三期四肖必出刘伯温

、
新聞熱線:0551-62620110   互聯網違法和不良信息舉報電話:0551-62639564     安徽財經網 合肥市蜀山區黃山路599號時代數碼港23F--24F

注意了,房貸算法要變!
2020-01-02 10:57:01   來源:揚子晚報   編輯:   評論:0

凡市場星報、安徽財經網、掌中安徽記者署名文字、圖片,版權均屬于市場星報所有。任何媒體、網站或者個人,未經授權不得轉載、鏈接、轉帖或以其他方式復制發表;已經授權的媒體、網站,在轉載使用時必須注明“來源:市場星報、安徽財經網或者掌中安徽”,違者本單位將依法追究法律責任。

SHANGZHOUMO,YANGXINGFABUGONGGAOCHENG,WEISHENHUALILVSHICHANGHUAGAIGE,XUANBU2020NIAN3YUEDAO8YUETUIDONGCUNLIANGFUDONGLILVDAIKUANDEDINGJIAJIZHUNZHUANHUAN,CUJINDAIKUANJIZHUNLILVXIANGDAIKUANSHICHANGBAOJIALILVLPRZHUANHUAN,FANGDAIYONGHUKEYUYINXINGZHONGQIANHETONG,YUEDINGGUDINGLILVHUO“LPR+JIADIAN”LIANGZHONGLILVXINGSHI。DANYOUYUZHUANYEXINGTAIQIANG,HENDUODUZHEBIAOSHIKANBUDONG。NEIMEZHEYIZHUANHUANYIWEIZHUSHENMENI?NINJIADEFANGDAIZHUANHUANCHENGNAZHONGXINGSHIZUIHUASUANNI?JIZHEYONGTONGSUYIDONGDEFANGSHI,SHOUBASHOUJIANGHUANSUANFANGFAJIAOGEININ。

【政策要點】 2020年3月到8月任意時點 房貸客戶要選利率“換錨”方式

2019NIAN12YUE28RI,YANGXINGFABULEYITIAOZHONGBANGXIAOXI,CUNLIANGFANGDAILILVDINGJIAJIZHUNYAOGAILE,CONG2020NIAN3YUE1RIKAISHI,DINGJIAJIZHUNKAISHIZHUANHUANWEILPR,BUZAIGUAGOUYIQIANDEJIZHUNLILVLE。

三期四肖必出刘伯温JIZHELEJIEDAO,GERENZHUFANGDAIKUANYIBANDOUSHI5NIANQIYISHANGDESHANGYEDAIKUAN,YIQIANMAODINGJIZHUNLILV,ANJIZHUNLILVSHANGFUHUODAZHE;2019NIAN10YUE8RIYIHOUDEZENGLIANGFANGDAILILVMAODINGLPR,LPRSHIMEIGEYUEGONGBUYICIDEDAIKUANSHICHANGBAOJIALILV。MUQIAN,ZUIXINDE5NIANQILPRSHI4.8%,FANGDAILILVZAILPRJICHUSHANGJIADIANZUOWEIZUIZHONGLILV。ANZHAOYIQIANDESUANFA,GUAGOUJIZHUNLILVDEFANGDAILILVZAIYANGXINGDAIKUANJIZHUNLILVFASHENGBIANHUASHICAIYOUBIANHUA,ERGUAGOULPRDELILVHUISUIZHULPRBIANHUAERBIANHUA,LPRMEIGEYUEGONGBUYICI。

三期四肖必出刘伯温NEIME,CUNLIANGFANGDAILILVDINGJIAJIZHUNJUTIZENMEDIAOZHENGNI?YANGXINGGONGGAOZHONGGEICHULELIANGZHONGZHUANHUANXUANZEFANGAN。

三期四肖必出刘伯温DIYIZHONG:JIANGFANGDAILILVZHUANHUANWEIGUDINGLILV。ANZHAOGUIDING,SHANGYEXINGGERENZHUFANGDAIKUANZHUANHUANHOULILVSHUIPINGYINGDENGYUYUANHETONGZUIJINDEZHIXINGLILVSHUIPING。YENEIRENSHIFENXICHENG,XUANZEGUDINGLILVHOU,YIHOUHUANFANGDAIQIXIANNEILILVBUZAIFUDONG。

