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ILoveCLangua

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2023-11-18

$英特尔(INTC)$ 后期翻倍

2023-09-01

尿壶又提出来了

央行、金融监管总局联合发布调整优化住房信贷政策的通知

2021-03-26

$百度(BIDU)$ 都被美国佬捡便宜了

2021-03-17

$一起教育科技(YQ)$高领会拉起的

2021-02-25

$微博(WB)$Q4财报呢？不是2月24日盘前吗？坑爹

2021-02-24

$微博(WB)$财报不是2月24日盘前，马上开盘了，还没出来呢

2021-02-19

这篇文章不错，转发给大家看

@心跳时刻:特斯拉投资见解

2021-01-26

10点45开始砸盘，11点10分又开始拉起[龇牙] [贱笑]

美股跳水，三大指数曾一度跌超1%

2020-11-13

$贝壳(BEKE)$16日盘前还是盘后发财报？

2020-11-13

16日盘前还是盘后出财报？

2020-07-31

$特斯拉(TSLA)$仅仅是个马达和电池组，竟然卖那么贵，哈哈龙头已来

2020-07-20

$Moderna, Inc.(MRNA)$抓紧卖了，情况不妙

2020-06-29

$携程网(TCOM)$长期看好携程，疫情过去，大家都憋疯了，肯定出去玩很多人

2020-06-18

$特斯拉(TSLA)$最后的挣扎，很明显多头也再清理头寸，赶快撤了

2020-06-18

$特斯拉(TSLA)$哈哈兄弟发财吧，清仓了，挣40%可以了，等回扯到600再进来！

2020-06-14

这篇文章不错，转发给大家看

@爱投资的小熊猫:用图形带你见证美股打新卖出操作方法，美股打新介绍

2020-06-12

$携程网(TCOM)$看好携程，端午节出行很多人，请三天假期，就是8天，一个长假，哈哈加油

2020-06-12

$特斯拉(TSLA)$哈哈清仓了，挣了30%，兄弟们留下发财，风险太大了，市值比丰田都高！真正新能源是丰田氢能源汽车

2020-06-10

开始割韭菜了，哈哈挣了30%，走了，兄弟们留下发财💰

2020-06-01

$特斯拉(TSLA)$)$ 火箭厂和车厂虽然是一个老板，但是业绩有毛线关联

去老虎APP查看更多动态

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后期翻倍","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/242641057480872","isVote":1,"tweetType":1,"viewCount":1053,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":214905586778256,"gmtCreate":1693499179000,"gmtModify":1693499181519,"author":{"id":"3471789705494853","authorId":"3471789705494853","name":"ILoveCLangua","avatar":"https://static.tigerbbs.com/a016e7c41d6623b416db05830fd5bef6","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3471789705494853","authorIdStr":"3471789705494853"},"themes":[],"htmlText":"尿壶又提出来了","listText":"尿壶又提出来了","text":"尿壶又提出来了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/214905586778256","repostId":"1168718384","repostType":2,"repost":{"id":"1168718384","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1693483614,"share":"https://www.laohu8.com/m/news/1168718384?lang=&edition=full","pubTime":"2023-08-31 20:06","market":"sh","language":"zh","title":"央行、金融监管总局联合发布调整优化住房信贷政策的通知","url":"https://stock-news.laohu8.com/highlight/detail?id=1168718384","media":"老虎资讯综合","summary":"首套住房商业性个人住房贷款最低首付款比例统一为不低于20%。","content":"<html><head></head><body><p>中国人民银行、国家金融监督管理总局关于调整优化差别化住房信贷政策的通知：对于贷款购买商品住房的居民家庭，首套住房商业性个人住房贷款最低首付款比例统一为不低于20%，二套住房商业性个人住房贷款最低首付款比例统一为不低于30%。</p><p>首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，二套住房商业性个人住房贷款利率政策下限调整为不低于相应期限贷款市场报价利率加20个基点。