夜袭女儿国
2022-05-15
房子是用来住的不是用来炒的,这是背道而驰吗?
[捂脸]
[捂脸]
[捂脸]
[捂脸]
[捂脸]
[捂脸]
差别化住房信贷政策调整对居民家庭有何影响?
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念念悠然
2022-05-15
念念悠然
房子住或者不住,它还在。
绿洲_0484
2022-05-15
绿洲_0484
点解点解
慢慢变富的虎叔
2022-05-15
慢慢变富的虎叔
666
好好好运来
2022-05-15
好好好运来
对
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</span></p></body></html>","text":"房子是用来住的不是用来炒的,这是背道而驰吗?[捂脸] [捂脸] [捂脸] [捂脸] [捂脸] [捂脸]","highlighted":1,"essential":1,"paper":1,"likeSize":15,"commentSize":5,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/612767810","repostId":2235446622,"repostType":2,"repost":{"id":"2235446622","kind":"highlight","pubTimestamp":1652596200,"share":"https://www.laohu8.com/m/news/2235446622?lang=&edition=full","pubTime":"2022-05-15 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href=http://finance.eastmoney.com/a/202205152379509690_0.html><strong>新京报</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>推荐相关:突发!楼市最重磅利好来了,房贷将大幅度降息20个基点摘要:通知主要针对新发放商业性个人住房贷款,存量商业性个人住房贷款利率仍按原合同执行。政策调整后,全国层面首套住房商业性个人住房贷款利率下限由不低于相应期限贷款市场报价利率(LPR)调整为不低于相应期限LPR减20个基点(按4月20发布的5年期以上LPR计算为4.4%),如所在城市政策下限和银行具体执行利率跟随全国政策同步下调,居民家庭...</p>\n\n<a href=\"http://finance.eastmoney.com/a/202205152379509690_0.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/2e957ee0d4313130a78dae0c849b5526","relate_stocks":{"BK1148":"建筑与工程","09979":"绿城管理控股"},"source_url":"http://finance.eastmoney.com/a/202205152379509690_0.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2235446622","content_text":"推荐相关:突发!楼市最重磅利好来了,房贷将大幅度降息20个基点摘要:通知主要针对新发放商业性个人住房贷款,存量商业性个人住房贷款利率仍按原合同执行。政策调整后,全国层面首套住房商业性个人住房贷款利率下限由不低于相应期限贷款市场报价利率(LPR)调整为不低于相应期限LPR减20个基点(按4月20发布的5年期以上LPR计算为4.4%),如所在城市政策下限和银行具体执行利率跟随全国政策同步下调,居民家庭申请贷款购买首套普通自住房时,利息支出会有所减少。按贷款金额50万元、期限30年、等额本息还款估算,利率下调20个基点,平均每月可减少月供支出约60元,未来30年内共减少利息支出约2万元。5月15日,中国人民银行、中国银行保险监督管理委员会发布调整差别化住房信贷政策有关问题的通知。为坚持房子是用来住的、不是用来炒的定位,全面落实房地产长效机制,支持各地从当地实际出发完善房地产政策,支持刚性和改善性住房需求,促进房地产市场平稳健康发展,按照国务院有关部署,现就差别化住房信贷政策有关事项通知如下:一、对于贷款购买普通自住房的居民家庭,首套住房商业性个人住房贷款利率下限调整为不低于相应期限贷款市场报价利率减20个基点,二套住房商业性个人住房贷款利率政策下限按现行规定执行。二、在全国统一的贷款利率下限基础上,人民银行、银保监会各派出机构按照“因城施策”的原则,指导各省级市场利率定价自律机制,根据辖区内各城市房地产市场形势变化及城市政府调控要求,自主确定辖区内各城市首套和二套住房商业性个人住房贷款利率加点下限。新京报贝壳财经记者采访相关专家,对此政策做出解读。坚持“房住不炒”专家表示,个人住房贷款利率政策是房地产长效机制和差别化住房信贷政策的重要内容。为坚持房子是用来住的、不是用来炒的定位,全面落实房地产长效机制,支持各地从当地实际出发完善房地产政策,支持刚性和改善型住房需求,促进房地产市场平稳健康发展,按照国务院有关部署,人民银行、银保监会联合发布通知,明确商业性个人住房贷款利率政策下限调整有关事项。遵循“因城施策”原则我国房地产市场区域特征明显,个人住房贷款利率的确定遵循“因城施策”原则,采用“全国+地方+银行”三层确定机制。本次调整主要针对全国层面首套住房商业性个人住房贷款利率政策下限,二套住房商业性个人住房贷款利率政策下限仍按现行规定执行。在全国统一的贷款利率下限基础上,地方层面,由人民银行、银保监会各派出机构按照“因城施策”原则,指导各省级市场利率定价自律机制,根据辖区内各城市房地产市场形势变化及城市政府调控要求,自主确定辖区内各城市首套和二套住房商业性个人住房贷款利率加点下限调整方向,可选择跟随全国下限下调,也可保持不动或适度上调,维持区域房地产市场稳定。在城市贷款利率下限基础上,银行业金融机构结合自身经营情况、客户风险状况和信贷条件等因素,合理确定每笔贷款的具体加点数值。对于居民家庭有什么影响?30年期50万贷款利息可节省2万元通知主要针对新发放商业性个人住房贷款,存量商业性个人住房贷款利率仍按原合同执行。政策调整后,全国层面首套住房商业性个人住房贷款利率下限由不低于相应期限贷款市场报价利率(LPR)调整为不低于相应期限LPR减20个基点(按4月20发布的5年期以上LPR计算为4.4%),如所在城市政策下限和银行具体执行利率跟随全国政策同步下调,居民家庭申请贷款购买首套普通自住房时,利息支出会有所减少。