已确认！福州房贷利率下调！多家银行已执行！
<section style="letter-spacing: 1px; line-height: 1.8; padding: 0px 5px; box-sizing: border-box; text-align: justify; font-size: 16px; color: rgb(62, 62, 62);" data-pm-slice="0 0 []"><section style="box-sizing: border-box;"><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="color: rgb(214, 60, 60);box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">福州市民的购房成本</span></strong></span></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="color: rgb(214, 60, 60);box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">再次下调了</span></strong></span></p></section><section style="transform: rotateZ(180deg);-webkit-transform: rotateZ(180deg);-moz-transform: rotateZ(180deg);-o-transform: rotateZ(180deg);box-sizing: border-box;"><section style="line-height: 0;text-align: center;box-sizing: border-box;"><section style="max-width: 100%;vertical-align: middle;display: inline-block;line-height: 0;width: 7%;height: auto;box-sizing: border-box;" nodeleaf=""></section></section></section><section style="box-sizing: border-box;"><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">5月20日</span></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">中国人民银行授权</span></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">全国银行间同业拆借中心公布</span></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">5年期以上LPR</span></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">直降10基点至3.5%</span></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">记者调查获悉</span></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">福州多家银行已跟随LPR</span></strong></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">下调了首套/二套</span></strong></p><p style="text-align: center; text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">商业性个人住房贷款利率</span></strong></p></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row;margin: 10px 0px;width: 100%;align-self: flex-start;background-color: rgba(199, 230, 255, 0.33);padding: 31px;box-sizing: border-box;"><section style="margin: 0px;text-align: center;width: 100%;box-sizing: border-box;"><section style="text-align: justify; line-height: 1.8; width: 100%; box-sizing: border-box;"><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">其中，新发放的五年期以上房贷利率按<span textstyle="" style="font-weight: bold;">不低于3.05%</span>水平发放，处于历史低位，相较近年来的高点下降近200BP。</span></p></section></section></section><section><span leaf=""><br/></span></section><section style="text-align: center;" nodeleaf=""></section><section mpa-font-style="maxubqhi18dg" style="font-size: 14px;text-align: center;" data-mpa-action-id="maxubqhr1vnx" data-pm-slice="0 0 []"><span leaf=""><span textstyle="" style="color: rgb(136, 136, 136);">资料图</span></span></section><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf=""><br/></span></p><section style="text-align: center;box-sizing: border-box;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">利率下调后</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">房贷族可以省下多少钱？</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">以贷款100万元</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">30年等额本息还款为例</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf=""></span></strong></p></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row;margin: 10px 0px 17px;box-sizing: border-box;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 100 100 0%;border-style: dashed;border-width: 1px;border-color: rgb(154, 202, 251);border-radius: 12px;overflow: hidden;padding: 23px 28px;height: auto;box-shadow: rgb(231, 246, 255) 6px 6px 0px 0px;margin: 0px 6px 0px 0px;box-sizing: border-box;"><section style="text-align: justify; line-height: 1.8; box-sizing: border-box;"><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">若降息前利率为3.15%：</span></strong><span leaf="">月供4297元，总利息54.7万元。</span></p><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf=""><br/></span></p><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">此次降息后若利率降至3.05%：</span></strong><span leaf="">月供4243元，总利息52.7万元。每月少还54元，30年直接省下2万元。</span></p></section><section style="text-align: right;justify-content: flex-end;display: flex;flex-flow: row;margin: 0px 0px -20px;box-sizing: border-box;"><section style="display: inline-block;width: 41%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;margin: 0px;height: auto;box-sizing: border-box;"><section style="margin: 0.5em 0px;box-sizing: border-box;"><section style="border-top: 1px dashed rgb(154, 202, 251);box-sizing: border-box;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section><section style="text-align: center;box-sizing: border-box;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf=""><br/></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">除了新买房的客户</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">存量房贷客户</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf="">同样可以领到这个“大红包”</span></strong></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf=""></span></p></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row;margin: 10px 0px 17px;box-sizing: border-box;"><section style="display: inline-block;width: auto;vertical-align: top;align-self: flex-start;flex: 100 100 0%;border-style: dashed;border-width: 1px;border-color: rgb(154, 202, 251);border-radius: 12px;overflow: hidden;padding: 23px 28px;height: auto;box-shadow: rgb(231, 246, 255) 6px 6px 0px 0px;margin: 0px 6px 0px 0px;box-sizing: border-box;"><section style="text-align: justify; line-height: 1.8; box-sizing: border-box;"><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">去年10月，利率高于3.3%的符合条件的存量房贷统一下调至3.3%（LPR-30BP）。此次调整后，</span><strong style="box-sizing: border-box;"><span leaf="">存量房贷利率也将相应下调至3.2%。</span></strong><span leaf=""><br/></span></p><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf=""><br/></span></p><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">不过，与新客户接下来立马可以享受最新利率不同的是，</span><strong style="box-sizing: border-box;"><span leaf="">老客户要享受3.2%的利率，需要等上一段时间。</span></strong></p><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span leaf=""><br/></span></strong></p><p style="text-wrap: wrap; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span leaf="">去年11月，房贷可重新选择利率重定价周期，大多数客户选择了3个月的周期，也就是利率3个月一调（遇LPR调整）。这就意味着，如果选择每季初1日作为重定价日的存量房贷客户，则</span><strong style="box-sizing: border-box;"><span leaf="">7月1日即可调整为3.2%的利率。</span></strong></p></section></section></section></section><p><br/></p><section style="margin-bottom: 0px;text-align: right;"><span leaf="" data-mpa-action-id="maxu4nr51dqa"><br/></span></section><section style="margin-bottom: 0px;text-align: right;"><span leaf="" data-mpa-action-id="maxu4nr51dqa"><span textstyle="" style="color: rgb(136, 136, 136);">记者 江海</span></span></section><section style="margin-bottom: 0px;text-align: right;"><span leaf=""><span textstyle="" style="color: rgb(136, 136, 136);">新媒体编辑 兰超</span></span></section><section style="margin-bottom: 0px;text-align: right;"><span leaf=""><span textstyle="" style="color: rgb(136, 136, 136);">监制 管慧 邱泉盛</span></span></section><p><br/></p><hr style="border-style: solid; border-right-width: 0px; border-bottom-width: 0px; border-left-width: 0px; border-color: rgba(0, 0, 0, 0.1); transform-origin: 0px 0px; transform: scale(1, 0.5);"/><p><br/></p><section style="margin-bottom: 0px;"><span leaf=""><span textstyle="" style="color: rgb(136, 136, 136);">福州晚报新媒体出品，转载请注明出处</span></span></section><p><br/></p><p><br/></p><link rel="stylesheet" href="//www.fqlook.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_LDm" id="wcn_editor_css"/> 全心全意为人民服务 看起来存款要搬家了
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