小产权房558上海不一样！暴露楼市什么信号？
和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>不同？
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>10月8日，是_blank class=infotextkey>get=_blank class=infotextkey>我国_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>开启_blank class=infotextkey>get=_blank class=infotextkey>新纪元的一天。这一天开始，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国范围内个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>_blank class=infotextkey>定价_blank class=infotextkey>get=_blank class=infotextkey>“换锚_blank class=infotextkey>get=_blank class=infotextkey>”。
根据_blank class=infotextkey>央行8月《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行_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》，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>10月8日起，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国范围内_blank class=infotextkey>get=_blank class=infotextkey>新发放_blank class=infotextkey>get=_blank class=infotextkey>首套个_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>_blank class=infotextkey>不得_blank class=infotextkey>get=_blank class=infotextkey>低于相应_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限LPR（_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>市场报价_blank class=infotextkey>get=_blank class=infotextkey>利率），二套个_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>_blank class=infotextkey>不得_blank class=infotextkey>get=_blank class=infotextkey>低于相应_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限LPR加_blank class=infotextkey>get=_blank class=infotextkey>60个基点。
但是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>新的_blank class=infotextkey>get=_blank class=infotextkey>消息是，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>首套_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>大_blank class=infotextkey>get=_blank class=infotextkey>概率可LPR减点。
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>新发放的_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率初步为，_blank class=infotextkey>get=_blank class=infotextkey>首套个_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>不_blank class=infotextkey>get=_blank class=infotextkey>低于相应_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限LPR减_blank class=infotextkey>get=_blank class=infotextkey>20基点；二套个_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>不_blank class=infotextkey>get=_blank class=infotextkey>低于相应_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限LPR加_blank class=infotextkey>get=_blank class=infotextkey>60基点。
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>到底在搞_blank class=infotextkey>get=_blank class=infotextkey>什么，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>又是为_blank class=infotextkey>get=_blank class=infotextkey>什么，这对_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>楼市_blank class=infotextkey>get=_blank class=infotextkey>将是_blank class=infotextkey>get=_blank class=infotextkey>怎样_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信号？
1
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海的_blank class=infotextkey>不_blank class=infotextkey>一样！_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海的_blank class=infotextkey>一样！
细心的_blank class=infotextkey>get=_blank class=infotextkey>网友_blank class=infotextkey>应该还记得，此前，在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中央_blank class=infotextkey>get=_blank class=infotextkey>再提_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>不炒_blank class=infotextkey>get=_blank class=infotextkey>”，_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>再次加码_blank class=infotextkey>get=_blank class=infotextkey>调控、_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>地产相关_blank class=infotextkey>get=_blank class=infotextkey>融资_blank class=infotextkey>收紧后，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海临港_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区_blank class=infotextkey>get=_blank class=infotextkey>却破天荒放宽了_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>限购。
详见杠杆_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>游戏文章，《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重要文件_blank class=infotextkey>get=_blank class=infotextkey>发_blank class=infotextkey>get=_blank class=infotextkey>布！_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>又一_blank class=infotextkey>get=_blank class=infotextkey>价值洼_blank class=infotextkey>get=_blank class=infotextkey>地诞生，_blank class=infotextkey>get=_blank class=infotextkey>投资_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>新区_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有戏吗？》（8月_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>30日）。
_blank class=infotextkey>get=_blank class=infotextkey>其实这_blank class=infotextkey>get=_blank class=infotextkey>件事情说明两点：
