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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
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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">五年以下（含五年）RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">3.75RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 103pt;BACKGROUND-COLOR: white" width="137">3.5
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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%。

 

回想2014年，用业绩惨淡，市场萎靡不振形容一点儿也不为过。即使是取消限购、放松限贷政策也不能让低迷楼市回暖。直到11月降息才将成都楼市推向“小高潮”，有了回暖的迹象。

那么再次降息，成都各大银行贷款利率上浮了多少？给房地产、开发商、购房者带来怎样的福利？近日，记者就带着问题走访了成都多家银行。

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RDER-: #f0f0f0;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" height="23" width="119">中国银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">5%—15%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">6RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">10%—20%
RDER-: #f0f0f0;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" height="23" width="119">中国农业银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">5%—10%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">6RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">10%—20%
RDER-: #f0f0f0;HEIGHT: 18pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" height="24" width="119">交通银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">5%—10%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">6RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">10%—20%
RDER-: windowtext;HEIGHT: 34.5pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 70pt;BACKGROUND-COLOR: transparent" height="46" rowspan="2" width="93">股份制银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" width="119">中信银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">5%—10%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">6RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">10%—20%
RDER-: #f0f0f0;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" height="23" width="119">光大银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">5%—15%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">6RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">10%—20%
RDER-: #f0f0f0;HEIGHT: 18pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 70pt;BACKGROUND-COLOR: transparent" height="24" width="93">城市银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" width="119">成都银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">10%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">5RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">15%—20%
RDER-: #f0f0f0;HEIGHT: 34.5pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 70pt;BACKGROUND-COLOR: transparent" height="46" rowspan="2" width="93">外资银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" width="119">汇丰银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">5%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">6RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">10%—20%
RDER-: #f0f0f0;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 89pt;BACKGROUND-COLOR: transparent" height="23" width="119">渣打银行RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 54pt;BACKGROUND-COLOR: transparent" width="72">3RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 84pt;BACKGROUND-COLOR: transparent" width="112">5%—10%RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 55pt;BACKGROUND-COLOR: transparent" width="73">6RDER-: #f0f0f0;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 81pt;BACKGROUND-COLOR: transparent" width="108">10%

成都各大银行房贷调查情况表 （注：基准利率5.35%）

（数据仅供参考，实际以银行执行为准）

首套房利率普遍上浮5%-10% 二套房上浮约10%-20%

记者走访发现，成都各大银行在基准利率基础上都普遍上浮。首套房利率上浮约5%-10%，汇丰银行相对上浮较小；二套房上浮约10%-20%。但其实上浮利率不是一成不变的，会根据诸多因素而调整。据中国建设银行的工作人员介绍，5%为低的上浮利率。根据购房者自身综合条件不同，利率可能还会上调。他进一步解释道，只有在购房者资信情况良好，收入稳定的情况下，可以享受5%的上浮利率。如果资信情况不好，则会在5%的基础上再上浮几个点，并且放款时间也会延长。

而成都五大银行存款利率也出现了相应调整，具体上浮状况如下：

RDER-COLLAPSE: collapse;WIDTH: 450pt" cellspacing="0" cellpadding="0" width="598" border="0">
RDER-: windowtext 0.5pt solid;HEIGHT: 24.75pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 450pt;BACKGROUND-COLOR: #fcd5b4" height="33" width="598" colspan="6">                   2015年3月成都五大银行存款利率上浮现状调查
RDER-: windowtext;HEIGHT: 27pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: #f0f0f0;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 86pt;BACKGROUND-COLOR: lime" height="36" width="114">利率上浮（%）RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #f0f0f0;WIDTH: 75pt;BACKGROUND-COLOR: lime" width="100">中国建设银行RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 68pt;BACKGROUND-COLOR: lime" width="90">中国银行 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 73pt;BACKGROUND-COLOR: lime" width="97">中国工商银行RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 75pt;BACKGROUND-COLOR: lime" width="100">中国农业银行RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 73pt;BACKGROUND-COLOR: lime" width="97">中国交通银行
RDER-: windowtext 0.5pt solid;HEIGHT: 16.5pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 86pt;BACKGROUND-COLOR: transparent" height="22" width="114">三个月定期存款RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 75pt;BACKGROUND-COLOR: transparent" width="100">19.00 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 68pt;BACKGROUND-COLOR: transparent" width="90">11.90 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 73pt;BACKGROUND-COLOR: transparent" width="97">11.90 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 75pt;BACKGROUND-COLOR: transparent" width="100">11.90 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 73pt;BACKGROUND-COLOR: transparent" width="97">11.90
RDER-: windowtext;HEIGHT: 16.5pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 86pt;BACKGROUND-COLOR: transparent" height="22" width="114">半年RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 75pt;BACKGROUND-COLOR: transparent" width="100">17.00 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.80 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.80 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.80 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.80
RDER-: windowtext;HEIGHT: 16.5pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 86pt;BACKGROUND-COLOR: transparent" height="22" width="114">一年期RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 75pt;BACKGROUND-COLOR: transparent" width="100">16.00 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.00 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.00 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.00 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">10.00
RDER-: windowtext;HEIGHT: 16.5pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 86pt;BACKGROUND-COLOR: transparent" height="22" width="114">两年期RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 75pt;BACKGROUND-COLOR: transparent" width="100">4.80 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">4.80 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">4.80 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">4.80 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">4.80