按贷款金额50万元、期限30年、等额本息还款估算,利率下调20个基点,平均每月可减少月供支出约60元,未来30年内共减少利息支出约2万元。","news_type":1},"isVote":1,"tweetType":1,"viewCount":615,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"CN","currentLanguage":"CN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":78,"xxTargetLangEnum":"ZH_CN"},"commentList":[{"id":7415584,"commentId":"7415584","gmtCreate":1652600707380,"gmtModify":1652600709208,"authorId":4108710636197720,"author":{"id":4108710636197720,"idStr":"4108710636197720","authorId":4108710636197720,"name":"念念悠然","avatar":"https://static.tigerbbs.com/2e7abc2af20fbaa563c5363a997107cc","vip":1,"currentWearingBadge":{"badgeId":"228c86a078844d74991fff2b7ab2428d-3","templateUuid":"228c86a078844d74991fff2b7ab2428d","name":"投资合伙人虎","description":"证券账户累计交易金额达到100万美元","bigImgUrl":"https://static.tigerbbs.com/fbeac6bb240db7da8b972e5183d050ba","smallImgUrl":"https://static.tigerbbs.com/436cdf80292b99f0a992e78750ac4e3a","grayImgUrl":"https://static.tigerbbs.com/506a259a7b456f037592c3b23c779599","redirectLinkEnabled":0,"hasAllocated":1,"isWearing":1,"stampPosition":0,"hasStamp":0,"allocationCount":1,"allocatedDate":"2023.01.21","exceedPercentage":"93.56%","individualDisplayEnabled":0,"individualDisplaySort":0,"categoryType":1101},"crmLevel":4,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":612767810,"objectIdStr":"612767810","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"房子住或者不住,它还在。","text":"房子住或者不住,它还在。","html":"房子住或者不住,它还在。","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"valid","coins":0,"score":0},{"id":7415594,"commentId":"7415594","gmtCreate":1652600979749,"gmtModify":1652600981196,"authorId":3518221674722100,"author":{"id":3518221674722100,"idStr":"3518221674722100","authorId":3518221674722100,"name":"绿洲_0484","avatar":"https://static.tigerbbs.com/868f7ae761929a459bb621f974be2649","vip":1,"crmLevel":2,"crmLevelSwitch":0,"individualDisplayBadges":[]},"repliedAuthorId":0,"objectId":612767810,"objectIdStr":"612767810","type":1,"supId":0,"supIdStr":"0","prevId":0,"prevIdStr":"0","content":"点解点解","text":"点解点解","html":"点解点解","likeSize":0,"commentSize":0,"subComments":[],"verified":10,"allocateAmount":0,"commentType":"invalid","coins":0,"score":0},{"id":7415579,"commentId":"7415579","gmtCreate":1652600531994,"gmtModify":1652600533604,"authorId":3550571495901500,"author":{"id":3550571495901500,"idStr":"3550571495901500","authorId":3550571495901500,"name":"慢慢变富的虎叔","avatar":"https://static.tigerbbs.com/984260269d8c20088c60b298118039c0","vip":1,"currentWearingBadge":{"badgeId":"35ec162348d5460f88c959321e554969-1","templateUuid":"35ec162348d5460f88c959321e554969","name":"精英交易员","description":"证券或期货账户累计交易次数达到30次","bigImgUrl":"https://static.tigerbbs.com/ab0f87127c854ce3191a752d57b46edc","smallImgUrl":"https://static.tigerbbs.com/c9835ce48b8c8743566d344ac7a7ba8c","grayImgUrl":"https://s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