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现在至以后房贷利率选固定还是浮动?中央宏观政策支持利率下行

2020-07-01 16:28:04    来源:中国质量万里行

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XUANZELPRHOUDEFANGDAILILV=LPR+GUDINGZHI。GUDINGZHI=DANGQIANFANGDAILILV-4.8%(4.8%SHI2019NIAN12YUEDELPRLILVZHI,YESHIMUQIANGUOJIAJICHUDECANKAOZHI)

WOMENJIASHENIDANGQIANDEFANGDAILILVSHI4.9%。NEIMEGUDINGZHI=4.9%-4.8%=0.1%。RUGUOXUANZELPRLILV,NIJINHOUDEFANGDAILILV=LPR+0.1%。YIHOUYIZHIANZHEIZHONGSUANFA,GUDINGZHI0.1%SHIBUHUIBIANDE。WOMENJIASHE2025NIANLPRFUDONGLILVWEI3%,NEIMENIHAIFANGDAIDELILVJIUSHI3.1%。

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