</p><h3 id=\"id_3108454866\" style=\"text-align: left;\">中国人民银行 国家金融监督管理总局关于调整优化差别化住房信贷政策的通知</h3><blockquote><p style=\"text-align: justify;\">中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</p><p style=\"text-align: justify;\">为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，适应我国房地产市场供求关系发生重大变化的新形势，更好满足刚性和改善性住房需求，促进房地产市场平稳健康发展，中国人民银行、国家金融监督管理总局决定调整优化差别化住房信贷政策。现就有关事项通知如下：</p><p style=\"text-align: justify;\">一、对于贷款购买商品住房的居民家庭，首套住房商业性个人住房贷款最低首付款比例统一为不低于20%，二套住房商业性个人住房贷款最低首付款比例统一为不低于30%。</p><p style=\"text-align: justify;\">二、首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，二套住房商业性个人住房贷款利率政策下限调整为不低于相应期限贷款市场报价利率加20个基点。</p><p style=\"text-align: justify;\">三、中国人民银行、国家金融监督管理总局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及当地政府调控要求，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最低首付款比例和利率下限。</p><p style=\"text-align: justify;\">四、银行业金融机构应根据各省级市场利率定价自律机制确定的最低首付款比例和利率下限，结合本机构经营状况、客户风险状况等因素，合理确定每笔贷款的具体首付款比例和利率水平。</p><p style=\"text-align: justify;\">中国人民银行</p><p style=\"text-align: justify;\">国家金融监督管理总局</p><p style=\"text-align: justify;\">2023年8月31日</p></blockquote><h3 id=\"id_497025456\" style=\"text-align: start;\">中国人民银行 国家金融监督管理总局关于降低存量首套住房贷款利率有关事项的通知</h3><blockquote><p style=\"text-align: justify;\">中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</p><p style=\"text-align: justify;\">为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，引导商业性个人住房贷款借贷双方有序调整优化资产负债，规范住房信贷市场秩序，现就降低存量首套住房商业性个人住房贷款利率有关事项通知如下：</p><p style=\"text-align: justify;\">一、存量首套住房商业性个人住房贷款，是指2023年8月31日前金融机构已发放的和已签订合同但未发放的首套住房商业性个人住房贷款，或借款人实际住房情况符合所在城市首套住房标准的其他存量住房商业性个人住房贷款。</p><p style=\"text-align: justify;\">二、自2023年9月25日起，存量首套住房商业性个人住房贷款的借款人可向承贷金融机构提出申请，由该金融机构新发放贷款置换存量首套住房商业性个人住房贷款。新发放贷款的利率水平由金融机构与借款人自主协商确定，但在贷款市场报价利率（LPR）上的加点幅度，不得低于原贷款发放时所在城市首套住房商业性个人住房贷款利率政策下限。新发放的贷款只能用于偿还存量首套住房商业性个人住房贷款，仍纳入商业性个人住房贷款管理。</p><p style=\"text-align: justify;\">三、自2023年9月25日起，存量首套住房商业性个人住房贷款的借款人亦可向承贷金融机构提出申请，协商变更合同约定的利率水平，变更后的贷款合同利率水平应符合本通知第二条的规定。</p><p style=\"text-align: justify;\">四、金融机构应严格落实相关监管要求，对借款人申请经营性贷款和个人消费贷款等贷款的用途进行穿透式、实质性审核，并明确提示风险。对存在协助借款人利用经营性贷款和个人消费贷款等违规置换存量商业性个人住房贷款行为的中介机构一律不得进行合作，并严肃处理存在上述行为的内部人员。</p><p style=\"text-align: justify;\">五、各金融机构要抓紧制定具体操作细则，做好组织实施，提高服务水平，及时响应借款人申请，尽可能采取便捷措施，降低借款人操作成本，确保本通知有关要求落实到位。</p><p style=\"text-align: justify;\">六、中国人民银行和金融监管总局各分支机构要将本通知立即转发辖内地方法人金融机构，督促贯彻执行，有效维护市场秩序。</p><p style=\"text-align: justify;\">本通知自2023年9月25日起实施。此前相关规定与本通知不一致的，以本通知为准。</p><p style=\"text-align: justify;\">中国人民银行</p><p style=\"text-align: justify;\">国家金融监督管理总局</p><p style=\"text-align: justify;\">2023年8月31日</p></blockquote><h3 id=\"id_2327595265\" style=\"text-align: start;\">中国人民银行、国家金融监督管理总局有关负责人就调整优化住房信贷政策有关问题答记者问</h3><blockquote><p style=\"text-align: justify;\">中国人民银行、金融监管总局8月31日联合发布《关于调整优化差别化住房信贷政策的通知》和《关于降低存量首套住房贷款利率有关事项的通知》。