DIERZHONG:CONGJIZHUNLILVQIEHUANDAOLPR,XUANZE“LPR+JIADIAN”LILV。LPRSHIDAIKUANSHICHANGBAOJIALILV,LPRMEIYUEGONGBUYICI,SHIBUDUANBIANDONGDE,YIWEIZHU,RUGUOXUANZE“LPR+JIADIAN”LILV,NEIME,YIHOUDEFANGDAILILVJIANGSUIZHULPRDESHENGJIANGERKESHENGKEJIANG,YUEGONGYEKENENGBIANDUOHUOBIANSHAO。

【具體計算】

固定利率客戶,利率不再浮動

切換LPR客戶,“差值”保持不變

JIZHELEJIEDAO,YANGXINGGONGGAOXIANSHI,JIEKUANRENZHIYOUYICIXUANZEQUAN,ZHUANHUANZHIHOUBUNENGZAICIZHUANHUAN。RUHEJISUAN“XINLILV”,FANGDAIKEHUMENZAIMIANLINXUANZESHIFANLENAN,DAODINAZHONGXINGSHIBIJIAOHUASUANNI?

JULIJISUANRUXIA:

三期四肖必出刘伯温KEHUAZAI2012NIANNIANDIGOUFANG,DANGSHIXIANGSHOUDEFANGDAILILVZHEKOUWEI85ZHE,ANZHAOXIANZAIDEJIZHUNLILVSUAN,TADEDAIKUANLILVWEIJIZHUNLILV(4.9%)×0.85=4.17%。

三期四肖必出刘伯温ANZHAODIYIZHONGFANGSHI,FANGDAIKEHUAYUYINXINGXIESHANGHOUXUDELILVWEIGUDINGLILV4.17%,ZEYIHOUWULUNWAIBUHUANJINGRUHEGAIBIAN,TADOUANZHAO4.17%DEFANGDAILILVJINXINGHUANDAI。

ERANZHAODIERZHONGXINGSHI,KEHUAXUYAOXIANJISUANYULPRDECHAZHI。ZAIJIADIANSHUZHIFANGMIAN,JIADIANSHUZHIWEIYUANHETONGZUIJINDEZHIXINGLILV(4.17%)YU2019NIAN12YUELPR(4.8%)DECHAZHI(ZHEGEANLIZHONG,CHAZHIWEIFU0.63%),NEIME,ZAIHETONGSHENGYUQIXIANNEI,ZHEGECHAZHIYIZHIBAOCHIFU0.63%BUBIAN。BIRUWEILAILPRSHANGXINGDAO5.2%,NEIME,GAIKEHUDEFANGDAILILVJIESHIJIANGWEI5.2%-0.63%=4.57%,GAOYUGUDINGLILV(4.17%);DANSHIJIARUWEILAILPRXIAXINGDAO4.2%,ZEGAIKEHUJIESHIZHIXINGDEFANGDAILILVWEI3.57%,DIYUGUDINGLILV。

三期四肖必出刘伯温RUOKEHUBSHI2018NIANGOUFANG,FANGDAILILVWEIJIZHUNLILVSHANGFU10%,ZETAMUQIANZHIXINGDEFANGDAILILVWEI4.9%×(1+10%)=5.39%,ANZHAODIYIZHONGFANGSHI,TAKEYIYUYINXINGYUEDINGHOUXUANZHAOGUDINGLILV5.39%JINXINGHUANDAI;DANANZHAODIERZHONGFANGSHI,TADANGQIANLILVYU2019NIAN12YUELPR(4.8%)DECHAZHIWEI0.59%。JIARUWEILAILPRSHANGXING,ZETADEDAIKUANLILVYEHUIXIANGYINGSHANGXING,DANJIARUWEILAILPRXIAXINGDAO4.2%,ZEGAIKEHUJIESHIZHIXINGDEFANGDAILILVWEI4.2%+0.59%=4.79%,DIYUTASUOXUANZEDEGUDINGLILV。

