多家银行发布公告：10月25日起，批量下调！
<div class="wx_rich_media_content" id="jsWxContainer"><section data-mpa-powered-by="yiban.io"><section powered-by="xiumi.us" style="display: flex;width: 578px;flex-flow: column;"><section style="margin-bottom: -25px;text-align: center;justify-content: center;display: flex;flex-flow: row;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgba(255, 255, 255, 0);"><p><strong style="outline: 0px;background-color: rgb(255, 255, 255);letter-spacing: 2px;caret-color: rgb(255, 0, 0);color: rgb(0, 122, 170);font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;visibility: visible;"><span class="wxart_image" wx-style="display:inline-block;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;font-size: var(--articleFontsize);letter-spacing: 0.544px;color: rgb(51, 51, 51);visibility: visible !important;width: 677px !important;height: auto !important;"><br></span></strong></p><section style="margin-top: 16px;"><span style="font-size: 16px;letter-spacing: 1px;background-color: rgba(255, 255, 255, 0);">今天（10月12日）</span><br></section><p><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">工商银行、农业银行、中国银行</span></p><p><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">建设银行等多家银行发布公告</span></p><p><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(61, 170, 214);">10月25日起</span></strong></span></p><section style="margin-bottom: 16px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(61, 170, 214);">将对存量个人房贷利率进行批量调整</span></strong></span></section><section style="margin-bottom: 0px;font-size: 16px;"><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;text-align: justify;"><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="letter-spacing: 1px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(0, 0, 0);font-size: 16px;text-decoration: none solid rgb(0, 0, 0);">除北京、上海、深圳三个城市，由于首套房和二套房的贷款利率下限不同，存量房贷利率调整有所不同以外，</span><strong><span style="text-decoration: none solid rgb(0, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;color: rgb(61, 170, 214);">全国其他地区无论首套房还是二套房，存量房贷利率都将调整为贷款市场报价利率LPR-30BP。</span></strong></span></p><p><span style="text-decoration: none solid rgb(0, 0, 0);color: rgb(0, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><br></span></p><p><span style="text-decoration: none solid rgb(0, 0, 0);color: rgb(0, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">如果贷款人的存量房贷利率已经低于贷款市场报价利率LPR-30BP，将不会进行调整。而对于固定利率存量房贷，则需要先行转换为贷款市场报价利率LPR加减点的浮动利率，之后银行就会直接进行调整。对有逾期房贷的客户，不在这次批量调整中。</span></p><p><span style="color: rgb(0, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><br></span></p></section><section><span style="letter-spacing: 1px;"><strong><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;color: rgb(61, 170, 214);">多家银行明确，存量房贷利率调整将由银行统一进行批量调整，不需要客户提出申请。</span></strong><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(0, 0, 0);font-size: 16px;text-decoration: none solid rgb(61, 170, 214);">存量房贷利率调整过程中，银行不收取任何费用。</span></span></section><section><span style="color: rgb(0, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><br></span></section><section><span style="letter-spacing: 1px;"><span style="font-size: 16px;text-decoration: none solid rgba(0, 0, 0, 0.9);">这次存量房贷利率的调整只针对商业性个人住房贷款，商用房，包括商住两用房、商铺的贷款，不在这次调整范围之内。</span>这次存量房贷利率调整不涉及公积金贷款，但是公积金组合贷中的商业性个人住房贷款部分，也会进行调整。 </span></section></section></section></section><section><br></section></section></section></section><section powered-by="xiumi.us"><section><section><section><br></section><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);color: rgb(34, 34, 34);text-align: left;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;color: rgb(255, 255, 255);visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;outline: 0px;visibility: visible;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">工商银行</span></strong></span></p><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;outline: 0px;visibility: visible;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">调整存量房贷利率</span></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><br></span></section></section></section></section></section></section></section><span style="display: none;line-height: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"></span><section powered-by="xiumi.us" style="display: flex;width: 578px;flex-flow: column;" class="wxw_wechannel_card_not_horizontal"><section style="margin-bottom: -25px;justify-content: center;display: flex;flex-flow: row;text-align: justify;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgba(255, 255, 255, 0);"><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;display: none;line-height: 0px;"></span>率先在其APP发布存量房贷利率批量调整细则的中国工商银行，今天也正式在其官网发布关于批量调整存量个人住房贷款利率的公告。