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业主们,房贷批量“换锚”来了!将这样影响你还贷

选(xuan)(xuan)(xuan)固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)还(hai)(hai)(hai)是(shi)(shi)(shi)(shi)浮(fu)(fu)(fu)动利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)?”这(zhei)令有(you)(you)(you)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)在(zai)(zai)身的(de)(de)(de)(de)(de)(de)(de)(de)业(ye)主们反(fan)(fan)复纠结(jie),如(ru)(ru)今这(zhei)道“必选(xuan)(xuan)(xuan)题(ti)”已经(jing)有(you)(you)(you)了(le)(le)答案。房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)“换(huan)(huan)(huan)锚(mao)”进(jin)入(ru)到(dao)最(zui)(zui)后(hou)时(shi)刻,究(jiu)竟(jing)(jing)对(dui)还(hai)(hai)(hai)贷(dai)(dai)(dai)(dai)(dai)有(you)(you)(you)何(he)影响(xiang)?   固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)vs浮(fu)(fu)(fu)动利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv) 资料(liao)图(tu) 中(zhong)(zhong)新(xin)(xin)经(jing)纬(wei) 摄(she)   房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)的(de)(de)(de)(de)(de)(de)(de)(de)“锚(mao)”过去一(yi)(yi)(yi)直是(shi)(shi)(shi)(shi)基(ji)(ji)准(zhun)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv),会根据(ju)基(ji)(ji)准(zhun)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)浮(fu)(fu)(fu)动,2019年(nian)(nian)(nian)(nian)(nian)新(xin)(xin)发放(fang)的(de)(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)平(ping)(ping)稳切换(huan)(huan)(huan)为(wei)(wei)(wei)(wei)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)市场报(bao)价(jia)(jia)(jia)(jia)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)(LPR)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)后(hou),央(yang)行(xing)(xing)(xing)2019年(nian)(nian)(nian)(nian)(nian)12月(yue)(yue)(yue)(yue)(yue)28日(ri)公告(gao)明确(que),2020年(nian)(nian)(nian)(nian)(nian)3月(yue)(yue)(yue)(yue)(yue)1日(ri)至8月(yue)(yue)(yue)(yue)(yue)31日(ri),将(jiang)推进(jin)存量房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)基(ji)(ji)准(zhun)转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan),客(ke)户(hu)可(ke)(ke)(ke)(ke)(ke)与金融(rong)机构(gou)协商决定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)是(shi)(shi)(shi)(shi)“换(huan)(huan)(huan)锚(mao)”为(wei)(wei)(wei)(wei)LPR还(hai)(hai)(hai)是(shi)(shi)(shi)(shi)固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)。   中(zhong)(zhong)行(xing)(xing)(xing)、建行(xing)(xing)(xing)、工行(xing)(xing)(xing)、农行(xing)(xing)(xing)、邮储银(yin)行(xing)(xing)(xing)此前明确(que),8月(yue)(yue)(yue)(yue)(yue)25日(ri)起(qi)对(dui)批(pi)量转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)范(fan)围内的(de)(de)(de)(de)(de)(de)(de)(de)个(ge)(ge)人(ren)(ren)住(zhu)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan),按相(xiang)关(guan)规(gui)则统一(yi)(yi)(yi)调(diao)整为(wei)(wei)(wei)(wei)LPR定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)方式(shi)(shi)。交行(xing)(xing)(xing)称,于(yu)(yu)8月(yue)(yue)(yue)(yue)(yue)21日(ri)对(dui)批(pi)量转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)范(fan)围内的(de)(de)(de)(de)(de)(de)(de)(de)个(ge)(ge)人(ren)(ren)住(zhu)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)调(diao)整为(wei)(wei)(wei)(wei)LPR定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)方式(shi)(shi)。   