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央行拯救房贷泥潭中的你!3个月后,29万亿元房

文章出处:未知 人气:发表时间:2020-01-06

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每一个背负了房贷的人,绝对想不到,进入2020年头的时候,央行会送来一份大礼。

 

2019NIAN12YUE28RI,ZHONGGUORENMINYINXING(YANGXING)FABUNIANNEIDI30HAOGONGGAO。GONGGAOZHONGDEWENZIFEICHANGZHUANYE、HUISE,BUSHIJINRONGZHUANYECHUSHENDEREN,HUIJUEDEYUNLIWULI,YETIHUIBUDAOZHEIZEGONGGAODESHISHIJIZUOYONG。

 

MINGGEYONGQIANXIANDEYUYAN,BAZHEIZEZHONGBANGGONGGAODENEIRONG,ZHUANSHUCHULAI。

 

QINGNIZHENGDAYANJING,BUYAOCUOGUORENHEYIGEZIYAN。

 

第一:从2020年1月1日开始,商业银行不得和买房人,签订参考贷款基准利率的浮动利率贷款合同

 

第二:从2020年3月1日开始,商业银行必须和存量房贷的借款人,废除原有房贷合同,让借款人重新二选一,要么:固定利率;要么:「LPR利率+基点加成」模式。

 

YEJIUSHISHUO,CONGJINNIANDE3YUE1RIKAISHIZHI8YUEFENDE5GEYUESHIJIANLI,DANGCHUHEMAIFANGRENQIANDINGLEFANGDAIHETONGDEYINXING,HUILIANXIMAIFANGREN,XIESHANGFEICHUYUANYOUDE「JIZHUNLILV+FUDONGBILI」LILVHETONG,ZAIERXUANYI。

 

YIDINGYAOJIZHU,WULUNYINXINGZENMEQIAOSHERUHUANG,KOUTULIANHUA:

 

不要选择固定利率模式,选择「LPR利率+基点加成」模式!

 

齐鲁彩票 YANGXINGGONGGAOZHONGSHUODEHENQINGCHU,ZHEIZHONGBIANGENG,YIBEIZIZHIYOUYICIJIHUI,XUANCUOLEDEHUA,SHIWUFAGENGGAIDE。

 

齐鲁彩票 BUYAOXIAOKANLIANGZHONGLILVMOSHIDECHABIE,WOMENKEYIDAZHIGUSUANXIA,ZAIMOUXIENIANFEN,LILVCHAJUKENENGDADAO1-5GEBAIFENDIAN。RUGUOFANGDAIYUEYOU300WANYUANDEHUA,MEINIANHAIKUANCHAYIKENENGDADAO3-15WANYUAN。

 

(图源:青驿网@广朋越野__左左,版权所有)

 

ZAIGUOQUJINIAN,SHUBAIWANDENIANQINGRENFUQI,TAOKONGLEFUMUBEIDEQIANBAO,BEIFULEFANGDAI,BUGANCIZHIHETIAOCAO,GUOSHANGLEBUGANXIAOFEIDEFOXISHENGHUO。

 

MINGGEFANYUELEYANGXINGDEDINGQIBAOGAO,JIEZHI2019NIAN8YUEFEN,GERENDAIKUANYUEZONGLIANGZAI29WANYIYUAN。NIDEFANGDAI,JIUZAIQIZHONG。

 

齐鲁彩票 XIANZAI,YANGXINGYAOJINISONGBANGLE,XIEXIAZHONGDANLE,JIUKANNI3GEYUEZHIHOU,YAOBUYAOJIESHOUZHEIFENDALI,GAIBIANYIJIAZIDEMINGYUNLE。

 

2

 

齐鲁彩票 WOMENZAIZHIQIANDEWENZHANG《》ZHONG,XIANGXIJIEDUGUOLE,YANGXINGZAI2019NIAN8YUEFEN,JINXINGFANGDAIBIANGEDEXIJIE。

 