有关负责同志就政策调整回答了记者提问。</p><p style=\"text-align: justify;\"><strong>问：差别化住房信贷政策调整优化的背景是什么？</strong></p><p style=\"text-align: justify;\">答：7月24日中央政治局会议明确，适应我国房地产市场供求关系发生重大变化的新形势，适时调整优化房地产政策，因城施策用好政策工具箱。7月31日国务院常务会议提出，根据不同需求、不同城市等推出有利于房地产市场平稳健康发展的政策举措，加快研究构建房地产业新发展模式。</p><p style=\"text-align: justify;\">为贯彻落实党中央、国务院决策部署，中国人民银行、金融监管总局发布通知，对现行差别化住房信贷政策进行了调整优化，支持各地因城施策用好政策工具箱，引导个人住房贷款实际首付比例和利率下行，更好满足刚性和改善性住房需求。</p><p style=\"text-align: justify;\"><strong>问：此次差别化住房信贷政策调整优化的重点是什么？</strong></p><p style=\"text-align: justify;\">答：<strong>一是统一全国商业性个人住房贷款最低首付款比例政策下限。不再区分实施“限购”城市和不实施“限购”城市，首套住房和二套住房商业性个人住房贷款最低首付款比例政策下限统一为不低于20%和30%。</strong></p><p style=\"text-align: justify;\"><strong>二是将二套住房利率政策下限调整为不低于相应期限贷款市场报价利率（LPR）加20个基点。首套住房利率政策下限仍为不低于相应期限LPR减20个基点。</strong></p><p style=\"text-align: justify;\">各地可按照因城施策原则，根据当地房地产市场形势和调控需要，自主确定辖区内首套和二套住房最低首付款比例和利率下限。</p><p style=\"text-align: justify;\"><strong>问：为什么要降低存量首套住房贷款利率？</strong></p><p style=\"text-align: justify;\">答：近年来我国房地产市场供求关系发生了重大变化，借款人和银行对于有序调整优化资产负债均有诉求。存量住房贷款利率的下降，对借款人来说，可节约利息支出，有利于扩大消费和投资。对银行来说，可有效减少提前还贷现象，减轻对银行利息收入的影响。同时，还可压缩违规使用经营贷、消费贷置换存量住房贷款的空间，减少风险隐患。为更好适应上述新形势，中国人民银行、金融监管总局明确按照市场化、法治化原则，支持鼓励银行与借款人协商调整存量首套住房贷款利率。</p><p style=\"text-align: justify;\"><strong>问：哪些存量首套住房贷款可以申请降低利率？如何申请？</strong></p><p style=\"text-align: justify;\">答：符合条件的存量首套住房贷款是指，2023年8月31日前金融机构已发放，已签订合同但未发放的，以及借款人实际住房情况符合所在城市首套住房标准的存量住房商业性个人住房贷款。</p><p style=\"text-align: justify;\">对于符合条件的存量住房贷款，自2023年9月25日起，可由借款人主动向承贷银行提出申请，也鼓励银行以发布公告、批量办理等方式，为借款人提供更为便利的服务。调整方式上，既可以变更合同约定的住房贷款利率加点幅度，也可以由银行新发放贷款置换存量贷款。具体利率调整幅度由借贷双方协商确定，但调整后的利率，不能低于原贷款发放时所在城市的首套住房贷款利率政策下限。新发放贷款只能用于偿还存量贷款，仍纳入商业性个人住房贷款管理。</p><p style=\"text-align: justify;\">中国人民银行、金融监管总局将密切关注市场动态，引导银行与客户遵循市场化、法治化原则进行自主协商，有序降低存量住房贷款利率，维护好市场竞争秩序。</p></blockquote></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>央行、金融监管总局联合发布调整优化住房信贷政策的通知</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ 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}\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n央行、金融监管总局联合发布调整优化住房信贷政策的通知\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time\">2023-08-31 20:06</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>中国人民银行、国家金融监督管理总局关于调整优化差别化住房信贷政策的通知：对于贷款购买商品住房的居民家庭，首套住房商业性个人住房贷款最低首付款比例统一为不低于20%，二套住房商业性个人住房贷款最低首付款比例统一为不低于30%。</p><p>首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，二套住房商业性个人住房贷款利率政策下限调整为不低于相应期限贷款市场报价利率加20个基点。