<span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;display: none;line-height: 0px;"></span></span></section><span style="display: none;line-height: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"></span><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;visibility: visible;"><br style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;visibility: visible;padding: 0px 0.5em;"><span class="wxart_image" wx-style="display:inline-block;-webkit-tap-highlight-color: transparent;outline: 0px;box-shadow: rgb(210, 210, 210) 0em 0em 0.5em 0px;font-size: 17px;width: 577.984px !important;visibility: visible !important;height: auto !important;"></span></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span><o:p style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span></o:p></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">公告称，调整规则如下：北京、上海、深圳等地区利率高于LPR-30BP的首套房贷和其他地区利率高于LPR-30BP的全部存量房贷统一调整至LPR-30BP。北京、上海、深圳等地区二套房贷利率高于相应政策下限的统一调整至当地相应政策下限。</span><o:page style="-webkit-tap-highlight-color: transparent;outline: 0px;"></o:page></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span><o:p style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span></o:p></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">对于固定利率和基准利率的房贷，需客户先提出申请转成浮动利率，以最近一个月贷款市场报价利率（LPR）转换为加点形式，转换后如利率水平高于LPR-30BP,再将加点幅度调整至上述下限。利率转换后不得再转回固定利率或基准利率定价。</span></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span><o:p style="-webkit-tap-highlight-color: transparent;outline: 0px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span></o:p></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">符合条件的存量个人住房贷款，工行于2024年10月25日集中批量调整合同贷款利率，批量调整后于当日起按新的利率水平执行，调整前利息按原合同利率水平计算。</span></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><br></section><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);color: rgb(34, 34, 34);text-align: left;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;color: rgb(255, 255, 255);visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;outline: 0px;visibility: visible;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">中国银行</span></strong></span></p><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;outline: 0px;visibility: visible;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">调整存量房贷利率</span></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><br></section></section></section></section><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;visibility: visible;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">中国银行宣布，为贯彻落实党中央、国务院决策部署，促进房地产市场平稳健康发展，助力扩内需促消费，根据《中国人民银行公告第11号》和市场利率定价自律机制《关于批量调整存量房贷利率的倡议》相关要求，将于2024年10月25日起，对存量个人住房贷款利率进行批量调整。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);text-align: center;visibility: visible;padding: 0px 0.5em;"></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;"><br></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">贷款市场报价利率（LPR）贷款方面，如房贷所在城市无新发放房贷利率加点政策下限或加点政策下限不高于-30BP，则LPR加点幅度高于-30BP的，将其LPR加点幅度调整至-30BP；LPR加点幅度不高于-30BP的，将不调整。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">如房贷所在城市有新发放房贷利率加点政策下限且加点政策下限高于-30BP，则LPR加点幅度高于加点政策下限的，将其LPR加点幅度调整至加点政策下限；LPR加点幅度不高于加点政策下限的，将不调整。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">人行基准利率贷款方面，人行基准利率贷款须客户先申请转换为LPR浮动利率贷款，利率以最近一个月贷款市场报价利率（LPR）为定价基准加点形成，加点幅度等于原合同利率水平与最近一个月贷款市场报价利率（LPR）的差值，再按前述规则调整，未申请转换的不参与调整。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">固定利率贷款方面，固定利率贷款须客户先申请转换为LPR浮动利率贷款，利率以最近一个月贷款市场报价利率（LPR）为定价基准加点形成，加点幅度等于原合同利率水平与最近一个月贷款市场报价利率（LPR）的差值，再按前述规则调整，未申请转换的不参与调整。