1.只要_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地方_blank class=infotextkey>get=_blank class=infotextkey>可以落实和兑现_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>不炒_blank class=infotextkey>get=_blank class=infotextkey>”，根据_blank class=infotextkey>不同板块、片区_blank class=infotextkey>get=_blank class=infotextkey>需要，适度_blank class=infotextkey>get=_blank class=infotextkey>调整_blank class=infotextkey>get=_blank class=infotextkey>调控_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策，本_blank class=infotextkey>get=_blank class=infotextkey>身_blank class=infotextkey>get=_blank class=infotextkey>就是_blank class=infotextkey>get=_blank class=infotextkey>可以的。_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>南京、_blank class=infotextkey>get=_blank class=infotextkey>广州、_blank class=infotextkey>get=_blank class=infotextkey>珠海等，实际_blank class=infotextkey>get=_blank class=infotextkey>都_blank class=infotextkey>get=_blank class=infotextkey>有过动作。
只是，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海确实太耀眼，所以才引起_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>关注。_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>自贸区临港_blank class=infotextkey>get=_blank class=infotextkey>新片区_blank class=infotextkey>获批，自带_blank class=infotextkey>get=_blank class=infotextkey>流量。
_blank class=infotextkey>get=_blank class=infotextkey>2._blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海确实_blank class=infotextkey>不_blank class=infotextkey>一样。_blank class=infotextkey>不论是_blank class=infotextkey>get=_blank class=infotextkey>自贸区_blank class=infotextkey>get=_blank class=infotextkey>新片区的_blank class=infotextkey>获批，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中央_blank class=infotextkey>get=_blank class=infotextkey>对其在_blank class=infotextkey>get=_blank class=infotextkey>国家_blank class=infotextkey>get=_blank class=infotextkey>战略_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中的_blank class=infotextkey>定位和期待，_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海的_blank class=infotextkey>get=_blank class=infotextkey>区域_blank class=infotextkey>get=_blank class=infotextkey>发展_blank class=infotextkey>get=_blank class=infotextkey>需要，_blank class=infotextkey>get=_blank class=infotextkey>都_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>清晰、_blank class=infotextkey>get=_blank class=infotextkey>明确的考量。
一_blank class=infotextkey>定程度_blank class=infotextkey>get=_blank class=infotextkey>上说，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>真和_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>不_blank class=infotextkey>一样。这样的_blank class=infotextkey>get=_blank class=infotextkey>待遇，_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>概只_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>少量_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>具备。
比如_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>多年前，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>重庆_blank class=infotextkey>get=_blank class=infotextkey>一起，就_blank class=infotextkey>get=_blank class=infotextkey>成为_blank class=infotextkey>get=_blank class=infotextkey>首批_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产税的_blank class=infotextkey>get=_blank class=infotextkey>征_blank class=infotextkey>收_blank class=infotextkey>get=_blank class=infotextkey>城市。_blank class=infotextkey>不管叫_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>地产税，_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房产税、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>不动产税，虽然内涵确实_blank class=infotextkey>不同。但对_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>征税了，这事_blank class=infotextkey>get=_blank class=infotextkey>就是_blank class=infotextkey>不_blank class=infotextkey>一样。
还如，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>这些年，_blank class=infotextkey>get=_blank class=infotextkey>长期是_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>最友_blank class=infotextkey>get=_blank class=infotextkey>好的_blank class=infotextkey>get=_blank class=infotextkey>城市。很_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>可以九五折，而_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>城市，_blank class=infotextkey>get=_blank class=infotextkey>目前基本是_blank class=infotextkey>get=_blank class=infotextkey>1015%_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮，这_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>get=_blank class=infotextkey>首套。二套，动辄_blank class=infotextkey>get=_blank class=infotextkey>20%以_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上浮。
所以，从_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>影响此前_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>大_blank class=infotextkey>get=_blank class=infotextkey>格局的角度_blank class=infotextkey>get=_blank class=infotextkey>上说，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_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>利率在LPR基础_blank class=infotextkey>get=_blank class=infotextkey>上减点，是_blank class=infotextkey>get=_blank class=infotextkey>可以_blank class=infotextkey>get=_blank class=infotextkey>理解的。目的只是为了维持_blank class=infotextkey>get=_blank class=infotextkey>利率基本_blank class=infotextkey>不变。
_blank class=infotextkey>央行此前在《答_blank class=infotextkey>get=_blank class=infotextkey>记者问》_blank class=infotextkey>get=_blank class=infotextkey>中说得很_blank class=infotextkey>get=_blank class=infotextkey>清楚，与_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>改革前相比，_blank class=infotextkey>get=_blank class=infotextkey>居民_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>申请个_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，利息支出基本_blank class=infotextkey>不受_blank class=infotextkey>get=_blank class=infotextkey>影响。