</p><h3 id=\"id_3108454866\" style=\"text-align: left;\">中国人民银行 国家金融监督管理总局关于调整优化差别化住房信贷政策的通知</h3><blockquote><p style=\"text-align: justify;\">中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</p><p style=\"text-align: justify;\">为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，适应我国房地产市场供求关系发生重大变化的新形势，更好满足刚性和改善性住房需求，促进房地产市场平稳健康发展，中国人民银行、国家金融监督管理总局决定调整优化差别化住房信贷政策。现就有关事项通知如下：</p><p style=\"text-align: justify;\">一、对于贷款购买商品住房的居民家庭，首套住房商业性个人住房贷款最低首付款比例统一为不低于20%，二套住房商业性个人住房贷款最低首付款比例统一为不低于30%。</p><p style=\"text-align: justify;\">二、首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，二套住房商业性个人住房贷款利率政策下限调整为不低于相应期限贷款市场报价利率加20个基点。</p><p style=\"text-align: justify;\">三、中国人民银行、国家金融监督管理总局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及当地政府调控要求，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最低首付款比例和利率下限。</p><p style=\"text-align: justify;\">四、银行业金融机构应根据各省级市场利率定价自律机制确定的最低首付款比例和利率下限，结合本机构经营状况、客户风险状况等因素，合理确定每笔贷款的具体首付款比例和利率水平。</p><p style=\"text-align: justify;\">中国人民银行</p><p style=\"text-align: justify;\">国家金融监督管理总局</p><p style=\"text-align: justify;\">2023年8月31日</p></blockquote><h3 id=\"id_497025456\" style=\"text-align: start;\">中国人民银行 国家金融监督管理总局关于降低存量首套住房贷款利率有关事项的通知</h3><blockquote><p style=\"text-align: justify;\">中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</p><p style=\"text-align: justify;\">为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，引导商业性个人住房贷款借贷双方有序调整优化资产负债，规范住房信贷市场秩序，现就降低存量首套住房商业性个人住房贷款利率有关事项通知如下：</p><p style=\"text-align: justify;\">一、存量首套住房商业性个人住房贷款，是指2023年8月31日前金融机构已发放的和已签订合同但未发放的首套住房商业性个人住房贷款，或借款人实际住房情况符合所在城市首套住房标准的其他存量住房商业性个人住房贷款。</p><p style=\"text-align: justify;\">二、自2023年9月25日起，存量首套住房商业性个人住房贷款的借款人可向承贷金融机构提出申请，由该金融机构新发放贷款置换存量首套住房商业性个人住房贷款。新发放贷款的利率水平由金融机构与借款人自主协商确定，但在贷款市场报价利率（LPR）上的加点幅度，不得低于原贷款发放时所在城市首套住房商业性个人住房贷款利率政策下限。新发放的贷款只能用于偿还存量首套住房商业性个人住房贷款，仍纳入商业性个人住房贷款管理。</p><p style=\"text-align: justify;\">三、自2023年9月25日起，存量首套住房商业性个人住房贷款的借款人亦可向承贷金融机构提出申请，协商变更合同约定的利率水平，变更后的贷款合同利率水平应符合本通知第二条的规定。</p><p style=\"text-align: justify;\">四、金融机构应严格落实相关监管要求，对借款人申请经营性贷款和个人消费贷款等贷款的用途进行穿透式、实质性审核，并明确提示风险。对存在协助借款人利用经营性贷款和个人消费贷款等违规置换存量商业性个人住房贷款行为的中介机构一律不得进行合作，并严肃处理存在上述行为的内部人员。</p><p style=\"text-align: justify;\">五、各金融机构要抓紧制定具体操作细则，做好组织实施，提高服务水平，及时响应借款人申请，尽可能采取便捷措施，降低借款人操作成本，确保本通知有关要求落实到位。</p><p style=\"text-align: justify;\">六、中国人民银行和金融监管总局各分支机构要将本通知立即转发辖内地方法人金融机构，督促贯彻执行，有效维护市场秩序。</p><p style=\"text-align: justify;\">本通知自2023年9月25日起实施。此前相关规定与本通知不一致的，以本通知为准。</p><p style=\"text-align: justify;\">中国人民银行</p><p style=\"text-align: justify;\">国家金融监督管理总局</p><p style=\"text-align: justify;\">2023年8月31日</p></blockquote><h3 id=\"id_2327595265\" style=\"text-align: start;\">中国人民银行、国家金融监督管理总局有关负责人就调整优化住房信贷政策有关问题答记者问</h3><blockquote><p style=\"text-align: justify;\">中国人民银行、金融监管总局8月31日联合发布《关于调整优化差别化住房信贷政策的通知》和《关于降低存量首套住房贷款利率有关事项的通知》。