSHIMA?HAISHIYONGGUDINGLILV?

北京pk10官网在线直播    FANGDAILILVGAIGEHOU,CUNLIANGDEFUDONGLILVFANGDAIYOULIANGZHONGGAIBIANFANGSHI,YIZHONGSHILPR+FUDONGDIANSHU,LINGWAIYIZHONGSHIGUDINGLILV。GENJUDUOSHUZHUANJIADESHUOFA,WOGUODELILVSHUIPINGCONGZHANGQILAIKANSHIWANGXIAZOUDE。XIANGRIBENHEMEIGUO,XIANZAILILVDOUFEICHANGDI,YOUXIEGUOJIAHAISHILINGLILVHUOFULILV。WOGUODEFANGDAIMUQIANDOUSHIZHANGDAERSANSHINIANDE,SUOYIZHANGQILAIKAN,LILVSHIXIAXINGDE。RUGUONIDEFANGDAISHENGYUQIJIANCHAOGUO10NIAN,ANZHAOLPRLAIGAIBIANDAGAILVSHIGENGHESUANDE。JISHICONGDUANQILAIKAN,MINGHOULIANGNIANWOGUOJIAXIDEGAILVYESHIFEICHANGDIDE,SUOYIGUDINGLILVDAGAILVSHIJISHAOSHURENDEXUANZE。

北京pk10官网在线直播    7、WORUGUOTONGYIXIUGAIWEILPR,NEIMEDAODISHIZHUANLEHAISHIKUILE?         

北京pk10官网在线直播    ZONGJIERUXIA:JIASHEDANGCHUNIDEFANGDAILILVSHIYOUZHEKOUDE,RUGUOWEILAIJIZHUNLILVXIAJIANG,XINGUIZEXIA,SHILIHAO,RUGUOJIZHUNLILVSHANGZHANG,ZEBUHUASUAN。

    JIASHENIDEFANGDAILILVDANGCHUSHISHANGFUDE,RUGUOJIZHUNLILVXIAJIANG,NEIMEXINGUIZEXIA,BUHUASUAN,RUGUOJIZHUNLILVSHANGZHANG,ZEFEICHANGHUASUAN。

北京pk10官网在线直播    7、NEIRUGUOYINXINGLIANXIWOZHIHOU,WOGAIZABAN?

北京pk10官网在线直播    DIYIGESHI,XUANZEGUDINGLILV。FANGDAILILVYUNIDANGQIANDELILVSHUIPINGBAOCHIBUBIAN,YIHOUYEBUGUANLPRLILVZENMEBIANHUA,NIDEFANGDAILILVDOUBUBIAN;

    DIERGESHI,XUANZEFUDONGLILV。FANGDAILILVGENJULPRDEBIANDONGERBIANHUA,LPRJICHULILVSHIMEIGEYUEDIAOZHENGYICI。DANGRANGOUFANGZHEDEDAIKUANBUHUIMEIGEYUEDIAOZHENGDE,KE1NIANDIAOZHENGYICI,YEYEKE30NIANBAOCHIBUBIAN。

    所以,怎么选?

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

北京pk10官网在线直播    2、GUDINGHEFUDONGLILVLIANGZHONGMOSHIZHONG,YINWEIDANGXIACHUYUJIANGXIZHOUQI,LPRZAIZUIJIN3-5NIANDAGAILVXIAXING,SUOYI,YOUXUANFUDONGLILV。LILVSUILPRDIAOZHENGDEZHOUQIYUEXIAOYUEHAO,ZUIHAOXUANZEYINIANDIAOZHENGYICI。

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