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房贷利率迎历史点!盘点央行贷款利率七年变迁史

房天下房天下  2015-05-13 08:51

[摘要] 目前五年期贷款基准利率,商业贷款为5.65%,公积金利率为3.75%。自2008年以来,七年间,央行贷款利率共调整15次,从这15次变化来看,目前的房贷利率已经达到近七年来历史点,跌破了2008年年底开始执行的5.94与3.87的历史纪录。

5月10日,中国人民银行宣布,自2015年5月11日起下调金融机构人民币贷款和存款基准利率。金融机构一年期贷款基准利率下调0.25个百分点至5.1%;一年期存款基准利率下调0.25个百分点至2.25%。这是今年以来央行第二次降息,自去年11月以来的第三次降息。

目前五年期贷款基准利率,商业贷款为5.65%,公积金利率为3.75%。自2008年以来,七年间,央行贷款利率共调整15次,从这15次变化来看,目前的房贷利率已经达到近七年来历史点,跌破了2008年年底开始执行的5.94与3.87的历史纪录。

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RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 24.75pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="33" width="118">时间RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67" width="105">公积金利率RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid" class="xl68" width="134">商业贷款利率
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2015.5.11RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">3.75%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">5.65%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2015.3.1RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.00%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">5.90%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2014.11.22RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.25%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">6.15%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2012.07.06RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.50%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">6.55%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2012.06.08RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.70%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">6.80%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2011.07.07RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.90%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">7.05%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2011.04.06RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.70%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">6.80%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2011.02.09RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.50%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">6.60%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2010.12.26RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.30%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 101pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl70" width="134">6.40%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2010.10.20RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.05%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl71">6.14%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2008.12.23RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">3.87%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl71">5.94%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2008.11.27RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.05%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl71">6.12%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2008.10.30RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.59%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl71">7.20%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl69" height="27" width="118">2008.10.09RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" width="105">4.86%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl71">7.47%
RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white;WIDTH: 89pt;HEIGHT: 20.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl72" height="27" width="118">2008.09.16RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white;WIDTH: 79pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl73" width="105">5.13%RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl74">7.74%

近七年央行贷款利率变迁史

半年以来,央行三次降息,购房成本降低

直接影响:以贷款100万,20年,计算,如果按照基准利率计算,购房者之间可以减少月供143元月每月,合计20年可以减少3.43万的利息支出。

而连续3次降息后,贷款100万,20年将减少利息支出超过12.5万。

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RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl74" height="23">11.22前RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">6.55RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">7485RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl75" align="right">796447
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl74" height="23">11.22后RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67" align="right">6.15RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">7251RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl75" align="right">740267
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl76" height="23">3.1日后RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67" align="right">5.9RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">7107RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl75" align="right">705617
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl77" height="23">5月11日RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl67" align="right">5.65RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">6964RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl75" align="right">671328
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl76" height="23">降息影响RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">0.25RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">143RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl75" align="right">34289
RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent;HEIGHT: 18.75pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl78" height="25">三次叠加RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl79" align="right">0.9RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl79" align="right">521RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl80" align="right">125119

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