有关负责同志就政策调整回答了记者提问。</p><p style=\"text-align: justify;\"><strong>问：差别化住房信贷政策调整优化的背景是什么？</strong></p><p style=\"text-align: justify;\">答：7月24日中央政治局会议明确，适应我国房地产市场供求关系发生重大变化的新形势，适时调整优化房地产政策，因城施策用好政策工具箱。7月31日国务院常务会议提出，根据不同需求、不同城市等推出有利于房地产市场平稳健康发展的政策举措，加快研究构建房地产业新发展模式。</p><p style=\"text-align: justify;\">为贯彻落实党中央、国务院决策部署，中国人民银行、金融监管总局发布通知，对现行差别化住房信贷政策进行了调整优化，支持各地因城施策用好政策工具箱，引导个人住房贷款实际首付比例和利率下行，更好满足刚性和改善性住房需求。</p><p style=\"text-align: justify;\"><strong>问：此次差别化住房信贷政策调整优化的重点是什么？</strong></p><p style=\"text-align: justify;\">答：<strong>一是统一全国商业性个人住房贷款最低首付款比例政策下限。不再区分实施“限购”城市和不实施“限购”城市，首套住房和二套住房商业性个人住房贷款最低首付款比例政策下限统一为不低于20%和30%。</strong></p><p style=\"text-align: justify;\"><strong>二是将二套住房利率政策下限调整为不低于相应期限贷款市场报价利率（LPR）加20个基点。首套住房利率政策下限仍为不低于相应期限LPR减20个基点。</strong></p><p style=\"text-align: justify;\">各地可按照因城施策原则，根据当地房地产市场形势和调控需要，自主确定辖区内首套和二套住房最低首付款比例和利率下限。</p><p style=\"text-align: justify;\"><strong>问：为什么要降低存量首套住房贷款利率？</strong></p><p style=\"text-align: justify;\">答：近年来我国房地产市场供求关系发生了重大变化，借款人和银行对于有序调整优化资产负债均有诉求。存量住房贷款利率的下降，对借款人来说，可节约利息支出，有利于扩大消费和投资。对银行来说，可有效减少提前还贷现象，减轻对银行利息收入的影响。同时，还可压缩违规使用经营贷、消费贷置换存量住房贷款的空间，减少风险隐患。为更好适应上述新形势，中国人民银行、金融监管总局明确按照市场化、法治化原则，支持鼓励银行与借款人协商调整存量首套住房贷款利率。</p><p style=\"text-align: justify;\"><strong>问：哪些存量首套住房贷款可以申请降低利率？如何申请？</strong></p><p style=\"text-align: justify;\">答：符合条件的存量首套住房贷款是指，2023年8月31日前金融机构已发放，已签订合同但未发放的，以及借款人实际住房情况符合所在城市首套住房标准的存量住房商业性个人住房贷款。</p><p style=\"text-align: justify;\">对于符合条件的存量住房贷款，自2023年9月25日起，可由借款人主动向承贷银行提出申请，也鼓励银行以发布公告、批量办理等方式，为借款人提供更为便利的服务。调整方式上，既可以变更合同约定的住房贷款利率加点幅度，也可以由银行新发放贷款置换存量贷款。具体利率调整幅度由借贷双方协商确定，但调整后的利率，不能低于原贷款发放时所在城市的首套住房贷款利率政策下限。新发放贷款只能用于偿还存量贷款，仍纳入商业性个人住房贷款管理。</p><p style=\"text-align: justify;\">中国人民银行、金融监管总局将密切关注市场动态，引导银行与客户遵循市场化、法治化原则进行自主协商，有序降低存量住房贷款利率，维护好市场竞争秩序。</p></blockquote></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/c3c5822c22b6cfd1d0ae2625b7bc085e","relate_stocks":{"000001.SH":"上证指数"},"source_url":"","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1168718384","content_text":"中国人民银行、国家金融监督管理总局关于调整优化差别化住房信贷政策的通知：对于贷款购买商品住房的居民家庭，首套住房商业性个人住房贷款最低首付款比例统一为不低于20%，二套住房商业性个人住房贷款最低首付款比例统一为不低于30%。首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，二套住房商业性个人住房贷款利率政策下限调整为不低于相应期限贷款市场报价利率加20个基点。中国人民银行 国家金融监督管理总局关于调整优化差别化住房信贷政策的通知中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，适应我国房地产市场供求关系发生重大变化的新形势，更好满足刚性和改善性住房需求，促进房地产市场平稳健康发展，中国人民银行、国家金融监督管理总局决定调整优化差别化住房信贷政策。现就有关事项通知如下：一、对于贷款购买商品住房的居民家庭，首套住房商业性个人住房贷款最低首付款比例统一为不低于20%，二套住房商业性个人住房贷款最低首付款比例统一为不低于30%。二、首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，二套住房商业性个人住房贷款利率政策下限调整为不低于相应期限贷款市场报价利率加20个基点。