新LPR来了，这个一线城市房贷全国最便宜！新规下买房需注意！-小产权房558

_blank class=infotextkey>gn="center">_blank class=infotextkey>g alt="_blank class=infotextkey>get=_blank class=infotextkey>新LPR_blank class=infotextkey>get=_blank class=infotextkey>来了，_blank class=infotextkey>get=_blank class=infotextkey>这个_blank class=infotextkey>get=_blank class=infotextkey>一线_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>便宜！_blank class=infotextkey>get=_blank class=infotextkey>新规_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>买_blank class=infotextkey>get=_blank class=infotextkey>房需_blank class=infotextkey>get=_blank class=infotextkey>注意！" src="https://www.fan_blank class=infotextkey>g558.com/uploads/allim_blank class=infotextkey>g/19_blank class=infotextkey>1117/_blank class=infotextkey>get=_blank class=infotextkey>09_blank class=infotextkey>350YS4_0.jp_blank class=infotextkey>g">

昨天（_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>10月8号），_blank class=infotextkey>get=_blank class=infotextkey>新版 _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>正式启用。

　　_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定，_blank class=infotextkey>get=_blank class=infotextkey>新发放_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_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>利率，以 _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_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（LPR）为_blank class=infotextkey>_blank class=infotextkey>定价_blank class=infotextkey>get=_blank class=infotextkey>基准，加点形成。

　　_blank class=infotextkey>get=_blank class=infotextkey>图片来源：苏宁_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>金融

　　_blank class=infotextkey>get=_blank class=infotextkey>多数 _blank class=infotextkey>get=_blank class=infotextkey>城市都跟进_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>新_blank class=infotextkey>政，执行_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率按LPR+基础加点，但_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>get=_blank class=infotextkey>城市，_blank class=infotextkey>get=_blank class=infotextkey>比较_blank class=infotextkey>get=_blank class=infotextkey>特殊，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>选择了_blank class=infotextkey>get=_blank class=infotextkey>降点！

　　_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_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>降点，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>最低！_blank class=infotextkey>g>

　　_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>作为_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>一直以来_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>全国_blank class=infotextkey>最低的_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>g>，在本次_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率换锚之后，并_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有在_blank class=infotextkey>get=_blank class=infotextkey>5年期LPR基础_blank class=infotextkey>get=_blank class=infotextkey>上加点，而是_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>首套_blank class=infotextkey>get=_blank class=infotextkey>房减_blank class=infotextkey>get=_blank class=infotextkey>20个点_blank class=infotextkey>g>。

　　也就说，_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>公_blank class=infotextkey>get=_blank class=infotextkey>布的_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>最低为4.65%。

　　4.65%，是_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>概念呢？_blank class=infotextkey>get=_blank class=infotextkey>低于_blank class=infotextkey>央行_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公_blank class=infotextkey>get=_blank class=infotextkey>布_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>5年期LPR_blank class=infotextkey>get=_blank class=infotextkey>利率4.85%，这说明了_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>不但_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>“加点_blank class=infotextkey>get=_blank class=infotextkey>”，还_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>降点_blank class=infotextkey>get=_blank class=infotextkey>”了，但为_blank class=infotextkey>get=_blank class=infotextkey>什么_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有被_blank class=infotextkey>get=_blank class=infotextkey>监管_blank class=infotextkey>get=_blank class=infotextkey>叫停呢？

　　个_blank class=infotextkey>get=_blank class=infotextkey>人认为，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_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>降点，更符_blank class=infotextkey>合_blank class=infotextkey>g>_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>“因城施策_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>精神_blank class=infotextkey>get=_blank class=infotextkey>要求_blank class=infotextkey>g>。

　　_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>可以看做是_blank class=infotextkey>get=_blank class=infotextkey>调控_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>楼市的裤腰带，_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨，_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率就_blank class=infotextkey>get=_blank class=infotextkey>可以紧一紧_blank class=infotextkey>g>，从而抑制_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价过快_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨；_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价_blank class=infotextkey>get=_blank class=infotextkey>下跌，_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率就_blank class=infotextkey>get=_blank class=infotextkey>可以松一松_blank class=infotextkey>g>，好_blank class=infotextkey>get=_blank class=infotextkey>防止跌幅过_blank class=infotextkey>get=_blank class=infotextkey>大，引发_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>系统性_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>风险。

　　表：_blank class=infotextkey>get=_blank class=infotextkey>2019年8月70_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>二手_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住宅_blank class=infotextkey>get=_blank class=infotextkey>价格_blank class=infotextkey>get=_blank class=infotextkey>指数（来源：统计局）

