[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。
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">2015.5.11 | RDER-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">2015.3.1 | RDER-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">2014.11.22 | RDER-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">2012.07.06 | RDER-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">2012.06.08 | RDER-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">2011.07.07 | RDER-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">2011.04.06 | RDER-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">2011.02.09 | RDER-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">2010.12.26 | RDER-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">2010.10.20 | RDER-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">2008.12.23 | RDER-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">2008.11.27 | RDER-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">2008.10.30 | RDER-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">2008.10.09 | RDER-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">2008.09.16 | RDER-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。
RDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent;WIDTH: 62pt;HEIGHT: 34.5pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 0.5pt solid" class="xl68" height="46" rowspan="2" width="82">100万20年 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;WIDTH: 162pt;BORDER-: windowtext 1pt solid;BORDER-RIGHT: black 1pt solid" class="xl69" width="216" colspan="3">基准利率 | ||
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;HEIGHT: 17.25pt;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66" height="23">基准 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl66">月供 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid" class="xl73">总利息 | |
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">6.55 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">7485 | RDER-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">6.15 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">7251 | RDER-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">5.9 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">7107 | RDER-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">5.65 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">6964 | RDER-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">0.25 | RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl65" align="right">143 | RDER-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">0.9 | RDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent;BORDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid" class="xl79" align="right">521 | RDER-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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