变革前,房贷利率=央行基准利率+浮动比例

 

JIZHUNLILVYOUYANGXINGTONGYIGONGBU,SHANGYEYINXINGWUQUANKONGZHI,ZHINENGBEIDONGGENSUI。RUGUOYANGXINGJIAXILE,HUOZHEJIANGXILE,NEIMEZAILAINIANDEGUDINGRIQI1YUE1RI,GOUFANGZHEDEJIZHUNLILVJIUTONGYIGAIBIAN。DANGQIANDEJIZHUNLILVSHI4.90%。

 

齐鲁彩票 SHANGYEYINXINGNENGGOUGAIBIANDEJIUSHI“FUDONGBILI”。YOUXIECHENGSHIDEYINXINGHUOBIKUANSONG,GULISHOUTAOFANGZHIYE,DIFANGZHENGFUCAIYUANYILAIYUTUDICHURANGJIN,NEIMEKENENGZAIJIZHUNLILVDEJICHUSHANGDAZHEKOU,DANSHIDADUOSHUCHENGSHI,SHIMEIYOUFUDONGBILI,HUOZHESHANGFUDE。

 

DUIGOUFANGZHEERYAN,HEYINXINGQIANDINGDE“FUDONGBILI”YIDANQUEREN,SHIWUFABIANGENGDE。

 

变革后,房贷利率=贷款市场报价(LPR)利率+基点加成。

 

齐鲁彩票 LPRLILV,ZHUANYESHUOFASHI“QUANGUOYINXINGJIANTONGYECHAIJIEZHONGXIN”,TONGJI18JIAYINXINGBAOCHUDEGEZIDE1NIANQIHE5NIANQIYISHANGDAIKUANLILV,TICHUZUIDIJIA、ZUIGAOJIAHOU,JISUANSUANSHUPINGJUNJIA。

 

SHUODEGENGJIAZHIBAIYIDIAN:

 

LPR利率更加市场化,在反映全社会无风险利率的程度上,更加逼真。

 

DANGJINGJIGUORESHI,TONGZHANGSHI,LILVGAO;

齐鲁彩票 DANGJINGJIGUOLENGSHI,TONGSUOSHI,LILVDI。

 

ZHEIZHONGSHICHANGHUADELILV,JIANGDAIKUANRENHEJIEKUANRENZHIJIANDELIYI、FENGXIAN,JUNHENGLEXIA。

 

YANGXINGGAOWUJIANLING,JIANG1NIANQILPRLILV,YONGYUSHITIJINGJI;JIANG5NIANQILPRLILV,YONGYULEFANGDICHANSHICHANG。

 

 

齐鲁彩票 DANGXUYAOJISHITIJINGJIJIANGXISHI,JIUDIAODI1NIANQILPRLILV,BURANGMANGUANDEDASHUIJINRUFANGDICHANXINGYE。

 

DANGXUYAODANDUDUIFANGDICHANDIAOKONGSHI,ZHIXUYAOTIGAO5NIANQILPRDELILV,JIUBUHUIDUISHITIJINGJICHANSHENGCHENGBENYALI。

 

但是从长期来看,5年期LPR利率,一定会向1年期LPR利率进行回归和靠拢的。

 

2019NIAN11YUE20RI,YANGXINGSHOUQUANQUANGUOYINXINGJIANTONGYECHAIJIEZHONGXINGONGBULEZUIXINYIQIDAIKUANSHICHANGBAOJIALILV(LPR)。1NIANQILPRLILVWEI4.15%,5NIANQIYISHANGLPRLILVWEI4.80%。TONG10YUE21RIGONGBUDESHANGQISHUZHIXIANGBI,JUNXIADIAOLE5GEJIDIAN。

 

齐鲁彩票 TEBIEDI,5NIANQILPRLILV4.80%,BIYUANYOUDEDAIKUANJIZHUNLILV4.90%,DILE10GEJIDIAN,YEJIUSHI0.1GEBAIFENDIAN。

 