　　（根据_blank class=infotextkey>get=_blank class=infotextkey>国家统计局的_blank class=infotextkey>get=_blank class=infotextkey>数据）

　　_blank class=infotextkey>get=_blank class=infotextkey>怎么看统计局_blank class=infotextkey>get=_blank class=infotextkey>每个月_blank class=infotextkey>get=_blank class=infotextkey>发_blank class=infotextkey>get=_blank class=infotextkey>布的_blank class=infotextkey>get=_blank class=infotextkey>销售_blank class=infotextkey>get=_blank class=infotextkey>价格_blank class=infotextkey>get=_blank class=infotextkey>指数呢？

　　举个例_blank class=infotextkey>get=_blank class=infotextkey>子，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>大家_blank class=infotextkey>get=_blank class=infotextkey>可以看_blank class=infotextkey>定基一栏，比如_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海写的是_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>39，这_blank class=infotextkey>get=_blank class=infotextkey>就是_blank class=infotextkey>get=_blank class=infotextkey>告诉_blank class=infotextkey>get=_blank class=infotextkey>你_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价是_blank class=infotextkey>get=_blank class=infotextkey>100的话，_blank class=infotextkey>get=_blank class=infotextkey>现在的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价是_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>39，_blank class=infotextkey>get=_blank class=infotextkey>现在比_blank class=infotextkey>get=_blank class=infotextkey>20_blank class=infotextkey>get=_blank class=infotextkey>1_blank class=infotextkey>get=_blank class=infotextkey>5年贵了_blank class=infotextkey>39%。

　　结论很粗_blank class=infotextkey>get=_blank class=infotextkey>暴，虽然这几_blank class=infotextkey>get=_blank class=infotextkey>年来各种_blank class=infotextkey>get=_blank class=infotextkey>调控手段依然眼里，尽管_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率依然打折，但_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价依然比前几年贵了。

　　根据社科院_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>中国_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>市场_blank class=infotextkey>get=_blank class=infotextkey>发展月度_blank class=infotextkey>get=_blank class=infotextkey>分析_blank class=infotextkey>get=_blank class=infotextkey>报告》，8月份，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国核心_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价停止_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上涨，_blank class=infotextkey>g>.fan_blank class=infotextkey>g558.com/esf/ tar_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>二手_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>成交量较快_blank class=infotextkey>get=_blank class=infotextkey>下滑_blank class=infotextkey>g>，而_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>一线_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房价以 _blank class=infotextkey>get=_blank class=infotextkey>下跌为主，_blank class=infotextkey>get=_blank class=infotextkey>北京、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海跌幅略_blank class=infotextkey>get=_blank class=infotextkey>有扩_blank class=infotextkey>get=_blank class=infotextkey>大_blank class=infotextkey>g>。

　　_blank class=infotextkey>如果_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>利率加点过猛_blank class=infotextkey>g>，对_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>楼市是_blank class=infotextkey>get=_blank class=infotextkey>一个_blank class=infotextkey>g>_blank class=infotextkey>get=_blank class=infotextkey>冲击_blank class=infotextkey>g>，弊_blank class=infotextkey>get=_blank class=infotextkey>大于利。所以_blank class=infotextkey>g>做出了_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>降点_blank class=infotextkey>get=_blank class=infotextkey>”的_blank class=infotextkey>get=_blank class=infotextkey>操作_blank class=infotextkey>g>，也情_blank class=infotextkey>get=_blank class=infotextkey>有可_blank class=infotextkey>原。

　　总之，牢记_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>政的核心是_blank class=infotextkey>get=_blank class=infotextkey>“一城一策_blank class=infotextkey>get=_blank class=infotextkey>”、切换稳_blank class=infotextkey>定，就对了。，

　　_blank class=infotextkey>不过，_blank class=infotextkey>get=_blank class=infotextkey>降点前后，_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>差别_blank class=infotextkey>不算_blank class=infotextkey>get=_blank class=infotextkey>太_blank class=infotextkey>get=_blank class=infotextkey>大，_blank class=infotextkey>get=_blank class=infotextkey>印象_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>上海_blank class=infotextkey>get=_blank class=infotextkey>房贷_blank class=infotextkey>get=_blank class=infotextkey>一直处于打折状态都快_blank class=infotextkey>get=_blank class=infotextkey>2年了，为_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>便宜。

　　图：据融_blank class=infotextkey>3_blank class=infotextkey>get=_blank class=infotextkey>60_blank class=infotextkey>get=_blank class=infotextkey>数据

_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>全国_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>最低_blank class=infotextkey>get=_blank class=infotextkey>城市_blank class=infotextkey>g>TOP_blank class=infotextkey>get=_blank class=infotextkey>10_blank class=infotextkey>g>

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