三期四肖必出刘伯温KEYIKANCHU,SUIZHUWEILAILPRZOUSHIBUTONG,FANGDAILILVDEBIANHUAYIMULERAN。

【專家說法】 LPR利率長期看,下行空間大 看重穩定,也可選固定利率

三期四肖必出刘伯温JIZHETONGGUOJISUANDEZHI,XUANZENAZHONGXINGSHIGENGHUASUANQUJUEYUWEILAILPRDEZOUSHI,DANGWEILAILPRCHUYUXIAXINGKONGJIANSHI,XUANZEGUAGOULPRDELILVHUIGENGHUASUAN。LPRMEIGEYUEDOUFUDONG,SHIBUSHIFANGDAILILVYESHIMEIGEYUEFUDONGYICI?JUJIESHAO,MUQIAN,DADUOSHUCUNLIANGSHANGYEXINGGERENZHUFANGDAIKUANDEZHONGDINGJIAZHOUQIWEI1NIANQIEZHONGDINGJIARIWEIMEINIAN1YUE1RI。DANJINRONGJIGOUYUKEHUXIESHANGDINGJIAJIZHUNZHUANHUANTIAOKUANSHI,KEZHONGXINYUEDINGZHONGDINGJIAZHOUQIHEZHONGDINGJIARI,QIZHONGSHANGYEXINGGERENZHUFANGDAIKUANZHONGXINYUEDINGDEZHONGDINGJIAZHOUQIZUIDUANWEI1NIAN。

JUJIESHAO,CICIYANGXINGXINZHENGZHUYAOYINGXIANGDESHI2020NIANQIANGOUFANG、SHIYONGSHANGYEDAIKUANBINGQIECANKAODAIKUANJIZHUNLILVDINGJIADEGOUFANGZHE。YENEIZHUANJIABIAOSHI,DUIYUDAIKUANSHENGYUQIXIANJIAODUAN,DAIKUANSHENGYUEDUYEJIAOSHAODEGOUFANGZHE,LIANGZHONGFANGSHIDECHABIEBUDA。DANDUIYUDAIKUANEDUHEDAIKUANNIANXIANDOUBIJIAOCHANGDEGOUFANGZHE,XUANZESUIXINGJIUSHIGENGYOULI。RONG360DASHUJUYANJIUYUANFANGDAIFENXISHILIWANFUZAIJIESHOUYANGZIWANBAO/ZINIUXINWENJIZHECAIFANGSHIBIAOSHI,CONGZHONGCHANGQIKAN,LPRLILVSHUIPINGXIAXINGKONGJIANDA。ZAILPRJIXUXIAXINGXINGQINGXIA,YONGHUXUANZEZHUANHUANCHENGLPRDINGJIAJIZHUNDEFANGANBIJIAOYOULI,WEILAILIXIZHICHUHUIYOUSUOJIANSHAO。DANGRAN,XIANGBILPRKENENGXIAJIANGDAILAIDELIXIZHICHUJIANSHAO,RUGUOYONGHUGENGZHONGSHILILVWENDINGXINGHEBIANJIEXING,YEKEYIXUANZEZHUANHUANWEIGUDINGLILV。

ZHONGGUOMINSHENGYINXINGSHOUXIYANJIUYUANWENBINRENWEI,JINGUANYINXINGHUITIGONGFUDONGHEGUDINGLIANGZHONGDAIKUANBAOJIA,DANZAIYUQILPRXIAJIANGBEIJINGXIA,KEHUTONGCHANGHUIXUANZEFUDONGLILVBAOJIA,YINWEIDIANCHAYIJINGGUDINGLE。RUGUOYINJINGJIHUISHENG、TONGZHANGSHANGXING,LPRCHUYUSHANGSHENGZHOUQI,ZEFANGDAILILVYEHUISUIZHIZOUSHENG,ERRUGUOCIQIANQIANSHUDESHIGUDINGLILV,ZEFANGDAICHENGBENBUBIAN。

相關熱詞搜索:三期四肖必出刘伯温

上一篇:百城住宅均價漲幅連續多月維持低位
下一篇:最后一頁三期四肖必出刘伯温

分享到: 收藏
專題
  • 安徽財經網手機版

  • 市場星報微博

  • 市場星報公眾微信

  • 掌中安徽APP下載

  • 掌中安徽公眾微信