张女士(shi)2012年(nian)(nian)(nian)(nian)(nian)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)97万(wan)在(zai)(zai)北京买(mai)(mai)了(le)(le)套房(fang)(fang)(fang)(fang),她(ta)对(dui)中(zhong)(zhong)新(xin)(xin)经(jing)纬(wei)客(ke)户(hu)端(duan)表(biao)示,自(zi)己(ji)现在(zai)(zai)剩(sheng)余(yu)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)不(bu)(bu)多,所以(yi)(yi)(yi)(yi)比(bi)(bi)较(jiao)愿(yuan)意(yi)尝试浮(fu)(fu)(fu)动利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv),如(ru)(ru)果是(shi)(shi)(shi)(shi)刚刚贷(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)款(kuan)(kuan)(kuan)(kuan)(kuan),恐怕也(ye)要(yao)好(hao)(hao)好(hao)(hao)纠结(jie)一(yi)(yi)(yi)番。但(dan)她(ta)也(ye)提出(chu)(chu)(chu)疑(yi)问,固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)和(he)浮(fu)(fu)(fu)动利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)究(jiu)竟(jing)(jing)有(you)(you)(you)何(he)区别?   最(zui)(zui)大(da)的(de)(de)(de)(de)(de)(de)(de)(de)不(bu)(bu)同还(hai)(hai)(hai)是(shi)(shi)(shi)(shi)反(fan)(fan)映到(dao)了(le)(le)还(hai)(hai)(hai)款(kuan)(kuan)(kuan)(kuan)(kuan)金额上,顾名思义,固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)下(xia)(xia)(xia)的(de)(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)会维持当(dang)前利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)水(shui)平(ping)(ping)不(bu)(bu)变(bian),还(hai)(hai)(hai)款(kuan)(kuan)(kuan)(kuan)(kuan)总额及月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)基(ji)(ji)本固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding),不(bu)(bu)会受外界(jie)因素影响(xiang)发生(sheng)较(jiao)大(da)变(bian)化。不(bu)(bu)过若整体利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)环境(jing)下(xia)(xia)(xia)跌,固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)还(hai)(hai)(hai)款(kuan)(kuan)(kuan)(kuan)(kuan)仍(reng)会维持相(xiang)对(dui)比(bi)(bi)较(jiao)高的(de)(de)(de)(de)(de)(de)(de)(de)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)。转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)为(wei)(wei)(wei)(wei)LPR后(hou),房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)会随着(zhe)LPR变(bian)动而变(bian),LPR下(xia)(xia)(xia)行(xing)(xing)(xing),还(hai)(hai)(hai)款(kuan)(kuan)(kuan)(kuan)(kuan)金额降(jiang)低;LPR上行(xing)(xing)(xing),还(hai)(hai)(hai)款(kuan)(kuan)(kuan)(kuan)(kuan)金额也(ye)随之增(zeng)加(jia)。   需要(yao)注意(yi)的(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi),如(ru)(ru)果是(shi)(shi)(shi)(shi)银(yin)行(xing)(xing)(xing)代为(wei)(wei)(wei)(wei)批(pi)量转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)的(de)(de)(de)(de)(de)(de)(de)(de)客(ke)户(hu),可(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)要(yao)求(qiu)按自(zi)己(ji)的(de)(de)(de)(de)(de)(de)(de)(de)意(yi)愿(yuan)做一(yi)(yi)(yi)次调(diao)整。但(dan)只要(yao)是(shi)(shi)(shi)(shi)自(zi)己(ji)作出(chu)(chu)(chu)了(le)(le)选(xuan)(xuan)(xuan)择(ze),无论是(shi)(shi)(shi)(shi)选(xuan)(xuan)(xuan)择(ze)LPR定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)方式(shi)(shi)还(hai)(hai)(hai)是(shi)(shi)(shi)(shi)固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv),都(dou)只有(you)(you)(you)一(yi)(yi)(yi)次选(xuan)(xuan)(xuan)择(ze)机会,不(bu)(bu)能(neng)再更(geng)改。   “换(huan)(huan)(huan)锚(mao)”后(hou)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)咋计算(suan)(suan)(suan)?   