_blank class=infotextkey>不否认，这出乎_blank class=infotextkey>几乎所_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>人的预料，毕竟_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海和_blank class=infotextkey>央行文件指示_blank class=infotextkey>不符。但杠杆_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>游戏_blank class=infotextkey>get=_blank class=infotextkey>觉得，这也正是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>不_blank class=infotextkey>一样的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地方。
而_blank class=infotextkey>一样的是，二套_blank class=infotextkey>get=_blank class=infotextkey>房，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海依旧是_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>低于相应_blank class=infotextkey>get=_blank class=infotextkey>期_blank class=infotextkey>get=_blank class=infotextkey>限LPR加_blank class=infotextkey>get=_blank class=infotextkey>60基点。这和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国完_blank class=infotextkey>get=_blank class=infotextkey>全一致。
也_blank class=infotextkey>get=_blank class=infotextkey>就是说，_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>不炒_blank class=infotextkey>get=_blank class=infotextkey>这个总基调，任何_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>特殊。恰恰，_blank class=infotextkey>get=_blank class=infotextkey>我们看到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海、_blank class=infotextkey>get=_blank class=infotextkey>北京、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>深圳，是很早执行、领_blank class=infotextkey>get=_blank class=infotextkey>会该_blank class=infotextkey>get=_blank class=infotextkey>精神实质彻底、坚决的_blank class=infotextkey>get=_blank class=infotextkey>城市。
当然_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>新_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>方案，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最终的_blank class=infotextkey>get=_blank class=infotextkey>情况，_blank class=infotextkey>get=_blank class=infotextkey>还_blank class=infotextkey>get=_blank class=infotextkey>有待_blank class=infotextkey>get=_blank class=infotextkey>官方_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>定调。_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时，.fan_blank class=infotextkey>g558.com/dalan_blank class=infotextkey>g/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大浪，_blank class=infotextkey>不同_blank class=infotextkey>get=_blank class=infotextkey>银行_blank class=infotextkey>get=_blank class=infotextkey>其实也_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>自己的_blank class=infotextkey>get=_blank class=infotextkey>考虑。_blank class=infotextkey>get=_blank class=infotextkey>未来，_blank class=infotextkey>get=_blank class=infotextkey>会越来越_blank class=infotextkey>get=_blank class=infotextkey>尊_blank class=infotextkey>get=_blank class=infotextkey>重_blank class=infotextkey>get=_blank class=infotextkey>市场。
_blank class=infotextkey>get=_blank class=infotextkey>2
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>get=_blank class=infotextkey>方案传言_blank class=infotextkey>get=_blank class=infotextkey>背后：_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>利率是变动的，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策才是永_blank class=infotextkey>恒的
很_blank class=infotextkey>get=_blank class=infotextkey>多_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时候，_blank class=infotextkey>get=_blank class=infotextkey>人们_blank class=infotextkey>忽略了，_blank class=infotextkey>不管是《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行_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》，_blank class=infotextkey>get=_blank class=infotextkey>还是LPR_blank class=infotextkey>get=_blank class=infotextkey>作为_blank class=infotextkey>get=_blank class=infotextkey>主要_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率机制实施前，_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>_blank class=infotextkey>get=_blank class=infotextkey>上浮、_blank class=infotextkey>get=_blank class=infotextkey>下浮，基本_blank class=infotextkey>get=_blank class=infotextkey>都是_blank class=infotextkey>央行指导_blank class=infotextkey>get=_blank class=infotextkey>意见_blank class=infotextkey>get=_blank class=infotextkey>说了算。
_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时候_blank class=infotextkey>get=_blank class=infotextkey>就是_blank class=infotextkey>get=_blank class=infotextkey>一个窗口指导，_blank class=infotextkey>get=_blank class=infotextkey>一个暗示。
但是任何_blank class=infotextkey>get=_blank class=infotextkey>银行都_blank class=infotextkey>get=_blank class=infotextkey>必须懂得起。因为_blank class=infotextkey>get=_blank class=infotextkey>调控或者_blank class=infotextkey>get=_blank class=infotextkey>刺激，_blank class=infotextkey>get=_blank class=infotextkey>都是为了_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济目标，为了_blank class=infotextkey>get=_blank class=infotextkey>社_blank class=infotextkey>get=_blank class=infotextkey>会目的。