齐鲁彩票 RUGUO2020NIAN1YUEYIHOUMAIFANGZI,QIANDINGDESHIBIANGEHOUDEFANGDAILILVMOSHI,WEILAILPRLILVZHANGQIXIAXING,NEIMEMAIFANGRENHEDAIKUANJIGOUDEFANGDAILILV,YEBIRANXIAXING,ZHEIYANGDEHUA,MAIFANGRENCHENGDANDELILVCHENGBEN,HEQUANSHEHUIDELILVCHENGBENDAZHIXIANGDANG。

 

RUGUOSHI2019NIAN8YUEFENZHIQIANMAIDEFANGZI,MAIFANGRENHEDAIKUANJIGOUQIANDINGDESHIJIZHUNLILV,HUOZHEGUDINGLILV,NEIMEWEILAISHEHUIWUFENGXIANLILVXIAXINGHOU,MAIFANGRENCHENGDANDEYALI,JIANGQIANSUOWEIYOUDEDA。ZHEIPIMAIFANGREN,WANQUANJIANGZIJIDERENSHENGSHANGGONGJILEYINXINGDIGUO,HEHOULAIQINGZHUANGSHANGZHENDEMAIFANGZHE,JINGWEIFENMING,SHEHUIDEBUGONGPINGXINGJIULADALE。

 

齐鲁彩票 YOUXIERENKENENGHUISHUO,BIANGEQIANHOU,ERZHONGLILVDECHAYI,JIUZAI10GEJIDIAN,0.1GEBAIFENDIAN,CHAYIBUDA。

 

你要这么说,只能证明,对我们国家未来利率下行趋势的力量,一无所知!

 

3

 

NIYEXUHUIWEN:

 

央行和放贷银行,居然给我们买房者这么好的福利,会把吃进肚子里的肉,吐了出来,它们图什么呢?

 

HEHE。XIANRANGMINGGEXIAOJISHENG。

 

RUGUONINENGZHEIMEXIANG,SHUOMINGNIZHENDETAITIANZHENLE。

 

YANGXINGHEFANGDAIYINXING,JIJIEKUANRENSONGBANG,JUEDUIBUSHIWEILEBACHIJINDUZILIDEROUTUCHULAI,ERSHIDANXINWEILAIJINRUDILILVSHIDAIYIHOU,JIEKUANRENQIFANGERQU,NEIYANGHUIYINFAQUANSHEHUIXITONGXINGDEDAFENGXIAN。

 

YINWEI,TAMENSHIJIQIZHUANYEHEQIANZHANDEJIGOU,YIJINGTIQIANYUCEDAOLE:

 

在未来5-20年的时间长度内,中国一定会步发达国家的后尘,进入低利率,甚至是负利率时代。

 

齐鲁彩票 ZHEISHIHUAISHIMA?JUEDUIBUSHI,ZHEISHIRENHEJINGJITIFAZHANDAOYIDINGSHUIPINGHOU,BIRANYAOJINRUDECHANGTAI。

 

齐鲁彩票 DANGJINGJITIDESHENGCHANLIYIJINGCHONGFENFADA,RENKOUBUZAIJIXUZENGZHANG,WUZHICHONGFENFENGFUYIHOU,YIGESHICHANGDEXIAOFEINENGLISHIYOUXIANDE。YEJIUSHISHUO,QIYESHENGCHANCHULAIDESHITISHANGPIN、TIGONGDEFUWUHEXUNISHANGPIN,ZHONGJIANGCHAOGUOGAIGUOHUOZHEQUANQIUSUOYOURENKOUDEXIAOFEIQIANLI。

 

JIARUMEIYOUTUPOXINGDEKEJIJINZHAN,NEIMEQIYEJIAMEIYOUDUOYULIRUNKETU,JIANGBUZAIKUODASHENGCHAN,BUJIANGLIRUNZAITOUZI,BUXIANGYINXINGJIANJIEDAIKUANRONGZI,BUXIANGGUPIAOSHICHANGZHIJIEGUQUANRONGZI,SHEHUIDEGDPYUANDITABU,NIANQINGRENXINZI20NIANBUSHANGZHANG。

