官方公布！赶快算算房贷能省多少
<br><div class="wx_rich_media_content" id="jsWxContainer"><p style='text-align: center;line-height: normal;margin-bottom: 8px;' data-mpa-powered-by="yiban.io"><span style='font-size: 17px;'><span style='font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;letter-spacing: 2px;text-align: center;'>9月1日</span></span></p><p style='text-align: center;line-height: normal;margin-bottom: 8px;'><span style='letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;font-size: 17px;'>中国人民银行湖北省分行发布</span></p><p style='text-align: center;line-height: normal;margin-bottom: 8px;'><span style='letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;font-size: 17px;'>湖北省内各城市</span></p><p style='text-align: center;line-height: normal;margin-bottom: 8px;'><span style='letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;font-size: 17px;'>首套房贷利率下限历史调整情况</span></p><p style='text-align: center;line-height: normal;margin-bottom: 8px;'><span style='letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;font-size: 17px;'>详情如下</span></p><p style='text-align: center;line-height: normal;margin-bottom: 8px;'><span style='letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;font-size: 17px;'>↓↓↓</span></p><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='outline: 0px;text-align: center;line-height: normal;'><span style='outline: 0px;background-color: rgb(255, 255, 255);font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;font-size: 12px;letter-spacing: 1px;color: rgb(136, 136, 136);'>中国人民银行湖北省分行网站截图</span></section><p><span class="wxart_image" wx-style='display:inline-block;'></span></p><p><span class="wxart_image" wx-style='display:inline-block;'></span></p><p><span style='color: rgb(136, 136, 136);font-size: 14px;'>备注:全国首套房贷利率政策下限为：2019年10月至2022年5月为LPR，2022年5月至今为LPR-20个基点。</span></p><section style='margin-bottom: 0px;letter-spacing: 0.578px;white-space: normal;'><section style='line-height: 1.75em;'><section style='margin-top: 10px;margin-bottom: 10px;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;'><section style='display: inline-block;width: auto;vertical-align: top;border-width: 0px;flex: 100 100 0%;height: auto;align-self: flex-start;'><section powered-by="xiumi.us" style='font-size: 16px;'><section style='display: flex;flex-flow: row nowrap;'><section style='margin-right: 10px;margin-left: 10px;display: inline-block;width: auto;vertical-align: top;flex: 100 100 0%;align-self: flex-start;height: auto;line-height: 0;border-width: 0px;'><section powered-by="xiumi.us" style='display: inline-block;width: 558px;height: 8px;vertical-align: top;overflow: hidden;background-color: rgb(67, 166, 215);'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section><section style='text-align: justify;line-height: 1.75em;'><section powered-by="xiumi.us" style='padding: 20px;display: inline-block;width: 578px;vertical-align: top;border-width: 1px;border-style: solid;border-color: rgb(62, 62, 62);'><section powered-by="xiumi.us" style='line-height: 1.8;'><p style='color: rgb(90, 90, 90);letter-spacing: 1px;'><span style='font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;letter-spacing: 2px;color: rgb(62, 62, 62);outline: 0px;font-size: 17px;'>8月31日晚，中国人民银行、国家金融监督管理总局联合发布《关于降低存量首套住房贷款利率有关事项的通知》。文件明确，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以向承贷机构提出申请置换，在LPR上的加点幅度不得低于原贷款发放时所在城市首套房商业性个人住房贷款利率政策下限。</span></p><p style='color: rgb(90, 90, 90);letter-spacing: 1px;'><span style='color: rgb(62, 62, 62);outline: 0px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;letter-spacing: 2px;font-size: 17px;'><br></span></p><p><span style='font-size: 17px;'><span style='font-size: 17px;color: rgb(62, 62, 62);letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;outline: 0px;background-color: rgb(255, 255, 255);'>有业内人士表示，存量首套住房商业性个人住房贷款利率调整后，购房者财务负担会有明显下降</span><span style='font-size: 17px;outline: 0px;background-color: rgb(255, 255, 255);color: rgb(62, 62, 62);font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;letter-spacing: 2px;'>，</span><strong><span style='font-size: 17px;letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;outline: 0px;background-color: rgb(255, 255, 255);color: rgb(61, 170, 214);'>利率平均降幅约为0.8个百分点。据估算，本次调整涉及的客户可能超过4000万，涉及调整的贷款规模可能达25万亿元。