</span></p></section></section></section><section powered-by="xiumi.us" class="wxw_wechannel_card_not_horizontal"><section><section><p><br></p></section></section></section><section powered-by="xiumi.us" style="display: flex;width: 578px;flex-flow: column;" class="wxw_wechannel_card_not_horizontal"><section style="margin-bottom: -25px;justify-content: center;display: flex;flex-flow: row;text-align: justify;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgba(255, 255, 255, 0);"><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);color: rgb(34, 34, 34);text-align: left;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;color: rgb(255, 255, 255);visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="outline: 0px;visibility: visible;font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">中国建设银行</span></strong></span></p><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="outline: 0px;visibility: visible;font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">调整存量房贷利率</span></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><br></section></section></section></section><section data-role="outer" label="edit by 135editor"><section><section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">中国建设银行宣布，为贯彻落实中国人民银行公告〔2024〕第11号，积极响应市场利率定价自律机制《关于批量调整存量房贷利率的倡议》，中国建设银行拟于2024年10月25日对符合条件的存量商业性个人住房贷款利率进行批量调整。</span></section><section><br></section></section></section></section><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);text-align: center;padding: 0px 0.5em;"></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);text-align: center;padding: 0px 0.5em;"><br></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">具体来看，（一）可纳入本次批量调整的浮动利率贷款，无需借款人申请，中国建设银行将于2024年10月25日统一进行批量调整，充分满足客户利率调整的便捷性需求。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">1.除北京、上海、深圳的二套及以上住房贷款外，对其他地区纳入本次批量调整的存量房贷，以及北京、上海、深圳地区纳入本次批量调整的首套房贷款，统一将利率在LPR基础上的加点幅度批量调整为-30BP，新的利率即日生效。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">2.对纳入本次批量调整的北京、上海、深圳的二套及以上住房贷款，将利率在LPR基础上的加点幅度，调整为所在城市相应的二套房贷款利率加点下限。具体下限水平，可关注中国建设银行批量调整存量房贷利率的客户问答，或咨询贷款经办机构。当前约定利率在LPR基础上的加点幅度不高于所在城市相应的二套房贷款利率加点下限的，不作调整。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">（二）可纳入本次批量调整的采用基准利率定价的贷款、固定利率贷款，客户须于2024年10月23日（含）前，主动向中国建设银行申请办理“固转浮”业务，转换为浮动利率贷款后，中国建设银行将按上述“（一）”款关于浮动利率贷款的规则，进行本次批量调整。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">自2024年10月12日（含）起，申请“固转浮”业务的客户，可以登录建行手机银行、建行智慧个贷微信小程序等线上渠道，在“存量房贷利率调整”中点击“申请转为浮动利率”功能，按系统提示自助办理，或联系贷款经办机构申请办理。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">办理“固转浮”业务时，客户需与中国建设银行签订贷款协议，贷款利率转换为在LPR基础上加点（加点可为负值）的浮动利率方式，LPR取最近一个月LPR值。客户成功办理“固转浮”后，在剩余贷款期限内，不能转回按固定利率或基准利率定价。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">（三）2024年10月12日（含）起，北京、上海、深圳的存量房贷客户，可以登录建行手机银行、建行智慧个贷微信小程序，通过“存量房贷利率调整”功能，查询是否首套房贷款。如贷款当前已符合首套房贷条件，对中国建设银行“非首套”认定有疑问，客户应于10月23日（含）前点击“申请转为首套房贷”，并上传有关证明材料供贷款经办机构进行复核。复核后符合首套房贷条件的，中国建设银行将按首套房贷进行利率调整。</span></p></section></section></section><section powered-by="xiumi.us" class="wxw_wechannel_card_not_horizontal"><section><section><p><br></p></section></section></section><section powered-by="xiumi.us" style="display: flex;width: 578px;flex-flow: column;" class="wxw_wechannel_card_not_horizontal"><section style="margin-bottom: -25px;justify-content: center;display: flex;flex-flow: row;text-align: justify;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgba(255, 255, 255, 0);"><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);color: rgb(34, 34, 34);text-align: left;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;color: rgb(255, 255, 255);visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;outline: 0px;visibility: visible;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">农业银行</span></strong></span></p><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;outline: 0px;visibility: visible;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">调整存量房贷利率</span></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><br></span></section></section></section></section><p><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">农业银行也宣布，为贯彻落实党中央、国务院决策部署，促进房地产市场平稳健康发展，按照《中国人民银行公告〔2024〕第11号》（以下简称《公告》）和《关于批量调整存量房贷利率的倡议》（以下简称《倡议》）要求，更好服务客户，农业银行现就调整存量商业性个人住房贷款（以下简称“房贷”）利率有关操作事项公告如下：</span></p><p><br></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);text-align: center;padding: 0px 0.5em;"></p><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);line-height: 1.75em;margin-top: 16px;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">调整范围为，农业银行已发放的首套、二套及以上存量房贷。<br></span></section><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">具体来看，（一）在目前已取消新发放房贷利率加点下限的地区，对于在贷款市场报价利率（LPR）基础上加点幅度高于-30BP的存量房贷（含首套、二套及以上），将其加点幅度调整为-30BP。