福州存量房贷利率降至3.55%！调整细则来了
<section data-role="paragraph"><p style="text-align:center;line-height: 2em;"><span style="letter-spacing: 0.034em;font-size: 16px;">刚刚</span></p><p style="text-align:center;line-height: 2em;"><span style="caret-color: red;letter-spacing: 0.034em;font-size: 16px;">中国工商银行等多家银行率先发出公告</span></p><p style="text-align:center;line-height: 2em;"><span style="caret-color: red;letter-spacing: 0.034em;font-size: 16px;">回应市民对存量放低利率调整的关切</span></p><p style="text-align:center;line-height: 2em;"><span style="caret-color: red;letter-spacing: 0.034em;font-size: 16px;">记者从福建省金融监管部门获悉</span></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong style="color: #d92142;font-size: var(--articleFontsize);letter-spacing: 0.034em;"><span style="caret-color: red; letter-spacing: 0.034em;">本轮调整后</span></strong></span></p><p style="text-align:center;line-height: 2em;"><span style="font-size: 16px;color: rgb(0, 122, 170);"><strong style="color: #d92142;font-size: var(--articleFontsize);letter-spacing: 0.034em;"><span style="caret-color: red; letter-spacing: 0.034em;">福州存量房贷利率将降至3.55% </span></strong></span></p><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>这次存量房贷利率到底可以降多少？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="font-size:16px;"><span style="color: rgb(217, 33, 66);"><strong><span style="background-color: transparent;">所有银行统一调整为LPR-30BP。</span></strong></span><span style="background-color: transparent;">目前LPR为3.85%，不管之前的利率是多少，现在统一调整为3.55%。</span><br/></span></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">具体能省多少钱呢？举例说明：</p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);line-height: 1.75em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">例1：小张有一套住房，当前房贷利率为LPR不加点，即3.85%，调整后房贷利率为LPR-30BP，假设5年期以上LPR保持3.85%不变，重定价后利率为3.55%（=3.85%-0.3%），比调整前下降30BP，即0.3%。以贷款金额100万元、30年期、等额本息的房贷为例，调整前每月还款约为4688元，调整后每月还款约为4518元，小张每月可节省支出约170元，总共节省利息约6.1万元。</p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">例2：小李有一套住房，当前房贷利率为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，假设5年期以上LPR保持3.85%不变，重定价后利率为3.55%（=3.85%-0.3%），比调整前下降85BP，即0.85%。以贷款金额100万元、25年期、等额本息的房贷为例，调整前每月还款约为5502元，调整后每月还款约为5033元，小李每月可节省支出约469元，总共节省利息约14.06万元。</p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>固定利率可以调整吗？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">现在可以主动申请转成浮动利率，然后再进行存量利率调整。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>二套也能调整吗？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">首套/二套执行统一调整政策，都是LPR-30BP。（个别银行，二套房贷调整北京、上海、深圳有单独政策。）</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>商铺、公寓等商业用房贷款也能调整吗？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">不能。本次调整范围是存量商业性个人住房贷款（包括首套、二套及以上），不包括住房公积金贷款、组合贷款中的住房公积金贷款，购买商铺、商住两用房等商业用房的贷款。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>我和朋友的贷款都在同一个城市，也都是首套/二套房浮动利率的贷款，利率下调后为什么会不一样？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="background-color: transparent;caret-color: red;font-size: 16px;">由于此次利率调整仅调整LPR加减点，并不调整贷款重定价日，并且不同客户贷款重定价日不同（可能是次年1月1日，也可能是贷款发放日），贷款利率在批量调整时可能未重定价，贷款采用的5年期以上LPR值（定价基准）有4.2%、3.95%、3.85%三种可能，使得存量房贷利率批量调整后可能会有所差别。到了贷款重定价日，贷款进行重定价后，参加此次批量调整的贷款利率将调整至同一水平。<br/></span></p><p style="vertical-align: initial;line-height: 2em;"><br/></p><p style="line-height:2em;"><span style="font-size: 16px;">从11月1日起，对于新签订的商业性个人住房贷款，可由借贷双方自主协商，选择以年度、半年、季度等为重定价周期。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>我的房贷当前利率为LPR-40BP，还能参加这次调整吗？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">不能。如果房贷利率等于或低于LPR-30BP，那么已享受当前政策下的最优惠利率，不在此次调整范围内。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>如何申请利率调整？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">无需客户提出申请或提供材料，具体请以后续发布的操作细则为准。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>什么时候进行下调？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">将在10月31日前对符合要求的存量住房商业性个人住房贷款进行统一批量调整。具体操作细则10月12日左右会发布在各大行官网、微信公众号、手机银行等。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>如何查询我现在的贷款利率详情？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">可通过“手机银行APP—贷款—我的贷款—（按揭贷款）贷款详情”，查询贷款利率相关信息。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>本次利率调整是否收取费用？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="vertical-align: initial;line-height: 2em;"><span style="caret-color: #ff0000;font-size: 16px;">不收取任何费用。</span></p></section></section></section></section></section><section data-tools="135编辑器" data-id="111265"><section style="margin: 20px auto;"><section itemscope="" itemtype="https://mp.weixin.qq.com/voc/Question" style="padding-right: 10px;padding-left: 10px;"><section style="display: flex;justify-content: flex-start;align-items: flex-end;"><section style="flex-shrink: 0;"><section style="background-color: rgb(56, 165, 251);width: 30px;height: 30px;text-align: center;line-height: 30px;color: rgb(255, 255, 255);"><p style="line-height: 1.5em;"><span style="font-size:16px;"><strong data-brushtype="text">问</strong></span></p></section></section><section itemprop="name" data-brushtype="text" style="color: rgb(56, 165, 251);border-bottom: 1px solid rgb(56, 165, 251);padding-right: 5px;padding-left: 5px;"><p style="line-height:2em;"><span style="font-size: 16px;color: #0573af;"><strong>已办理提前还款的，是否可以批量下调？</strong></span></p></section></section><section itemprop="suggestedAnswer" itemscope="" itemtype="https://mp.weixin.qq.com/voc/Answer" style="background-color: rgb(230, 244, 255);padding: 25px 15px;margin-top: 6px;margin-right: 9px;"><section itemprop="text" data-autoskip="1" style="line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;"><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">区分两种情况：</p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">一是已完成提前还款扣款操作的，不再进行利率调整。如有剩余本金尚未归还，符合要求的，可进行利率下调。</p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 17px;caret-color: rgb(255, 0, 0);font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;"><br/></p><p style="text-align:justify;max-inline-size: 100%;cursor: text;font-size: 16px;caret-color: rgb(255, 0, 0);line-height: 2em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Arial, sans-serif;">二是已提出提前还款申请、但尚未完成扣款的，客户可取消预约，撤销提前还款申请，符合要求的，纳入此次调整范围。</p></section></section></section></section></section></section><p><br/></p><section data-role="paragraph"><p><br/></p><p><br/></p><p style="text-align:right;line-height: 2em;"><span style="color: rgb(178, 178, 178);">来源：福州晚报</span></p></section><p><br/></p><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_J03" id="wcn_editor_css"/> 全心全意为人民服务，
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