存量首套房貸利率調整後 幾千萬户、上億居民的財務負擔會有明顯下降

智通財經
2023.08.31 12:14
中國人民銀行、國家金融監督管理總局下發《關於降低存量首套住房貸款利率有關事項的通知》，近期各方政策措施的出台，將有力地支持房地產市場健康有序發展。降低存量房貸利率可節約居民利息負擔。存量首套住房商業性個人住房貸款利率調整後，幾千萬户、上億居民的財務負擔會有明顯下降，平均降幅大約為 0.8 個百分點。以 100 萬元、25 年期、原利率 5.1% 的存量房貸為例，假設房貸利率降至 4.3%，可節約借款人利息支出每年超 5000 元，可以不用再節衣縮食提前還貸，顯著增加消費能力。
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