对于在LPR基础上加点幅度不高于-30BP的，不作调整。</span></p><p style="-webkit-tap-highlight-color: transparent;margin-bottom: 20px;outline: 0px;color: rgb(0, 0, 0);font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: normal;caret-color: rgb(0, 0, 0);text-wrap-mode: wrap;background-color: rgb(255, 255, 255);line-height: 1.75em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">（二）在目前存在新发放房贷利率加点下限的北京、上海、深圳等地区，对于在LPR基础上加点幅度高于-30BP的存量房贷（含首套、二套及以上），将其加点幅度调整为-30BP，且不低于所在城市目前执行的新发放房贷利率加点下限。对于在LPR基础上加点幅度不高于-30BP或不高于加点下限的，不作调整。</span></p></section></section></section><section powered-by="xiumi.us" class="wxw_wechannel_card_not_horizontal"><section><section><p><br></p></section></section></section><section powered-by="xiumi.us" style="display: flex;width: 578px;flex-flow: column;" class="wxw_wechannel_card_not_horizontal"><section style="margin-bottom: -25px;justify-content: center;display: flex;flex-flow: row;text-align: justify;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgba(255, 255, 255, 0);"><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);color: rgb(34, 34, 34);text-align: left;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="margin-right: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="outline: 0px;display: inline-block;vertical-align: top;width: auto;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="padding: 7px;outline: 0px;display: inline-block;width: 242px;vertical-align: top;background-color: rgb(178, 219, 239);align-self: flex-start;flex: 0 0 auto;visibility: visible;"><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;color: rgb(255, 255, 255);visibility: visible;"><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="outline: 0px;visibility: visible;font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">交通银行</span></strong></span></p><p style="outline: 0px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="letter-spacing: 0.544px;font-size: var(--articleFontsize);outline: 0px;visibility: visible;"><span style="outline: 0px;visibility: visible;font-size: 16px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;color: rgb(0, 122, 170);text-decoration: none solid rgb(0, 122, 170);">调整存量房贷利率</span></strong></span></p></section></section></section></section><section powered-by="xiumi.us" style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;vertical-align: top;overflow: hidden;height: 10px;width: 200.854px;background-color: rgb(223, 245, 255);visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="margin-left: 10px;outline: 0px;display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;height: auto;align-self: flex-start;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 20px;margin-bottom: 8px;outline: 0px;visibility: visible;"><section style="outline: 0px;background-color: rgb(67, 166, 215);height: 1px;visibility: visible;"><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><br></span></section></section></section></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">10月12日，交通银行发布关于存量住房贷款利率调整具体操作事项的公告。</span><o:page></o:page></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;text-wrap-mode: wrap;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;"><br style="-webkit-tap-highlight-color: transparent;outline: 0px;"></section><section style="-webkit-tap-highlight-color: transparent;margin-bottom: 0px;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;background-color: rgb(255, 255, 255);letter-spacing: 0.578px;padding: 0px 0.5em;"><span class="wxart_image" wx-style="display:inline-block;-webkit-tap-highlight-color: transparent;outline: 0px;box-shadow: rgb(210, 210, 210) 0em 0em 0.5em 0px;font-size: 17px;width: 676.984px !important;visibility: visible !important;height: auto !important;"></span></section><section><br></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">公告称，对于LPR基础上加点幅度高于-30BP的存量房贷，将其加点幅度调整为不低于-30BP，且不低于所在城市目前执行的新发放商业性个人住房贷款利率加点下限（如有）。</span></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span><o:p><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span></o:p></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">值得注意的是，以贷款市场报价利率（LPR）为定价基准且为浮动利率的存量房贷，交通银行将于2024年10月25日按上述利率调整规则进行自动调整，2024年10月25日变更生效。