福州首套房贷利率上调，重回3字头
<section style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;text-align: center;line-height: 1.75em;"><strong><span style="letter-spacing: 2px;color: rgb(217, 33, 66);font-size: 16px;">全国多城房贷利率重回3字头</span></strong><span style="font-size: 15px;letter-spacing: 2px;"></span></section><p><br/></p><section style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;text-align: center;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 2px;">近日，广州、武汉、南京、昆明、青岛等多个城市</span></section><section style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;text-align: center;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 2px;">陆续出现房贷利率上调的情况</span></section><section style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;text-align: center;line-height: 1.75em;">早在10月底，福州也传出消息<br/></section><section style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;text-align: center;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 2px;">福州首套房最低利率由<strong>LPR-65个BP</strong></span></section><section style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;text-align: center;line-height: 1.75em;"><span style="font-size: 15px;letter-spacing: 2px;">调整为</span><strong style="font-size: 15px;letter-spacing: 2px;"><span style="color: rgb(217, 33, 66);">LPR-55个BP</span></strong></section><p><br/></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;">至10月21日央行官宣最新LPR，利率下调了25个基点后，<strong>福州首套房最低利率降至2.95%（LPR-65个BP）</strong>。</span></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;">仅时隔几天，又传来利率上调的消息。</span></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;">经向多家银行求证，</span><strong style="letter-spacing: 0.578px;font-size: var(--articleFontsize);"><span style="font-size: 15px;letter-spacing: 0.578px;">光大银行</span><span style="font-size: 15px;letter-spacing: 0.578px;">、</span></strong><strong style="font-size: 15px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><span style="-webkit-tap-highlight-color: transparent; outline: 0px; font-size: 14px;">浦发银行</span>等首套/二套最低利率调整为3.05%，建设、邮政、<strong style="letter-spacing: 0.544px;">兴业、招商等银行人员表示当前<strong style="letter-spacing: 0.544px;">最低利率为2.95%。</strong></strong></strong></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><strong style="font-size: 15px;font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;background-color: rgb(255, 255, 255);"><strong style="letter-spacing: 0.544px;"></strong></strong></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><em><span style="font-size: 15px;letter-spacing: 2px;">个人住房房贷利率执行时间：11月4日(含当天)起执行 3.05%(LPR -55bp)，11月4日之前的执 2.95%(LPR-65bp)。一手房以购房合同的网签时间，二手房以过户时间为准。</span></em><span style="font-size: 15px;letter-spacing: 0.578px;caret-color: var(--weui-BRAND);"></span><span style="font-size: 15px;letter-spacing: 0.578px;caret-color: var(--weui-BRAND);"></span></p><ul class=" list-paddingleft-2" style="list-style-type: square;"><li><section style="margin-right: 8px;margin-bottom: 8px;margin-left: 8px;line-height: 2em;"><span style="text-decoration-line: underline;"><strong><span style="font-size: 15px;letter-spacing: 1px;">首套住宅房贷利率为3.05%（LPR-55BP）</span></strong></span></section></li><li><section style="margin-right: 8px;margin-bottom: 8px;margin-left: 8px;line-height: 2em;"><span style="text-decoration-line: underline;"><strong><span style="font-size: 15px;letter-spacing: 1px;">二套套住宅房贷利率为3.05%（LPR-55BP）</span></strong></span><span style="text-decoration-line: underline;"><strong><span style="font-size: 15px;letter-spacing: 1px;"></span></strong></span></section></li><li><section style="margin-right: 8px;margin-bottom: 8px;margin-left: 8px;line-height: 2em;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><span style="text-decoration-line: underline;"><strong><span style="font-size: 15px;letter-spacing: 1px;">首套公积金贷款利</span></strong></span></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><span style="text-decoration-line: underline;"><strong><span style="font-size: 15px;letter-spacing: 1px;">2.85%</span></strong></span></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><br style="-webkit-tap-highlight-color: transparent;outline: 0px;"/></section></section></section></section></li><li><section style="margin-right: 8px;margin-left: 8px;line-height: 2em;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><span style="text-decoration-line: underline;"><strong><span style="font-size: 15px;letter-spacing: 1px;">二套<span class="">公积金贷款利率</span>为</span></strong></span></section></section></section><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><section style="-webkit-tap-highlight-color: transparent;outline: 0px;display: inline-block;visibility: visible;"><span style="text-decoration-line: underline;"><strong><span style="font-size: 15px;letter-spacing: 1px;">3.325%</span></strong></span></section></section></section></section></li></ul><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><br/></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;"><strong>为什么楼市刚出现回暖迹象，房贷利率加点就上调呢？</strong></span></p><p style="margin-right: 16px; margin-left: 16px; letter-spacing: 0.578px; line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;"><strong><span style="color: rgb(217, 33, 66);text-align: center;">一是，银行利润已经极致被压缩了。</span></strong></span></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;">数据显示，随着贷款利率和<span class="">债券收益率</span>走低，平均净息差降至1.8%以下。低于警戒线1.8%以下，意味着银行没什么钱可赚了。</span></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;">为了维护金融稳定，央行统一给所有银行的减点划了红线。</span></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;"><strong style="-webkit-tap-highlight-color: transparent;outline: 0px;"></strong></span></p><p style="margin-right: 16px; margin-left: 16px; letter-spacing: 0.578px; line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;"><strong><span style="color: rgb(217, 33, 66);text-align: center;">二是，银行的自行减点的行为影响了央行整体降息的节奏。</span></strong></span></p><p style="margin-right: 16px; margin-left: 16px; letter-spacing: 0.578px; line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;">之前允许取消地方自主下调房贷利率下限，是因为当时的<span class="">LPR报价</span>处于相对高位。但是随着LPR报价越调越低，地方银行的减点意义就不大了。</span></p><p style="margin-right: 16px; margin-left: 16px; letter-spacing: 0.578px; line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;"><strong><span style="color: rgb(217, 33, 66);text-align: center;">三是，为后续继续下调LPR预留空间。</span></strong></span></p><p style="margin-right: 16px;margin-left: 16px;letter-spacing: 0.578px;line-height: 2em;"><span style="font-size: 15px;letter-spacing: 2px;">不光是福州有上调利率的消息，早在10月22日，漳州、龙岩多家银行已宣布商贷首套/二套最低利率调整为3.05%（LPR-55BP），除此之外，<span style="text-align: center;">广州、武汉、南京、昆明</span>、青岛等地都宣布上调，预计后续还会有更多城市调整。</span></p><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_M5O" id="wcn_editor_css"/> 贷款不用还？ 了解了，谢谢楼主分享，
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