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另_blank class=infotextkey>get=_blank class=infotextkey>一位_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中介也_blank class=infotextkey>get=_blank class=infotextkey>表示，_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策变动_blank class=infotextkey>get=_blank class=infotextkey>之前_blank class=infotextkey>get=_blank class=infotextkey>北京_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>多实_blank class=infotextkey>get=_blank class=infotextkey>行的是5._blank class=infotextkey>39%的_blank class=infotextkey>get=_blank class=infotextkey>利率，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>政_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房贷的_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>限为5.4%，而_blank class=infotextkey>get=_blank class=infotextkey>一般_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者_blank class=infotextkey>get=_blank class=infotextkey>贷款都在_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>get=_blank class=infotextkey>5年以_blank class=infotextkey>get=_blank class=infotextkey>上，.fan_blank class=infotextkey>g558.com/fuyon_blank class=infotextkey>g/ tar_blank class=infotextkey>get=_blank class=infotextkey>福永，实际_blank class=infotextkey>get=_blank class=infotextkey>上并_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>太_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>影响，从现_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>数据来看，_blank class=infotextkey>get=_blank class=infotextkey>北京_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>人数并_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>太_blank class=infotextkey>get=_blank class=infotextkey>大的起伏_blank class=infotextkey>get=_blank class=infotextkey>”。
例如，以_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>100_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元、_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>get=_blank class=infotextkey>5年_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限计算，_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业性个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房等额本息还款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>每个月月供_blank class=infotextkey>get=_blank class=infotextkey>多出5.94元，利息_blank class=infotextkey>共_blank class=infotextkey>get=_blank class=infotextkey>多出0.18_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元；等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金首月_blank class=infotextkey>get=_blank class=infotextkey>多出8._blank class=infotextkey>3_blank class=infotextkey>3元，利息_blank class=infotextkey>共_blank class=infotextkey>get=_blank class=infotextkey>多出0._blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元，按_blank class=infotextkey>get=_blank class=infotextkey>平均数计算，_blank class=infotextkey>get=_blank class=infotextkey>相当于_blank class=infotextkey>get=_blank class=infotextkey>每月月供_blank class=infotextkey>get=_blank class=infotextkey>多出4._blank class=infotextkey>3_blank class=infotextkey>3元；二套_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业性个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房等额本息还款_blank class=infotextkey>get=_blank class=infotextkey>方式_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>每个月_blank class=infotextkey>get=_blank class=infotextkey>多出1_blank class=infotextkey>get=_blank class=infotextkey>2.16元，利息_blank class=infotextkey>共_blank class=infotextkey>get=_blank class=infotextkey>多出0._blank class=infotextkey>36_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元；等额_blank class=infotextkey>get=_blank class=infotextkey>本_blank class=infotextkey>get=_blank class=infotextkey>金首月_blank class=infotextkey>get=_blank class=infotextkey>多出16.67元，利息_blank class=infotextkey>共_blank class=infotextkey>get=_blank class=infotextkey>多出0._blank class=infotextkey>get=_blank class=infotextkey>25_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元，按_blank class=infotextkey>get=_blank class=infotextkey>平均数计算，_blank class=infotextkey>get=_blank class=infotextkey>相当于_blank class=infotextkey>get=_blank class=infotextkey>每月月供_blank class=infotextkey>get=_blank class=infotextkey>多出8._blank class=infotextkey>3_blank class=infotextkey>3元。