</span></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span><o:p><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span></o:p></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">如有客户不接受自动调整，请于2024年10月23日（含）前，向贷款经办机构提出异议申请，届时我行将不会根据前款规定对您的贷款利率进行自动调整。如客户在2024年10月23日（含）前未提出异议的，视为客户同意按本公告进行自动调整。</span></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span><o:p><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"> </span></o:p></section><section><span style="font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;">如2024年10月25日变更生效后，客户对本次自动调整后利率仍有异议的，可于2025年10月25日（含）前，向贷款经办机构提出申请，交通银行可将其贷款利率恢复为本次利率调整前的原贷款利率水平。</span></section><section><br></section><section style="margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;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;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, Arial, sans-serif;font-size: 16px;letter-spacing: 1px;"><strong style="outline: 0px;"><span style="font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;font-size: 16px;outline: 0px;">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, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;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: 1px;"><strong><span style="text-decoration: none solid rgb(0, 0, 0);font-size: 16px;color: rgb(61, 170, 214);">存量房贷利率调整后，购房者能省多少钱？</span></strong></span></section><section style="outline: 0px;letter-spacing: 0.578px;line-height: 1.75em;"><span style="font-size: 16px;color: rgb(0, 0, 0);letter-spacing: 1px;"><br></span></section><section style="outline: 0px;letter-spacing: 0.578px;line-height: 1.75em;"><span style="font-size: 16px;color: rgb(0, 0, 0);letter-spacing: 1px;">在5年期以上贷款市场报价利率LPR保持3.85%不变的前提下：</span></section><p><span style="font-size: 16px;color: rgb(0, 0, 0);letter-spacing: 1px;"><br></span></p><p><span style="letter-spacing: 1px;"><span style="color: rgb(0, 0, 0);font-size: 16px;">假设在</span><span style="font-size: 16px;color: rgb(61, 170, 214);"><strong>某二线城市</strong>，</span><span style="color: rgb(0, 0, 0);font-size: 16px;">购房者当前房贷利率为贷款市场报价利率LPR不加点，即3.85%，调整后房贷利率为LPR<span style="text-wrap: wrap;">-</span>30BP，重定价后利率为3.85%—0.3%，即3.55%，比调整前下降了0.3%。以贷款金额100万元、30年期、等额本息的房贷为例，调整后每月可节省支出约170元，总共节省利息约6.1万元。<br></span></span></p><p><span style="font-size: 16px;color: rgb(0, 0, 0);letter-spacing: 1px;"><br></span></p><p><span style="letter-spacing: 1px;"><span style="font-size: 16px;color: rgb(0, 0, 0);">假设在</span><span style="font-size: 16px;color: rgb(61, 170, 214);"><strong>某一线城市</strong>，</span><span style="font-size: 16px;color: rgb(0, 0, 0);">购房者当前房贷利率为贷款市场报价利率LPR+55BP（贷款发放时首套房贷利率政策），即4.4%，调整后房贷利率为LPR-30BP，重定价后利率为3.85%—0.3%，即3.55%，比调整前下降0.85%。以贷款金额100万元、25年期、等额本息的房贷为例，调整后每月可节省支出约469元，总共节省利息约14.06万元。</span></span></p><p><span style="font-size: 16px;color: rgb(0, 0, 0);letter-spacing: 1px;"><br></span></p><p><span style="color: rgb(61, 170, 214);letter-spacing: 1px;"><strong><span style="color: rgb(61, 170, 214);font-size: 16px;">此次存量房贷利率下调预计惠及5000万户家庭，1.5亿人口，平均每年减少家庭利息支出1500亿元左右。</span></strong></span><span style="color: rgb(61, 170, 214);letter-spacing: 1px;"><strong><span style="color: rgb(61, 170, 214);font-size: 16px;"></span></strong></span></p></section></section></section><section style="margin-top: 6px;margin-bottom: 0px;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;text-wrap: wrap;background-color: rgb(255, 255, 255);text-align: center;opacity: 0.16;line-height: 1.75em;"><section style="outline: 0px;display: inline-block;width: 537.537px;height: 6px;vertical-align: top;overflow: hidden;"><br></section></section><section style="margin-bottom: 0px;text-align: center;line-height: 1.75em;"><span class="wxart_image" wx-style="display:inline-block;letter-spacing: 0.544px;text-align: justify;margin-bottom: 0em;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 15px;text-indent: 0em;widows: 1;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;color: rgb(102, 102, 102);border-width: 0px;border-style: solid;border-color: rgb(238, 237, 235);visibility: visible !important;background-color: rgb(238, 237, 235) !important;background-size: 22px !important;background-position: center center !important;background-repeat: no-repeat !important;width: 676.844px !important;height: auto !important;"></span></section><section style="line-height: 