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蓉五大银行房贷调查：首套房利率普遍上浮5%-10%

————羊年探市:你节省了多少房贷利息呢?

房天下  作者：媒体中心 叶子  2015-03-03 00:20

[摘要] 2015年新年伊始，一波大利好政策来袭！春节前降准，春节后降息。央行在短时间内频频“放水”，对于房地产来说，是一个重磅利好消息。

房天下讯 2015年新年伊始，一波大利好政策来袭！春节前降准，春节后降息。央行在短时间内频频“放水”，对于房地产来说，是一个重磅利好消息。

降准降息

自央行宣布，2015年2月5日起下调金融机构人民币存款准备金率0.5个百分点后，2月28日央行宣布降息，自2015年3月1日起存贷款基准利率下降0.25个百分点，其中一年期贷款利率下降至5.35%；一年期存款基准利率下调至2.5%，将金融机构存款利率浮动区间的上限由存款基准利率的1.2倍调整为1.3倍，其他各档次存贷款基准利率及个人住房公积金存贷款利率相应调整。这是央行今年 降息，距离上次降息仅3个月。

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RDER-: windowtext;HEIGHT: 21pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" height="28">降息前RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white">降息后
RDER-: black;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="24" width="172">活期存款RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">0.35RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">0.35
RDER-: black;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="24" width="172">整存整取定期存款RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">
RDER-: black;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="24" width="172">三个月RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">2.35RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">2.1
RDER-: black;HEIGHT: 17.25pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="23" width="172">半年RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">2.55RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">2.3
RDER-: black;HEIGHT: 17.25pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="23" width="172">一年RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">2.75RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">2.5
RDER-: black;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="24" width="172">二年RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: #f0f0f0;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">3.35RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">3.1
RDER-: black;HEIGHT: 17.25pt;BORDER-RIGHT: #f0f0f0;BORDER-BOTTOM: #f0f0f0;BORDER-LEFT: black 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="23" width="172">三年RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: #f0f0f0;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">4RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: #f0f0f0;BORDER-LEFT: #f0f0f0;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">3.75
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RDER-: windowtext;HEIGHT: 18pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 129pt;BACKGROUND-COLOR: white" height="24" width="172">当年缴存RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">0.35RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">0.35
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这是央行去年11月22日降息以来半年内第二次降息。上次降息市场激情满满，本次降息则是早在各方预想中，只是没想到会比预想中来得早这么多，在年后 周就降息，这就像是央行在春节后补发的。

值得一提的是，与上次降息是1年期贷款基准利率降0.4个百分点、存款基准利率降0.25个百分点不同，此次为对称降息。

除了活期存款的基准利率未动，其他各档次存贷款基准利率都在原来的基础上下调了0.25个百分点。其中，一年期存款基准利率由2.75%下调至2.5%，一年期贷款基准利率由5.6%下调至5.35%，5年以上贷款基准利率由原来的6.15%下调至5.9%。

标签：降息中国人民银行
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