而LPR机制，_blank class=infotextkey>get=_blank class=infotextkey>就是发挥_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>市场报价_blank class=infotextkey>get=_blank class=infotextkey>利率的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中心_blank class=infotextkey>get=_blank class=infotextkey>地位。以后，_blank class=infotextkey>get=_blank class=infotextkey>主要_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>行为，都以此为_blank class=infotextkey>get=_blank class=infotextkey>基准，_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>需要_blank class=infotextkey>时加基点。_blank class=infotextkey>不管_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地产_blank class=infotextkey>get=_blank class=infotextkey>行业，_blank class=infotextkey>get=_blank class=infotextkey>房贷、_blank class=infotextkey>get=_blank class=infotextkey>开发贷，_blank class=infotextkey>get=_blank class=infotextkey>还是_blank class=infotextkey>get=_blank class=infotextkey>其他工_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>概莫能外。
_blank class=infotextkey>get=_blank class=infotextkey>市场也_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>每月动态调节_blank class=infotextkey>get=_blank class=infotextkey>这个报价_blank class=infotextkey>get=_blank class=infotextkey>利率。
所以说，_blank class=infotextkey>get=_blank class=infotextkey>市场_blank class=infotextkey>get=_blank class=infotextkey>利率首先是浮动的，_blank class=infotextkey>get=_blank class=infotextkey>清溪，变动的。_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>再_blank class=infotextkey>get=_blank class=infotextkey>有一成_blank class=infotextkey>不变，_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率虽然_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>取消，但是起作用比以前_blank class=infotextkey>get=_blank class=infotextkey>降低了。
而_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体到_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>行业，特别是个_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>房贷，_blank class=infotextkey>get=_blank class=infotextkey>到底_blank class=infotextkey>get=_blank class=infotextkey>怎么加基点，_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>会根据_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>社_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>需要及_blank class=infotextkey>时_blank class=infotextkey>get=_blank class=infotextkey>调整。
_blank class=infotextkey>get=_blank class=infotextkey>简_blank class=infotextkey>单说，在杠杆_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>游戏_blank class=infotextkey>看来，_blank class=infotextkey>get=_blank class=infotextkey>2019年8月的《_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行_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》_blank class=infotextkey>不过是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>近期指导_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率的_blank class=infotextkey>get=_blank class=infotextkey>一个文件。
_blank class=infotextkey>get=_blank class=infotextkey>未来，甚至比如_blank class=infotextkey>get=_blank class=infotextkey>明年某个_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时候，_blank class=infotextkey>get=_blank class=infotextkey>需要进一步_blank class=infotextkey>get=_blank class=infotextkey>调控_blank class=infotextkey>时，还_blank class=infotextkey>get=_blank class=infotextkey>可以_blank class=infotextkey>get=_blank class=infotextkey>要求加码基点。甚至也_blank class=infotextkey>get=_blank class=infotextkey>可以根据_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>需要，_blank class=infotextkey>get=_blank class=infotextkey>降低基点，只要_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>超出文件_blank class=infotextkey>get=_blank class=infotextkey>要求即可。
所以我说，_blank class=infotextkey>get=_blank class=infotextkey>调控_blank class=infotextkey>_blank class=infotextkey>不是永_blank class=infotextkey>恒，但_blank class=infotextkey>get=_blank class=infotextkey>调控与否（_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策）是永_blank class=infotextkey>恒。_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>get=_blank class=infotextkey>世界只_blank class=infotextkey>get=_blank class=infotextkey>有两种_blank class=infotextkey>get=_blank class=infotextkey>情况，_blank class=infotextkey>get=_blank class=infotextkey>调控和_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>调控。而_blank class=infotextkey>get=_blank class=infotextkey>房贷的实际_blank class=infotextkey>get=_blank class=infotextkey>利率，就_blank class=infotextkey>get=_blank class=infotextkey>会因为属于_blank class=infotextkey>get=_blank class=infotextkey>调控期，或者属于非_blank class=infotextkey>get=_blank class=infotextkey>调控期，_blank class=infotextkey>get=_blank class=infotextkey>出台_blank class=infotextkey>不同的文件。
_blank class=infotextkey>get=_blank class=infotextkey>这么_blank class=infotextkey>说的话，_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策才是_blank class=infotextkey>get=_blank class=infotextkey>指挥棒。
而_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>_blank class=infotextkey>政策说_blank class=infotextkey>get=_blank class=infotextkey>到底，是要配_blank class=infotextkey>合当期的_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>社_blank class=infotextkey>get=_blank class=infotextkey>会_blank class=infotextkey>get=_blank class=infotextkey>需要。