三、中国人民银行、国家金融监督管理总局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及当地政府调控要求，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最低首付款比例和利率下限。四、银行业金融机构应根据各省级市场利率定价自律机制确定的最低首付款比例和利率下限，结合本机构经营状况、客户风险状况等因素，合理确定每笔贷款的具体首付款比例和利率水平。中国人民银行国家金融监督管理总局2023年8月31日中国人民银行 国家金融监督管理总局关于降低存量首套住房贷款利率有关事项的通知中国人民银行上海总部，各省、自治区、直辖市、计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：为落实党中央、国务院决策部署，坚持房子是用来住的、不是用来炒的定位，引导商业性个人住房贷款借贷双方有序调整优化资产负债，规范住房信贷市场秩序，现就降低存量首套住房商业性个人住房贷款利率有关事项通知如下：一、存量首套住房商业性个人住房贷款，是指2023年8月31日前金融机构已发放的和已签订合同但未发放的首套住房商业性个人住房贷款，或借款人实际住房情况符合所在城市首套住房标准的其他存量住房商业性个人住房贷款。二、自2023年9月25日起，存量首套住房商业性个人住房贷款的借款人可向承贷金融机构提出申请，由该金融机构新发放贷款置换存量首套住房商业性个人住房贷款。新发放贷款的利率水平由金融机构与借款人自主协商确定，但在贷款市场报价利率（LPR）上的加点幅度，不得低于原贷款发放时所在城市首套住房商业性个人住房贷款利率政策下限。新发放的贷款只能用于偿还存量首套住房商业性个人住房贷款，仍纳入商业性个人住房贷款管理。三、自2023年9月25日起，存量首套住房商业性个人住房贷款的借款人亦可向承贷金融机构提出申请，协商变更合同约定的利率水平，变更后的贷款合同利率水平应符合本通知第二条的规定。四、金融机构应严格落实相关监管要求，对借款人申请经营性贷款和个人消费贷款等贷款的用途进行穿透式、实质性审核，并明确提示风险。对存在协助借款人利用经营性贷款和个人消费贷款等违规置换存量商业性个人住房贷款行为的中介机构一律不得进行合作，并严肃处理存在上述行为的内部人员。五、各金融机构要抓紧制定具体操作细则，做好组织实施，提高服务水平，及时响应借款人申请，尽可能采取便捷措施，降低借款人操作成本，确保本通知有关要求落实到位。六、中国人民银行和金融监管总局各分支机构要将本通知立即转发辖内地方法人金融机构，督促贯彻执行，有效维护市场秩序。本通知自2023年9月25日起实施。此前相关规定与本通知不一致的，以本通知为准。中国人民银行国家金融监督管理总局2023年8月31日中国人民银行、国家金融监督管理总局有关负责人就调整优化住房信贷政策有关问题答记者问中国人民银行、金融监管总局8月31日联合发布《关于调整优化差别化住房信贷政策的通知》和《关于降低存量首套住房贷款利率有关事项的通知》。有关负责同志就政策调整回答了记者提问。问：差别化住房信贷政策调整优化的背景是什么？答：7月24日中央政治局会议明确，适应我国房地产市场供求关系发生重大变化的新形势，适时调整优化房地产政策，因城施策用好政策工具箱。7月31日国务院常务会议提出，根据不同需求、不同城市等推出有利于房地产市场平稳健康发展的政策举措，加快研究构建房地产业新发展模式。为贯彻落实党中央、国务院决策部署，中国人民银行、金融监管总局发布通知，对现行差别化住房信贷政策进行了调整优化，支持各地因城施策用好政策工具箱，引导个人住房贷款实际首付比例和利率下行，更好满足刚性和改善性住房需求。问：此次差别化住房信贷政策调整优化的重点是什么？答：一是统一全国商业性个人住房贷款最低首付款比例政策下限。不再区分实施“限购”城市和不实施“限购”城市，首套住房和二套住房商业性个人住房贷款最低首付款比例政策下限统一为不低于20%和30%。二是将二套住房利率政策下限调整为不低于相应期限贷款市场报价利率（LPR）加20个基点。首套住房利率政策下限仍为不低于相应期限LPR减20个基点。各地可按照因城施策原则，根据当地房地产市场形势和调控需要，自主确定辖区内首套和二套住房最低首付款比例和利率下限。问：为什么要降低存量首套住房贷款利率？答：近年来我国房地产市场供求关系发生了重大变化，借款人和银行对于有序调整优化资产负债均有诉求。存量住房贷款利率的下降，对借款人来说，可节约利息支出，有利于扩大消费和投资。对银行来说，可有效减少提前还贷现象，减轻对银行利息收入的影响。同时，还可压缩违规使用经营贷、消费贷置换存量住房贷款的空间，减少风险隐患。为更好适应上述新形势，中国人民银行、金融监管总局明确按照市场化、法治化原则，支持鼓励银行与借款人协商调整存量首套住房贷款利率。问：哪些存量首套住房贷款可以申请降低利率？如何申请？答：符合条件的存量首套住房贷款是指，2023年8月31日前金融机构已发放，已签订合同但未发放的，以及借款人实际住房情况符合所在城市首套住房标准的存量住房商业性个人住房贷款。对于符合条件的存量住房贷款，自2023年9月25日起，可由借款人主动向承贷银行提出申请，也鼓励银行以发布公告、批量办理等方式，为借款人提供更为便利的服务。调整方式上，既可以变更合同约定的住房贷款利率加点幅度，也可以由银行新发放贷款置换存量贷款。具体利率调整幅度由借贷双方协商确定，但调整后的利率，不能低于原贷款发放时所在城市的首套住房贷款利率政策下限。新发放贷款只能用于偿还存量贷款，仍纳入商业性个人住房贷款管理。