成都五大国行存款利率调查情况表（数据仅供参考，实际以银行执行为准）

根据上述表格可以看到五大国有银行均对存款利率做出了调整，高上浮19%。中行、工行、农行、交行调整步调一致，而建行调整幅度更加大一些， 相同的是，建行三年期定存利率也是执行的央行基准利率。

不少业内人士分析，“央妈”频频“放水”，将一定程度上改善楼市预期，未来“量价齐涨”的可能性将会加大。此次降息将进一步刺激购房者的买房热情，也降低了购房者的入市门槛。

而对于开发商来说也是一个利好消息，在资金链整体紧张的情况下，贷款利率下调意味着开发商贷款难度、融资成本将会降低，加之此前存款准备金率下调的利好影响，将一定程度上缓解开发企业资金压力。

 

此次降息对储户来说，意味着短期存款利息的略微损失，但是对“房奴”来说，确是大大的利好，意味着贷款压力可以减轻。

交通银行

交通银行工作人员告诉记者，央行降息后的 天就有很多市民前来咨询新利率。遇到前来咨询的陈先生表示，现在银行调整存贷款利率的权限变大了，想了解一下哪一家的利率更加划算。他自己打算近期入手 套房，来对比一下几家银行商业贷款和公积金贷款分别能省多少？

RDER-COLLAPSE: collapse;WIDTH: 346pt" cellspacing="0" cellpadding="0" width="462" border="0">
RDER-: windowtext 0.5pt solid;HEIGHT: 21pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 346pt;BACKGROUND-COLOR: #ff9900" height="28" width="462" colspan="3">2015年金融机构人民币贷款基准利率调整表(单位：%)
RDER-: windowtext;HEIGHT: 42pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: white" height="56" rowspan="2">项目RDER-: windowtext 0.5pt solid;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" colspan="2">利率
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-: windowtext;HEIGHT: 18pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="24" width="220">商业贷款RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;WIDTH: 89pt;BACKGROUND-COLOR: white" width="119">
RDER-: #f0f0f0;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="24" width="220">六个月RDER-: #f0f0f0;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">5.6RDER-: #f0f0f0;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 89pt;BACKGROUND-COLOR: white" width="119">5.35
RDER-: black;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="24" width="220">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">5.6RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 89pt;BACKGROUND-COLOR: white" width="119">5.35
RDER-: black;HEIGHT: 17.25pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="23" width="220">一至五年RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">6RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 89pt;BACKGROUND-COLOR: white" width="119">5.75
RDER-: black;HEIGHT: 17.25pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="23" width="220">五年以上RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">6.15RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 89pt;BACKGROUND-COLOR: white" width="119">5.9
RDER-: black;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="24" width="220">个人住房公积金贷款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: 89pt;BACKGROUND-COLOR: white" width="119">
RDER-: black;HEIGHT: 17.25pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="23" width="220">五年以下（含五年）RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">3.75RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 89pt;BACKGROUND-COLOR: white" width="119">3.5
RDER-: black;HEIGHT: 18pt;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black 0.5pt solid;WIDTH: 165pt;BACKGROUND-COLOR: white" height="24" width="220">五年以上RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 92pt;BACKGROUND-COLOR: white" width="123">4.25RDER-: black;BORDER-RIGHT: black 0.5pt solid;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: black;WIDTH: 89pt;BACKGROUND-COLOR: white" width="119">4

那么降息后商业贷款和公积金贷款分别能省多少月供呢？我们来算了一笔账。

以一笔50万元20年期的首套房贷为例，以等额本息方式还款，此次降息以前，5年期以上贷款基准利率6.15%，月供3625.56元。若整个贷款期限内利率不变，利息总额370133.81元。

此次降息以后，上述贷款成本减轻。5年期贷款基准利率降至5.90%以后，月供变为3553.37元。若整个贷款期限内利率不变，利息总额352808.79元。也就是说，利息节约17325.02元，月供减少72.19元。

贷款

与贷款利率同时下降的还有住房公积金贷款利率，5年期以上由原先的4.25%降至4%，按夫妻双方高60万元公积金贷款20年计算的话，月供将从之前的3715元降至3636元，每月少还近80元。

通过上面的数据，可以得出，商业贷款和公积金贷款均能节省一些房贷利息，“房奴” 们也能减轻贷款压力。

那么哪家银行贷款才更加划算呢？记者根据走访发现，若是 置业并选择公积金贷款，可以选择建设银行、中国银行、工商银行和渣打银行，并且放款时间也比较快，1-2个月放款。

而改需客群选择农业银行、光大银行、交通银行，这些银行正在实行“认贷不认房”政策。如若要贷款100万以上，可选择汇丰银行，改银行贷款100万以上8.8折，贷款50万以上9.6折；二手房房龄10年内，放款速度快，在1个月左右放款。

降息降准对于中国房地产是短期“利好”机会，对于购房者来说，购房者应该把握好市场节奏的变化规律，赶在短期市场还没有完全复苏好转的阶段入市购房，也趁当下开发商资金面仍然相对紧张的阶段，选择购房性价比仍然较高的时机入市购房，把控好降准降息等“救市”政策短期红利带来的购房“窗口期”，该下手时就下手。

标签：降息中国人民银行

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