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class="black" href="javascript:fontZoom(16)">?/a> <a class="black" href="javascript:fontZoom(14)"> ?/a> <a class="black" href="javascript:fontZoom(12)">?/a>?<font class="f12">2019/9/16 9:38:40</font>) </div> <div id="i3pzba1yccn" class="news_key"> 关键词:钢材 钢铁 钢材?钢铁?湖南钢材 湖南钢铁</div> <div id="i3pzba1yccn" class="news_img"><a ><img src="http://bhwzly.com/flashindex/tmxc735.jpg" width="735" height="60" border="0"></a></div> <div class="news_content" id="fontzoom"><P> <span style="font-size: small;">业内认为短期房贷利率下降可能性不?/span> <span style="font-size: small;">11日,?60大数据研究院发布8月房贷市场报告,重点监测?5个城市房贷数据显示,2019?月,全国首套房贷款平均利率为5.47%,环比上涨了3个基点;二套房贷款平均利率为5.78%,环比上?个基点。值得注意的是,房贷利率上涨趋势的覆盖城市数量和上涨幅度,均呈现上升态势?/span> <span style="font-size: small;">首套房方面,报告显示??7个城市首套房贷利率水平有所上涨。监控的35个城市中,已有两城首套房贷利率进?ldquo;6时代”。报告显示,苏州已三连涨,首套房贷平均利率环比上?个基点,?.04%;南宁首套房贷平均利?.01%,较7月的5.9%环比上涨11个基点?/span> <span style="font-size: small;">二套房贷方面,报告显示,重点监测城市二套房贷利率平均水平?.78%,环比上?个基点,已连续三个月上浮。具体来看,重点监测?33家银行分(支)行中,357家房贷利率为基准上浮12%?0%?/span> <span style="font-size: small;">关于LPR新报价机制对于房贷的影响,融360大数据研究院研究员李万赋指出,个人住房贷款新政要求未来新增房贷将参考LPR进行加点定价,首套商业性个人住房贷款利率不得低于相应期限贷款市场报价利率,二套商业性个人住房贷款利率不得低于相应期限贷款市场报价利率加60个基点?/span> <span style="font-size: small;">如果按照目前的LPR水平,那首套房贷款水平下限为4.85%;二套房贷款水平下限?.45%。李万赋表示?月全国首套房和二套房贷款平均利率水平均远高于新政规定的利率下限?/span> <span style="font-size: small;">“应注意到,从目前数据看,上海、厦门和天津的整体房贷利率水平低于新规下限,面临上涨压力?rdquo;李万赋说,房贷新政自10?日起实施,定价基准转换后,首套商业性个人住房贷款利率不得低于相应期限贷款市场报价利率,二套商业性个人住房贷款利率不得低于相应期限贷款市场报价利率加60个基点。这意味着如果9?0日LPR的最新报价没有下行,相关银行必须上调房贷利率水平?/span> <span style="font-size: small;">李万赋表示,近期央行降低存款准备金率,推出LPR新报价机制,虽然目的是通过银行传导可以降低贷款实际利率,但对于房地产行业,政策层面明确提出“不将房地产作为短期刺激经济的手?rdquo;,监管层对资金围堵力度之大,违规检查之严远超以往。短期来看,房贷利率下降的可能性不大?/span> <span style="font-size: small;">来源:经济参考报</span> </P></div> <div id="i3pzba1yccn" class="news_end"> </div> <div id="i3pzba1yccn" class="news_msg">天贸钢铁网免责声明:<br> 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