</span></strong><span style='font-size: 17px;color: rgb(62, 62, 62);letter-spacing: 2px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;outline: 0px;background-color: rgb(255, 255, 255);'>以100万元、25年期、原利率5.1%的存量房贷为例，假设房贷利率降至4.3%<span style='color: rgb(62, 62, 62);font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;letter-spacing: 2px;background-color: rgb(255, 255, 255);'>，</span></span><strong><span style='font-size: 17px;background-color: rgb(255, 255, 255);letter-spacing: 2px;outline: 0px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;color: rgb(61, 170, 214);'>可节约借款人利息支出每年超5000元。</span></strong></span></p></section></section></section><section powered-by="xiumi.us" style='font-size: 16px;'><section style='display: flex;flex-flow: row nowrap;'><section style='margin-right: 10px;margin-left: 10px;display: inline-block;width: auto;vertical-align: top;flex: 100 100 0%;align-self: flex-start;height: auto;line-height: 0;border-width: 0px;'><section powered-by="xiumi.us" style='display: inline-block;width: 558px;height: 8px;vertical-align: top;overflow: hidden;background-color: rgb(67, 166, 215);'><section><svg viewBox="0 0 1 1" style='float:left;line-height:0;width:0;vertical-align:top;'></svg></section></section></section></section></section></section></section></section></section><section style='margin-bottom: 0px;letter-spacing: 0.578px;text-indent: 0em;white-space: normal;outline: 0px;text-align: center;line-height: 1.75em;'><br></section><section data-role="outer" label="edit by 135editor" style='margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;color: rgb(0, 0, 0);text-align: start;caret-color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);'><section data-role="title" data-tools="135编辑器" data-id="85616" style='outline: 0px;'><section data-role="paragraph" style='outline: 0px;'><section data-role="outer" label="edit by 135editor" style='outline: 0px;'><section powered-by="xiumi.us" style='outline: 0px;letter-spacing: 0.544px;'><section style='outline: 0px;'><section powered-by="xiumi.us" style='outline: 0px;color: rgb(124, 122, 122);letter-spacing: 0.578px;font-size: 16px;'><section style='outline: 0px;letter-spacing: 0.578px;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;letter-spacing: 0.544px;text-align: center;caret-color: rgba(0, 0, 0, 0);visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;line-height: 1.75;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;line-height: 1.75;visibility: visible;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;visibility: visible;'><section powered-by="xiumi.us" style='margin-bottom: 24px;outline: 0px;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;visibility: visible;'><section powered-by="xiumi.us" style='margin-bottom: 0em;outline: 0px;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;visibility: visible;'><section powered-by="xiumi.us" style='margin-bottom: 0em;outline: 0px;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;'><section style='outline: 0px;'><section powered-by="xiumi.us" style='margin-bottom: 0.5em;outline: 0px;'><section powered-by="xiumi.us" style='outline: 0px;'><section style='outline: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;line-height: 1.6em;'><span style='margin-bottom: 0em;outline: 0px;color: rgb(136, 136, 136);font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 15px;letter-spacing: 0.544px;'></span></section></section></section><section powered-by="xiumi.us" style='outline: 0px;display: contents;'><section style='outline: 0px;display: contents;'><section style='outline: 0px;display: contents;'><section powered-by="xiumi.us" style='outline: 0px;display: contents;'><section style='outline: 0px;display: contents;'><section style='outline: 0px;display: contents;'><section style='margin-bottom: 0em;outline: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;line-height: 1.75;'><section style='margin-bottom: 0em;outline: 0px;letter-spacing: 0.544px;visibility: visible;line-height: 1.75;text-align: left;'><span style='font-size: 12px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;letter-spacing: normal;text-align: justify;color: rgb(178, 178, 178);'>来源：湖北发布、中国人民银行湖北省分行网站</span></section><br></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p><br>转载声明：本文转载自「微孝天下」，搜索「weixiaotianxia0712」即可关注，[<a target="_blank" href="https://mp.weixin.qq.com/s/2tl7DnTSDL_gt-abSUaZJg">阅读原文</a>]。</div>
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