5 年期以上 LPR 再降 15 個基點 100 萬元房貸 30 年減少 3.18 萬元

智通財經
2022.08.22 01:23
最新一期貸款市場報價利率出爐，五年期 LPR 下調至 4.3%，此前為 4.45%。如以商貸額度 100 萬元、貸款 30 年、等額本息還款方式計算，此次 LPR 下降 15 個基點，月供減少 88.48 元，累積 30 年月供減少 3.18 萬元。之前央行降低首套房貸利率 20 個基點，此次 LPR 下調後降息效應將疊加，首套房貸款利率低至 4.1%，已低於 2009 年房貸利率打七折後的 4.156%。
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