 

ZHEIYANGJIANGDAOZHI,SHEHUISHANGDECUNKUANZIJINHEKETOUZIZIJIN,JIANGWUCHUKEQU。SHANGYEYINXINGSHOUCHULEHAILIANGDEJUMINCUNKUAN,ZHAOBUDAOSHIGEDEQIYEQUFAFANGDAIKUAN,ZIRANYEZHUANQUBULEXICHA。

 

ZHENGTISHEHUIDELILV,JIANGXIANZHUXIAXING。

 

MINGGETONGJIGUO,2020NIANCHU,QUANQIU26GEGUOJIAHUOJINGJITIDANGZHONG,YOU20GEGUOJIAHUOJINGJITILILVCHUYUXIAJIANGQUSHI。

 

齐鲁彩票 OUMENGYANGXING:-0.5%;

RIBENYANGXING:-0.1%;

齐鲁彩票 DEGUO10NIANQIGUOZHAI:-0.675%。

 

2019NIAN8YUE5HAO,DANMAIDEDISANDAYINXINGRIDELANYINXING,TUICHULERENLEILISHISHANGSHOUBIFULILVANJIEDAIKUANYEWU,FANGDAILILVWEI-0.5%。SHENMEYISINI?

 

齐鲁彩票 RUGUONIJIEDANMAIZHEIJIAYINXING100WANYUANQUMAIFANG,YINIANHOUNIZHIXUHAI99.5WANYUANJIUKEYILE。

 

ZHEIJIAYINXINGXIANGMAIFANGRENFAFANGDAIKUAN,DAIKUANMAIFANGREN,ZUIZHONGHAIDEQIAN,BIDANGCHUYINXINGJIECHUDEQIAN,HAIYAOSHAO!

 

齐鲁彩票 TINGQILAI,XIANGBUXIANGTIANFANGYETAN?JUEDUIBUSHI,ZHEIZAIXIFANGFADAJINGJITIZHIZHONG,YIJINGCHENGWEILECHANGSHI。

 

2019NIAN8YUE6HAO,RUISHIYINXINGXUANBUDUI50WANOUYUANYIXIADECUNKUANZHANGHUSHOUQUNIANFEI,BINGQIEBUZHIFULIXI。

 

TONGYANGDI,YOUYUOUMENGZUZHIJINRONGTIXIDELILVSHI-0.5%,ZHEIYIWEIZHE,YIGERENZAIOUMENGSUOSHUDEYINXINGCUNKUAN1WANOUYUAN,YINIANHOU,ZHINENGQUHUI9950OUYUAN。

 

 

2019NIAN11YUE21RI,YIJINGXIERENLEZHONGGUORENMINYINXINGXINGZHANGZHIWEIDEZHOUXIAOCHUAN,ZAICHUANGXINJINGJILUNTANSHANGBIAOSHI:

 

中国可以尽量避免快速地进入到负利率时代。

 

齐鲁彩票 YANXIAZHIYI,WOMENSHEHUIKEYITUICHIJINRUDAOFULILVSHIDAIDESHIJIANZHANGDU,YANCHITADEDAOLAI,DANSHIGAIBIANBULELISHIGUITU。

 

齐鲁彩票 ZAI2017NIANZHIQIANDE20NIANSHIJIANLI,WOMENYIJINGXIGUANLEFANGJIADESHANGZHANG、WUJIADESHANGZHANG,RENMINBIGOUMAILIDEBIANZHI。QIGENBENYUANYINZAIYU,WOMENGUOJIAYIRANCHUYUFAZHANJIEDUAN,GEXINGGEYEDESHANGPINHEFUWU,HAIYOUZHEJUDADEKONGBAISHICHANGQUDENGZHEFAJUE。

 