房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)“换(huan)(huan)(huan)锚(mao)”后(hou),利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)咋算(suan)(suan)(suan)?月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)到(dao)底(di)能(neng)不(bu)(bu)能(neng)减(jian)少(shao)?   根据(ju)央(yang)行(xing)(xing)(xing)此前公告(gao),房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)基(ji)(ji)准(zhun)转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)为(wei)(wei)(wei)(wei)LPR后(hou),加(jia)点(dian)(dian)数(shu)值(zhi)应等(deng)(deng)于(yu)(yu)原(yuan)合同最(zui)(zui)近(jin)的(de)(de)(de)(de)(de)(de)(de)(de)执(zhi)行(xing)(xing)(xing)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)水(shui)平(ping)(ping)与2019年(nian)(nian)(nian)(nian)(nian)12月(yue)(yue)(yue)(yue)(yue)LPR的(de)(de)(de)(de)(de)(de)(de)(de)差值(zhi)(可(ke)(ke)(ke)(ke)(ke)为(wei)(wei)(wei)(wei)负(fu)值(zhi))。   中(zhong)(zhong)新(xin)(xin)经(jing)纬(wei)客(ke)户(hu)端(duan)算(suan)(suan)(suan)了(le)(le)笔(bi)账:以(yi)(yi)(yi)(yi)商业(ye)性个(ge)(ge)人(ren)(ren)住(zhu)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)的(de)(de)(de)(de)(de)(de)(de)(de)转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)为(wei)(wei)(wei)(wei)例,如(ru)(ru)借款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)小王,买(mai)(mai)房(fang)(fang)(fang)(fang)时(shi)享受了(le)(le)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)基(ji)(ji)准(zhun)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)打九折(zhe)(下(xia)(xia)(xia)浮(fu)(fu)(fu)10%)的(de)(de)(de)(de)(de)(de)(de)(de)优(you)惠,贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)日(ri)2015年(nian)(nian)(nian)(nian)(nian)8月(yue)(yue)(yue)(yue)(yue)1日(ri),期限是(shi)(shi)(shi)(shi)30年(nian)(nian)(nian)(nian)(nian)。   若小王选(xuan)(xuan)(xuan)择(ze)将(jiang)这(zhei)笔(bi)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)基(ji)(ji)准(zhun)转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)为(wei)(wei)(wei)(wei)LPR,以(yi)(yi)(yi)(yi)5年(nian)(nian)(nian)(nian)(nian)期贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)基(ji)(ji)准(zhun)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)是(shi)(shi)(shi)(shi)4.9%计算(suan)(suan)(suan),转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)前的(de)(de)(de)(de)(de)(de)(de)(de)实(shi)际执(zhi)行(xing)(xing)(xing)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)为(wei)(wei)(wei)(wei)4.9×(1-10%)=4.41%。2019年(nian)(nian)(nian)(nian)(nian)12月(yue)(yue)(yue)(yue)(yue)发布的(de)(de)(de)(de)(de)(de)(de)(de)5年(nian)(nian)(nian)(nian)(nian)期以(yi)(yi)(yi)(yi)上LPR为(wei)(wei)(wei)(wei)4.8%,小王这(zhei)笔(bi)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)的(de)(de)(de)(de)(de)(de)(de)(de)加(jia)减(jian)点(dian)(dian)数(shu)为(wei)(wei)(wei)(wei)4.41%-4.8%=-0.39%,即减(jian)39个(ge)(ge)基(ji)(ji)点(dian)(dian),今后(hou)的(de)(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)就(jiu)是(shi)(shi)(shi)(shi)LPR-0.39%。直至这(zhei)笔(bi)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)偿还(hai)(hai)(hai)完毕为(wei)(wei)(wei)(wei)止,这(zhei)个(ge)(ge)加(jia)减(jian)点(dian)(dian)数(shu)都(dou)保持不(bu)(bu)变(bian),房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)将(jiang)随着(zhe)5年(nian)(nian)(nian)(nian)(nian)期以(yi)(yi)(yi)(yi)上LPR变(bian)动。   