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報道指內地5年期以上LPR降15個基點 100萬房貸30年減3.18萬人幣
就人民銀行授權全國銀行間同業拆借中心今早公布,8月22日貸款市場報價利率(LPR)為1年期LPR為3.65%(預期為3.6%,上月為3.7%);5年期以上LPR為4.3%(預期為4.35%,上月為4.45%)。 據《財聯社》報道,如在內地以商貸額度100萬人民幣、貸款30年、等額本息還款方式計算,此次LPR下降15個基點,月供減少88.48元人民幣,累積30年月供減少3.18萬人民幣。之前人行降低首套房貸利率20個基點,此次LPR下調後降息效應將疊加,首套房貸款利率低至4.1%,已低於2009年房貸利率打七折後的4.156%。
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