中国人民银行、金融监管总局将密切关注市场动态，引导银行与客户遵循市场化、法治化原则进行自主协商，有序降低存量住房贷款利率，维护好市场竞争秩序。","news_type":1},"isVote":1,"tweetType":1,"viewCount":1126,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":356879352,"gmtCreate":1616769984176,"gmtModify":1616769984176,"author":{"id":"3471789705494853","authorId":"3471789705494853","name":"ILoveCLangua","avatar":"https://static.tigerbbs.com/a016e7c41d6623b416db05830fd5bef6","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3471789705494853","authorIdStr":"3471789705494853"},"themes":[],"htmlText":"<a 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target=\"_blank\" href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$</a>Part 01&nbsp;特斯拉的产品很多人可能不知道，特斯拉除了生产新能源汽车及零配件，它还有Solar Roof和Powerwall即太阳能屋顶和储能电池。不过这方面从财报推算应该是处于亏损状态，但是我们需知道特斯拉这个公司的产品逻辑：太阳能屋顶可以将太阳能转化为电能，储能电池可以将转化来的电能储存供家庭用电及特斯拉汽车充电，这样形成一个闭环，只要太阳存在，人们的生活及出行用电即可做到可持续。（当然Elon&nbsp;Musk搞这些产品的真实目的是为移民火星做铺垫）。关于特斯拉汽车的7大产品，4个产品已上市，3个产品开发中。在售的4款产品：Model S、3、X、Y。其中，Model S及X 21年2月份迎来改款上市，其性能相当爆炸。Model S Plaid版财报公布百公里加速小于2s，是世界上量产车型加速最快汽车，没有之一。中国特斯拉官网已公布其售价为117.49万RMB，续航里程840+km，百万级的价格千万级的驾驶体验。开发中的3款产品：Semi、Cybertruck、Roadster。Semi是一辆电动卡车，公开资料看其满载可以达到40吨，续航里程最高可达1000km，按照Musk财报说法待特斯拉4680电池量产后，Semi即可搭载4680电池上市，同时Semi也可能是最先实现无人驾驶的汽车，乐观预计最早会在21年底上市。Cybertruck为一辆电动皮卡，设计极为科幻。还记19年Cybertruck的发布会铅球砸玻璃的翻车现场吗？不过3.99万美元起可以买到拖拽力极强的防弹皮卡，对全球皮卡市场来说是非","listText":"特斯拉是一家领先全球的新能源汽车制造龙头，是一家推动全球可持续性发展的企业，更是一家未来市值可能超越苹果成为全球第一市值的公司。<a target=\"_blank\" href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$</a>Part 01&nbsp;特斯拉的产品很多人可能不知道，特斯拉除了生产新能源汽车及零配件，它还有Solar Roof和Powerwall即太阳能屋顶和储能电池。不过这方面从财报推算应该是处于亏损状态，但是我们需知道特斯拉这个公司的产品逻辑：太阳能屋顶可以将太阳能转化为电能，储能电池可以将转化来的电能储存供家庭用电及特斯拉汽车充电，这样形成一个闭环，只要太阳存在，人们的生活及出行用电即可做到可持续。（当然Elon&nbsp;Musk搞这些产品的真实目的是为移民火星做铺垫）。关于特斯拉汽车的7大产品，4个产品已上市，3个产品开发中。在售的4款产品：Model S、3、X、Y。其中，Model S及X 21年2月份迎来改款上市，其性能相当爆炸。Model S Plaid版财报公布百公里加速小于2s，是世界上量产车型加速最快汽车，没有之一。中国特斯拉官网已公布其售价为117.49万RMB，续航里程840+km，百万级的价格千万级的驾驶体验。开发中的3款产品：Semi、Cybertruck、Roadster。Semi是一辆电动卡车，公开资料看其满载可以达到40吨，续航里程最高可达1000km，按照Musk财报说法待特斯拉4680电池量产后，Semi即可搭载4680电池上市，同时Semi也可能是最先实现无人驾驶的汽车，乐观预计最早会在21年底上市。Cybertruck为一辆电动皮卡，设计极为科幻。还记19年Cybertruck的发布会铅球砸玻璃的翻车现场吗？不过3.99万美元起可以买到拖拽力极强的防弹皮卡，对全球皮卡市场来说是非","text":"特斯拉是一家领先全球的新能源汽车制造龙头，是一家推动全球可持续性发展的企业，更是一家未来市值可能超越苹果成为全球第一市值的公司。$特斯拉(TSLA)$Part 01 特斯拉的产品很多人可能不知道，特斯拉除了生产新能源汽车及零配件，它还有Solar Roof和Powerwall即太阳能屋顶和储能电池。不过这方面从财报推算应该是处于亏损状态，但是我们需知道特斯拉这个公司的产品逻辑：太阳能屋顶可以将太阳能转化为电能，储能电池可以将转化来的电能储存供家庭用电及特斯拉汽车充电，这样形成一个闭环，只要太阳存在，人们的生活及出行用电即可做到可持续。（当然Elon Musk搞这些产品的真实目的是为移民火星做铺垫）。关于特斯拉汽车的7大产品，4个产品已上市，3个产品开发中。在售的4款产品：Model S、3、X、Y。