_blank class=infotextkey>get=_blank class=infotextkey>值得_blank class=infotextkey>get=_blank class=infotextkey>注意的是，_blank class=infotextkey>get=_blank class=infotextkey>上述测算仅_blank class=infotextkey>get=_blank class=infotextkey>作为参考，因为以往_blank class=infotextkey>get=_blank class=infotextkey>房贷以_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率为基础_blank class=infotextkey>时，在_blank class=infotextkey>get=_blank class=infotextkey>加息_blank class=infotextkey>get=_blank class=infotextkey>降息_blank class=infotextkey>时，_blank class=infotextkey>部分_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>面临_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>_blank class=infotextkey>定价的_blank class=infotextkey>get=_blank class=infotextkey>问题，而在_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率以LPR为_blank class=infotextkey>_blank class=infotextkey>定价_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>代，也_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>存在_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>_blank class=infotextkey>定价现象。根据_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>有关负责_blank class=infotextkey>get=_blank class=infotextkey>人就个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率答_blank class=infotextkey>get=_blank class=infotextkey>记者问，个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>_blank class=infotextkey>定价周期可由_blank class=infotextkey>get=_blank class=infotextkey>双方协_blank class=infotextkey>get=_blank class=infotextkey>商约_blank class=infotextkey>定，_blank class=infotextkey>最短为一年，_blank class=infotextkey>最长为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限。_blank class=infotextkey>get=_blank class=infotextkey>每次_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>_blank class=infotextkey>定价_blank class=infotextkey>时，_blank class=infotextkey>_blank class=infotextkey>定价_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>调整为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>近_blank class=infotextkey>get=_blank class=infotextkey>一个月相应_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限的LPR。_blank class=infotextkey>不过，_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率加点_blank class=infotextkey>get=_blank class=infotextkey>水平在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>期内_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>改变，_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>明确指出，_blank class=infotextkey>get=_blank class=infotextkey>“加点数值一旦确_blank class=infotextkey>定，整个_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限内都固_blank class=infotextkey>定_blank class=infotextkey>不变_blank class=infotextkey>get=_blank class=infotextkey>”。也_blank class=infotextkey>get=_blank class=infotextkey>就是说，若_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同写_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>_blank class=infotextkey>定价条款，_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者月供_blank class=infotextkey>get=_blank class=infotextkey>有可能_blank class=infotextkey>get=_blank class=infotextkey>会跟随LPR报价_blank class=infotextkey>get=_blank class=infotextkey>出现_blank class=infotextkey>get=_blank class=infotextkey>波动；反之，_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率将_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>一直维持放贷_blank class=infotextkey>时的_blank class=infotextkey>get=_blank class=infotextkey>水平。
在_blank class=infotextkey>get=_blank class=infotextkey>发_blank class=infotextkey>get=_blank class=infotextkey>布LPR机制之初，_blank class=infotextkey>央行便_blank class=infotextkey>get=_blank class=infotextkey>进行了表态。8月_blank class=infotextkey>get=_blank class=infotextkey>20日，_blank class=infotextkey>央行副行长刘国强在_blank class=infotextkey>get=_blank class=infotextkey>国务院_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策例行吹_blank class=infotextkey>get=_blank class=infotextkey>风_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>透露，_blank class=infotextkey>get=_blank class=infotextkey>新的LPR形成机制并_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>会使_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank 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李_blank class=infotextkey>get=_blank class=infotextkey>万斌也_blank class=infotextkey>get=_blank class=infotextkey>表示，LPR机制的_blank class=infotextkey>get=_blank class=infotextkey>出台是为了_blank class=infotextkey>get=_blank class=infotextkey>降低实_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>融资_blank class=infotextkey>get=_blank class=infotextkey>成本、_blank class=infotextkey>get=_blank class=infotextkey>引导_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金向_blank class=infotextkey>get=_blank class=infotextkey>小微_blank class=infotextkey>get=_blank class=infotextkey>企业等倾斜；对于_blank class=infotextkey>get=_blank class=infotextkey>房贷来说，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大方向仍然是避免干扰_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地产_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策的执行，即使LPR_blank class=infotextkey>get=_blank class=infotextkey>下行，_blank class=infotextkey>get=_blank class=infotextkey>银行也_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>通过_blank class=infotextkey>get=_blank class=infotextkey>改变加点基数来_blank class=infotextkey>get=_blank class=infotextkey>保证_blank class=infotextkey>get=_blank class=infotextkey>短期内_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率的基本稳_blank class=infotextkey>定。