_blank class=infotextkey>get=_blank class=infotextkey>其实_blank class=infotextkey>看看_blank class=infotextkey>get=_blank class=infotextkey>美国、_blank class=infotextkey>get=_blank class=infotextkey>日本等_blank class=infotextkey>get=_blank class=infotextkey>国家的_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>发展_blank class=infotextkey>历史，就_blank class=infotextkey>get=_blank class=infotextkey>会明白，_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>地产永远_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>“夜壶_blank class=infotextkey>get=_blank class=infotextkey>”的属性。_blank class=infotextkey>get=_blank class=infotextkey>我们和_blank class=infotextkey>他们_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>不同，或者说_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大家_blank class=infotextkey>一样的。
_blank class=infotextkey>3
是否_blank class=infotextkey>鼓励加杠杆，是_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>楼市_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>简_blank class=infotextkey>单的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信号
以前，杠杆_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>游戏写过_blank class=infotextkey>get=_blank class=infotextkey>调控是否_blank class=infotextkey>继续_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>多个_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信号，比如_blank class=infotextkey>get=_blank class=infotextkey>调控_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策是否_blank class=infotextkey>get=_blank class=infotextkey>退出，比如_blank class=infotextkey>get=_blank class=infotextkey>利率，比如_blank class=infotextkey>get=_blank class=infotextkey>税费，比如_blank class=infotextkey>鼓励与否……
_blank class=infotextkey>get=_blank class=infotextkey>其实说_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>多，也_blank class=infotextkey>get=_blank class=infotextkey>可以_blank class=infotextkey>get=_blank class=infotextkey>简_blank class=infotextkey>单一点去总结，那_blank class=infotextkey>get=_blank class=infotextkey>就是：_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信号，是否_blank class=infotextkey>鼓励加杠杆。
_blank class=infotextkey>get=_blank class=infotextkey>我们看_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海，此次就算_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>利率允许减基点，幅度首先_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>限。和此前的_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房九五折_blank class=infotextkey>get=_blank class=infotextkey>利率基本_blank class=infotextkey>get=_blank class=infotextkey>保持一致。
_blank class=infotextkey>get=_blank class=infotextkey>同_blank class=infotextkey>时，对二套_blank class=infotextkey>get=_blank class=infotextkey>房加基点的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>政策，和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国，和_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>要求，_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有任何_blank class=infotextkey>不同。_blank class=infotextkey>get=_blank class=infotextkey>上文我已经写过。
_blank class=infotextkey>get=_blank class=infotextkey>那么_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信号很_blank class=infotextkey>get=_blank class=infotextkey>明显了，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海并_blank class=infotextkey>_blank class=infotextkey>不是在_blank class=infotextkey>鼓励_blank class=infotextkey>get=_blank class=infotextkey>居民加杠杆。而是_blank class=infotextkey>真心希望给_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者_blank class=infotextkey>get=_blank class=infotextkey>一些_blank class=infotextkey>get=_blank class=infotextkey>上车的_blank class=infotextkey>get=_blank class=infotextkey>机_blank class=infotextkey>get=_blank class=infotextkey>会，希望_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大家_blank class=infotextkey>get=_blank class=infotextkey>少付一点利息。
_blank class=infotextkey>get=_blank class=infotextkey>可以说，_blank class=infotextkey>get=_blank class=infotextkey>这是_blank class=infotextkey>get=_blank class=infotextkey>体恤_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房者。想想_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>单价，_blank class=infotextkey>get=_blank class=infotextkey>这么做_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>真的挺温情的。当然，是较_blank class=infotextkey>get=_blank class=infotextkey>高的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价_blank class=infotextkey>get=_blank class=infotextkey>背景_blank class=infotextkey>get=_blank class=infotextkey>下的一丝暖意。
_blank class=infotextkey>get=_blank class=infotextkey>有总比_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有好。能节约一点算一点。
放到_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国去看，_blank class=infotextkey>get=_blank class=infotextkey>我们_blank class=infotextkey>get=_blank class=infotextkey>发现_blank class=infotextkey>get=_blank class=infotextkey>除了_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海，_blank class=infotextkey>几乎_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>城市这样做。这说明_blank class=infotextkey>get=_blank class=infotextkey>调控决心坚如磐石。
在杠杆_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>游戏_blank class=infotextkey>看来，这才是_blank class=infotextkey>get=_blank class=infotextkey>目前_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>楼市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>大的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>信号。（微._blank class=infotextkey>get=_blank class=infotextkey>信._blank class=infotextkey>get=_blank class=infotextkey>公.众.号.杠.杆._blank class=infotextkey>get=_blank class=infotextkey>游.戏）
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