转(zhuan)(zhuan)(zhuan)(zhuan)换(huan)(huan)(huan)时(shi),本人(ren)(ren)和(he)银(yin)行(xing)(xing)(xing)需要(yao)协商确(que)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)加(jia)减(jian)点(dian)(dian)数(shu)、重(zhong)(zhong)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)日(ri)和(he)重(zhong)(zhong)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)周期。重(zhong)(zhong)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)日(ri)是(shi)(shi)(shi)(shi)重(zhong)(zhong)新(xin)(xin)按照(zhao)最(zui)(zui)新(xin)(xin)的(de)(de)(de)(de)(de)(de)(de)(de)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)基(ji)(ji)准(zhun)计算(suan)(suan)(suan)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)执(zhi)行(xing)(xing)(xing)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)的(de)(de)(de)(de)(de)(de)(de)(de)时(shi)间。一(yi)(yi)(yi)般有(you)(you)(you)两种(zhong),一(yi)(yi)(yi)种(zhong)是(shi)(shi)(shi)(shi)每年(nian)(nian)(nian)(nian)(nian)1月(yue)(yue)(yue)(yue)(yue)1日(ri),另一(yi)(yi)(yi)种(zhong)是(shi)(shi)(shi)(shi)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)发放(fang)日(ri)的(de)(de)(de)(de)(de)(de)(de)(de)每年(nian)(nian)(nian)(nian)(nian)“对(dui)月(yue)(yue)(yue)(yue)(yue)对(dui)日(ri)”。   易居研究(jiu)院智库中(zhong)(zhong)心研究(jiu)总监严跃进(jin)举(ju)例,若某(mou)位(wei)购房(fang)(fang)(fang)(fang)者今年(nian)(nian)(nian)(nian)(nian)8月(yue)(yue)(yue)(yue)(yue)份转(zhuan)(zhuan)(zhuan)(zhuan)为(wei)(wei)(wei)(wei)LPR计算(suan)(suan)(suan)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan),且(qie)后(hou)续每一(yi)(yi)(yi)年(nian)(nian)(nian)(nian)(nian)重(zhong)(zhong)新(xin)(xin)计算(suan)(suan)(suan)月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)额,2020年(nian)(nian)(nian)(nian)(nian)8至12月(yue)(yue)(yue)(yue)(yue)其月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)额和(he)今年(nian)(nian)(nian)(nian)(nian)前7月(yue)(yue)(yue)(yue)(yue)一(yi)(yi)(yi)样。2021年(nian)(nian)(nian)(nian)(nian),若5年(nian)(nian)(nian)(nian)(nian)期以(yi)(yi)(yi)(yi)上LPR上升(sheng)5个(ge)(ge)基(ji)(ji)点(dian)(dian),那么100万(wan)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)、30年(nian)(nian)(nian)(nian)(nian)等(deng)(deng)额本息的(de)(de)(de)(de)(de)(de)(de)(de)贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)情况下(xia)(xia)(xia),月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)将(jiang)增(zeng)加(jia)约31元(yuan)。反(fan)(fan)之,若5年(nian)(nian)(nian)(nian)(nian)期以(yi)(yi)(yi)(yi)上LPR下(xia)(xia)(xia)降(jiang)5个(ge)(ge)基(ji)(ji)点(dian)(dian),月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)将(jiang)减(jian)少(shao)31元(yuan)。   究(jiu)竟(jing)(jing)选(xuan)(xuan)(xuan)哪(na)个(ge)(ge)更(geng)有(you)(you)(you)优(you)势(shi)? 资料(liao)图(tu):售楼(lou)处(chu)沙盘。中(zhong)(zhong)新(xin)(xin)经(jing)纬(wei) 薛宇飞(fei) 摄(she)   中(zhong)(zhong)新(xin)(xin)经(jing)纬(wei)客(ke)户(hu)端(duan)注意(yi)到(dao),从去年(nian)(nian)(nian)(nian)(nian)12月(yue)(yue)(yue)(yue)(yue)到(dao)今年(nian)(nian)(nian)(nian)(nian)8月(yue)(yue)(yue)(yue)(yue),5年(nian)(nian)(nian)(nian)(nian)期LPR从4.8%变(bian)为(wei)(wei)(wei)(wei)4.65%,下(xia)(xia)(xia)降(jiang)15个(ge)(ge)基(ji)(ji)点(dian)(dian)。