1.75em;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><section powered-by="xiumi.us" style="line-height: 1.75em;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;letter-spacing: 0.544px;"><section powered-by="xiumi.us" style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><section style="margin-top: 8px;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.578px;"><section powered-by="xiumi.us" style="margin-top: 10px;-webkit-tap-highlight-color: transparent;outline: 0px;caret-color: rgba(0, 0, 0, 0);text-align: left;justify-content: flex-start;display: flex;flex-flow: row;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;width: 677px;vertical-align: top;align-self: flex-start;flex: 0 0 auto;visibility: visible;"><h2 data-style="white-space: normal; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); widows: 1; text-align: right; color: rgb(0, 0, 0); font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;" class="js_darkmode__26" style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;color: rgb(10, 0, 0);visibility: visible;"><section data-role="outer" label="edit by 135editor" style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;color: rgb(136, 136, 136);caret-color: rgb(34, 34, 34);text-align: center;visibility: visible;"><p style="margin-bottom: 0em;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;visibility: visible;color: rgb(0, 0, 0);"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;caret-color: rgba(0, 0, 0, 0);color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">欢迎关注</strong></span></p></section></h2><h2 data-style="white-space: normal; outline: 0px; max-width: 100%; letter-spacing: 0.544px; background-color: rgb(255, 255, 255); widows: 1; text-align: right; color: rgb(0, 0, 0); font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important; overflow-wrap: break-word !important;" class="js_darkmode__26" style="margin-bottom: 0em;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;text-align: right;widows: 1;color: rgb(0, 0, 0);font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;"><section data-role="outer" label="edit by 135editor" style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;visibility: visible;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;text-align: center;visibility: visible;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">湖北发布官</strong><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">方视频号</strong></p></section></h2></section></section></section></section></section></section></section></section></section><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"><mp-common-videosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe mp_common_widget" data-type="video" data-id="export/UzFfAgtgekIEAQAAAAAA3YcRngo63gAAAAstQy6ubaLX4KHWvLEZgBPE6aBsfkxtAPuKzNPgMIv-b7NylFs1OSlavWbWxIGL" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=rjD5jyTuFrIpZ2ibE8T7YmwgiahniaXswqzSicE9osVWFk7txVibibLX1icJN3Doas53nGIdibiclEr77RrBc703eI9z4xUbJtd5OnTwAoB5UXgdRPllYN9rPJX9jicg&token=6xykWLEnztKciczgHEp3EaPPwc1eIic7EusicHYx7lXFrLce7Aibiaa73jWyiciaNVtGMpEc1bQWxnTdjbIlD11ESQzRoVeoV0TQTG2KlKZKSCicFotmL7ibTDs635ibR39PERBo66&idx=1&dotrans=0&hy=SH&m=&scene=2&uzid=2" data-headimgurl="http://wx.qlogo.cn/finderhead/ujT8zA6l85SHNxe5haQb0GJ1pd3BcuTMOuwLJzWo7lw/0" data-nickname="湖北发布" data-username="v2_060000231003b20faec8c6e48118c3d1ca05e933b0778d8942e832097e41c28af96c7a4a3282@finder" data-desc="欧洲议会通过涉华人权决议，外交部：罔顾事实，颠倒黑白，中方将向欧方提出严正交涉" data-mediatype="undefined" data-width="1080" data-height="1920" data-nonceid="13153959792612134835" data-parentwidth="280" data-isdisabled="0" data-errortips=""></mp-common-videosnap></section><section style="margin-bottom: -25px;justify-content: center;display: flex;flex-flow: row;text-align: justify;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;background-color: rgba(255, 255, 255, 0);"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: -apple-system，BlinkMacSystemFont，Arial，sans-serif;background-color: rgb(255, 255, 255);"><section data-role="outer" label="edit by 135editor" style="-webkit-tap-highlight-color: transparent;outline: 0px;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;"><section data-role="paragraph" style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;visibility: visible;"><section data-role="outer" label="edit by 135editor" style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section data-tools="135编辑器" data-id="146345" style="margin-bottom: 8px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 1px;line-height: 2;visibility: visible;"><section data-autoskip="1" style="-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section powered-by="xiumi.us" style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;"><section style="margin-top: 16px;margin-bottom: 10px;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 0px;display: flex;flex-flow: row;justify-content: center;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 5px;margin-bottom: 5px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(224, 224, 224);height: 1px;visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="margin-right: 5px;margin-left: 5px;padding-right: 3px;padding-left: 3px;-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;vertical-align: bottom;width: auto;flex: 0 0 0%;height: auto;border-style: none solid;border-width: 3px;border-color: rgb(58, 66, 94) rgb(67, 166, 215);align-self: flex-end;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: -6px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;width: 3px;height: 20px;vertical-align: top;overflow: hidden;background-color: rgb(241, 54, 63);visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 100 100 0%;visibility: visible;"><section powered-by="xiumi.us" style="margin-top: 5px;margin-bottom: 5px;-webkit-tap-highlight-color: transparent;outline: 0px;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;background-color: rgb(224, 224, 224);height: 1px;visibility: visible;"><svg viewBox="0 0 1 1" style="float: left;line-height: 0;width: 0px;vertical-align: top;visibility: visible;"></svg></section></section></section></section></section><p style="margin-top: 0em;margin-bottom: 0.5em;-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.578px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;line-height: 1.6em;visibility: visible;text-align: center;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;color: rgb(136, 136, 136);font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;font-size: 15px;letter-spacing: 0.544px;visibility: visible;">湖北发布编辑部出品 | 转载请注明出处</span></p></section></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.578px;line-height: 1.75em;"><br data-filtered="filtered" style="-webkit-tap-highlight-color: transparent;outline: 0px;"></section></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: -apple-system，BlinkMacSystemFont，Arial，sans-serif;background-color: rgb(255, 255, 255);"><section data-role="paragraph" style="-webkit-tap-highlight-color: transparent;outline: 0px;font-family: "PingFang SC", system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 0.544px;visibility: visible;"><section data-tools="135编辑器" data-id="146345" style="margin-bottom: 8px;-webkit-tap-highlight-color: transparent;outline: 0px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;letter-spacing: 1px;line-height: 2;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif;"><p style="-webkit-tap-highlight-color: transparent;outline: 0px;text-align: left;letter-spacing: 0.544px;color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;line-height: 1.6em;"><span style="margin-bottom: 0em;-webkit-tap-highlight-color: transparent;outline: 0px;font-size: 14px;color: rgb(136, 136, 136);letter-spacing: 0.544px;font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;">来源：湖北发布、央视新闻、证券时报</span></p><p style="-webkit-tap-highlight-color: transparent;outline: 0px;text-align: left;letter-spacing: 0.544px;color: rgb(34, 34, 34);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;line-height: 1.6em;"><span style="-webkit-tap-highlight-color: transparent;outline: 0px;letter-spacing: 0.544px;font-size: 14px;color: rgb(136, 136, 136);font-family: "Helvetica Neue", Helvetica, Arial, sans-serif;">编辑：郭金华</span></p></section></section></section></section></section></section></section><section powered-by="xiumi.us"><section><section><p><br></p></section></section></section></section><p style="display: none;"><mp-style-type data-value="10000"><br></mp-style-type></p></div> 利国利民的政策，继续加大{:112_379:}
页:
[1]