其中，Model S及X 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[贱笑]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/319482123","repostId":"1150865098","repostType":4,"repost":{"id":"1150865098","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1611591267,"share":"https://www.laohu8.com/m/news/1150865098?lang=&edition=full","pubTime":"2021-01-26 00:14","market":"other","language":"zh","title":"美股跳水，三大指数曾一度跌超1%","url":"https://stock-news.laohu8.com/highlight/detail?id=1150865098","media":"老虎资讯综合","summary":"1月26日讯，美股跳水，三大指数均跌超1%，现纳指、标普500指数跌幅收窄。部分中概股也跳水，雾芯科技跌7%，此前一度涨近20%。小鹏汽车、蔚来、哔哩哔哩、百度集体跳水。美股科技股也集体跳水。VIX波","content":"<p>1月26日讯，美股跳水，三大指数均跌超1%，现纳指、标普500指数跌幅收窄。</p><p><img src=\"https://static.tigerbbs.com/027a35dcbf874960e99f30c32e6ab0cf\" tg-width=\"1242\" tg-height=\"655\" referrerpolicy=\"no-referrer\"></p><p>部分中概股也跳水，雾芯科技跌7%，此前一度涨近20%。小鹏汽车、蔚来、哔哩哔哩、百度集体跳水。美股科技股也集体跳水。</p><p>VIX波动率日内涨幅达14.0%，报25.01。</p><p>10年期美债收益率刷新日低至1.0397%，日内下跌约4.5个基点。</p><p>现货白银日内跌0.9%，现货黄金跌约0.2%。</p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>美股跳水，三大指数曾一度跌超1%</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; 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margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n美股跳水，三大指数曾一度跌超1%\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">老虎资讯综合 </p>\n<p class=\"h-time\">2021-01-26 00:14</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<p>1月26日讯，美股跳水，三大指数均跌超1%，现纳指、标普500指数跌幅收窄。</p><p><img src=\"https://static.tigerbbs.com/027a35dcbf874960e99f30c32e6ab0cf\" tg-width=\"1242\" tg-height=\"655\" referrerpolicy=\"no-referrer\"></p><p>部分中概股也跳水，雾芯科技跌7%，此前一度涨近20%。小鹏汽车、蔚来、哔哩哔哩、百度集体跳水。美股科技股也集体跳水。</p><p>VIX波动率日内涨幅达14.0%，报25.01。</p><p>10年期美债收益率刷新日低至1.0397%，日内下跌约4.5个基点。</p><p>现货白银日内跌0.9%，现货黄金跌约0.2%。</p>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/347452cc99fb488c45ccd900fcf3aa20","relate_stocks":{"SPY":"标普500ETF",".IXIC":"NASDAQ Composite",".DJI":"道琼斯",".SPX":"S&P 500 Index"},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1150865098","content_text":"1月26日讯，美股跳水，三大指数均跌超1%，现纳指、标普500指数跌幅收窄。部分中概股也跳水，雾芯科技跌7%，此前一度涨近20%。小鹏汽车、蔚来、哔哩哔哩、百度集体跳水。美股科技股也集体跳水。VIX波动率日内涨幅达14.0%，报25.01。10年期美债收益率刷新日低至1.0397%，日内下跌约4.5个基点。现货白银日内跌0.9%，现货黄金跌约0.2%。","news_type":1},"isVote":1,"tweetType":1,"viewCount":1473,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":304430217,"gmtCreate":1605278946739,"gmtModify":1703837212192,"author":{"id":"3471789705494853","authorId":"3471789705494853","name":"ILoveCLangua","avatar":"https://static.tigerbbs.com/a016e7c41d6623b416db05830fd5bef6","crmLevel":2,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3471789705494853","authorIdStr":"3471789705494853"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/BEKE\">$贝壳(BEKE)$</a>16日盘前还是盘后发财报？","listText":"<a 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