如(ru)(ru)果是(shi)(shi)(shi)(shi)200万(wan)元(yuan)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai),以(yi)(yi)(yi)(yi)等(deng)(deng)额本息还(hai)(hai)(hai)款(kuan)(kuan)(kuan)(kuan)(kuan)方式(shi)(shi)20年(nian)(nian)(nian)(nian)(nian)还(hai)(hai)(hai)清,15个(ge)(ge)基(ji)(ji)点(dian)(dian)的(de)(de)(de)(de)(de)(de)(de)(de)降(jiang)幅意(yi)味(wei)着(zhe)平(ping)(ping)均(jun)每年(nian)(nian)(nian)(nian)(nian)可(ke)(ke)(ke)(ke)(ke)节省(sheng)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)支(zhi)出(chu)(chu)(chu)1963.83元(yuan),20年(nian)(nian)(nian)(nian)(nian)一(yi)(yi)(yi)共可(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)省(sheng)下(xia)(xia)(xia)39276.53元(yuan)。   这(zhei)是(shi)(shi)(shi)(shi)否就(jiu)证明选(xuan)(xuan)(xuan)择(ze)LPR浮(fu)(fu)(fu)动利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)更(geng)好(hao)(hao)?中(zhong)(zhong)国民生(sheng)银(yin)行(xing)(xing)(xing)首席研究(jiu)员温彬认为(wei)(wei)(wei)(wei),如(ru)(ru)果借款(kuan)(kuan)(kuan)(kuan)(kuan)期限较(jiao)短,以(yi)(yi)(yi)(yi)前的(de)(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)又比(bi)(bi)较(jiao)高,就(jiu)可(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)选(xuan)(xuan)(xuan)择(ze)LPR。而期限较(jiao)长,且(qie)以(yi)(yi)(yi)(yi)前贷(dai)(dai)(dai)(dai)(dai)款(kuan)(kuan)(kuan)(kuan)(kuan)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)本身很低的(de)(de)(de)(de)(de)(de)(de)(de),可(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)选(xuan)(xuan)(xuan)择(ze)固(gu)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)的(de)(de)(de)(de)(de)(de)(de)(de)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)。因为(wei)(wei)(wei)(wei)这(zhei)样可(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)锁定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)成本,将(jiang)来更(geng)好(hao)(hao)地安(an)排(pai)个(ge)(ge)人(ren)(ren)家庭的(de)(de)(de)(de)(de)(de)(de)(de)收支(zhi)情况,不(bu)(bu)用为(wei)(wei)(wei)(wei)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)变(bian)动而影响(xiang)正常生(sheng)活安(an)排(pai)。   可(ke)(ke)(ke)(ke)(ke)以(yi)(yi)(yi)(yi)看出(chu)(chu)(chu)的(de)(de)(de)(de)(de)(de)(de)(de)是(shi)(shi)(shi)(shi),若预期LPR上升(sheng),月(yue)(yue)(yue)(yue)(yue)供(gong)(gong)金额也(ye)会增(zeng)加(jia)。对(dui)于(yu)(yu)大(da)多数(shu)人(ren)(ren)来说(shuo),判(pan)断(duan)利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)的(de)(de)(de)(de)(de)(de)(de)(de)长期走势(shi)究(jiu)竟(jing)(jing)上升(sheng)还(hai)(hai)(hai)是(shi)(shi)(shi)(shi)下(xia)(xia)(xia)降(jiang)很难(nan)。但(dan)业(ye)内人(ren)(ren)士(shi)认为(wei)(wei)(wei)(wei),短期LPR或仍(reng)有(you)(you)(you)下(xia)(xia)(xia)降(jiang)空间。   中(zhong)(zhong)关(guan)村互(hu)联(lian)网金融(rong)研究(jiu)院首席研究(jiu)员董(dong)希淼(miao)表(biao)示,从中(zhong)(zhong)短期看,我国利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)处(chu)于(yu)(yu)下(xia)(xia)(xia)行(xing)(xing)(xing)趋势(shi)。将(jiang)存量浮(fu)(fu)(fu)动利(li)(li)(li)(li)(li)(li)(li)(li)率(lv)(lv)(lv)(lv)(lv)(lv)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)转(zhuan)(zhuan)(zhuan)(zhuan)成以(yi)(yi)(yi)(yi)LPR作为(wei)(wei)(wei)(wei)定(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)(ding)价(jia)(jia)(jia)(jia)基(ji)(ji)准(zhun),对(dui)借款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)是(shi)(shi)(shi)(shi)有(you)(you)(you)利(li)(li)(li)(li)(li)(li)(li)(li)的(de)(de)(de)(de)(de)(de)(de)(de),有(you)(you)(you)助于(yu)(yu)减(jian)轻借款(kuan)(kuan)(kuan)(kuan)(kuan)人(ren)(ren)房(fang)(fang)(fang)(fang)贷(dai)(dai)(dai)(dai)(dai)支(zhi)出(chu)(chu)(chu)。