FANGDAILILV5.53%、MINJIANJIEDAILILV10-30%、P2PWANGDAILILV20-50%。YINXINGLICAICHANPINSHOUYILVDIYU6%,DOUMEIYOUDAMADAYEKANDESHANG。

 

CONG2017NIANKAISHI,GAOSHOUYIDEHUANXIANG,ZHUYIPOMIELE。FANGJIAXIADIE、P2PPINGTAIBAOLEI、SHANGSHIGONGSIDUOYUANHUAKUOZHANGYIDIJIMAO。NEIXIEZHUIZHUGAOSHOUYIDEREN,BUJINMEIYOUDEDAOGAOLILV,LIANZIJIDEBENJINDOUSUNSHIDIAOLE。

 

GUSHISHOUYILVYUQIJIANGDI、NIANQINGRENJIUYEXINTAIFANGPING、ZHONGNIANRENZHIQIUBAOZHUFANWAN,ZHEICAISHIWEILAIWOGUOJINGJIDE「XINCHANGTAI」。

 

齐鲁彩票 JINRUDILILVSHIDAIHOU,WOMENQUYINXINGCUNQIAN,BUJINMEIYOULIXI,HAIYAODAOFUFEIYONGJIYINXINGLAIFUZEBAOGUANWOMENDEZICHANSHUJU。

 

WEISHENMENI?

 

YINWEIYINXINGSHOUCHUZHIHOU,JIANGJUMINZICHANBAOGUANZAIYINXINGNEIBU,TAFANGDAIBUCHUQU,MEIYOURENLAIJIEKUAN,ZIRANZHUANQUBULELIXICHADAILAIDELIRUN。

 

齐鲁彩票 SUOYI,FULILVSHIDAIDAOLAIYIHOU,SHEIFANGQIANZAIYINXING,SHEIJIUYAOZHIFUJIYINXINGYIDINGDEFEIYONG。

 

RUGUOJIEKUANRENFAXIAN,ZIJIDECUNKUANMEIYOULIXI,QUANSHEHUIDEWUFENGXIANLILVDOUJIEJINYULING,QIYEBUYUANYIQUTOUZI,SHEHUIGDPZENGSUYUANDITABU,ZIJIFANERYAOCHENGDAN4.9%DELILV,NEIZHEIZHONGFUDAN,JUEDUISHIYALISHANDA,BUKECHENGSHOUDE。

 

齐鲁彩票 DENGDAONEIGESHIHOU,BIESHUOSHEWANGFANGJIASHANGZHANGCHENGWEILEBAIRIMENG,MEINIANXIADIE2-10%,DOUSHIHENYOUKENENGDE,JIEGUOHAIYAOPINGKONGCHENGDAN-4.9%DELILVKUISUN,SHAZIDOUZHIDAO,YINGGAIPAOQIFANGZI,ZHIJIEDUANGONG。

 

RUGUODAPILIANGDEMAIFANGREN,JITIDUANGONG,ZUIZHONGHUIYINFASHENMEHOUGUONI?NEIJIUSHI2008NIANMEIGUOCIDAIWEIJIDEFANBAN,YINXINGJIANGDAOBI,JINGJIJIXUXIAOTIAO,NIANQINGRENSHIYE。NEIZHONGHOUGUOBUSHIMEIGESHEHUIDOUNENGCHENGSHOUDE。

 

齐鲁彩票 DUIYUNEIXIEZAI2020NIAN,JIUXUANZELE「LPRLILV+JIDIANJIACHENG」MOSHIDEMAIFANGRENERYAN,HUIZHANGDENGJIECAI、QIAOLUODAGUDIYINGJIEDILILVSHIDAI、SHENZHISHIFULILVSHIDAIDEDAOLAI。

 

LIXIANGQINGKUANGXIA,JIARU5NIANQILPRLILVJIANGDIDAOLELING,NEIMEDANGCHUDEMAIFANGRENCHENGDANDELILVJIUZHISHIDANGCHUDE「JIDIANJIACHENG」,WULUNSHISHANGFUHAISHIXIAFU,DOUKEYIRENWEIQINGRUHONGMAO。

 

齐鲁彩票 ZHEIGESHIHOU,YUANYOUCHUANTONGMOSHIMAIFANGREN,CHENGDANDELILVSHI4.90%,JIESHOULEXINMOSHIDEMAIFANGREN,JIHUMEIYOUFANGDAILILV!

 

NIANHUA4.90%LILVDECHABIE,RUGUOFANGDAIYUEHAISHENGXIA200WAN,NEIJIUSHINIANHUA9.8WANYUANDECHAJU。

 

齐鲁彩票 ZHEIQIANBUXIANGMA?WEISHENMEYAOPINGKONGGONGXIANJIYINXINGNI?

 

4

 

ZHANZAI2020NIANDEMENJIANSHANG,YANGXINGYIYANDONGCHUANLEWEILAI20NIANDEJINGJIGUIJI,CANKAOLEXIFANGFADAGUOJIADECHENGSHUJINGYAN,YINDAOGEDASHANGYEYINXINGDAIKUANREN,HEJIEKUANREN,ZHONGXINQIANDINGMAODINGYULPRLILVDEDAIKUANHETONG。

 

 

ZHEIBUJINSHIJIYUJIEKUANRENDEDAHONGBAO,YESHIZHANZAIQUANSHEHUIDEJIAODU,WEIYUCHOUMOU,JIANGSHOUYIHEFENGXIAN,ZAIJIEKUANRENHEDAIKUANJIGOUZHIJIANFENTAN,CUJINZHENGGESHEHUIDEWENDINGYUNXING。

 

齐鲁彩票 DANSHI,YANGXINGCHUTAIDEFANGDAIGAIGEXINZHENG,RANGDAIKUANRENHEJIEKUANRENZHONGXINQIANDINGLILVHETONG,CHONGMANZHEDALIANGDEJINRONGSHUYUHEHUISEDEGAINIAN。

 

SHANGYEYINXINGDEMUDESHIWEILEZHULI。TAMENZUOWEIDAIKUANREN,ZHUANQULIXICHA,RANGJIEKUANRENCHENGDANDELILVYUEGAO,YINXINGDELIRUNJIUYUEGAO。

 

 

SHOUQUZHISHANGSHUIDEZUIJIAFANGSHISHI,ZHIZAOXINXIBUDUICHENG,LIYONGZIJIDEXINXIYOUSHI,LAISHOUGEDUIFANG。

 

SHANGYEYINXINGYIDINGHUIQIAOSHERUHUANG、KOUTULIANHUAYIBAN,GUYIJIANGLIANGZHONGLILVMOSHI,SHUODEJIEKUANRENRUYUNSHANWULI,YANMAOJINXING。

 

ZHANZAIYINXINGDEJIAODULAISHUO,TAMENXIWANGJIEKUANRENXIANGWUTOUCANGYINGYIYANG,GENZHETAMENDEJIEZOUZOU,BUZHIBUJUEJIUTANGZAIZHENBANSHANG,BAIHAOLEDAIZAIDETIWEI。

 

ZHIYOUMINGGE,DIANJIZHENIDEQIANBAO。

 

齐鲁彩票 QIANYANWANYU,HUICHENGYIJUHUA!

 

从2020年3月1日开始的5个月时间里,当银行联系你重新协商房贷利率时,一定要坚持「LPR利率+基点加成」模式,并且利率一年自动更新一次。

 

ZHEIGEJIHUI,SHEJIDAONIJIATINGSHUSHIWAN,SHENZHISHANGBAIWANDEZIJIN,SHIYONGYUZIJI,HAISHIGONGXIANJIYINXING。

 

KEQIANWANBIEXUANCUOLE,YINWEIYANGXINGZHIJILEYICIJIHUI,MEIYOUHOUHUIYAOKECHI!

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