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央行降息算算账50万商贷每月少还71元

房天下房天下  2015-05-11 16:55

[摘要] 中国人民银行决定，自2015年5月11日起下调金融机构人民币贷款和存款基准利率。金融机构一年期贷款基准利率下调0.25个百分点至5.1%；一年期存款基准利率下调0.25个百分点至2.25%，同时结合推进利率市场化改革，将金融机构存款利率浮动区间的上限由存款基准利率的1.3倍调整为1.5倍;

【高密房天下讯】中国人民银行决定，自2015年5月11日起下调金融机构人民币贷款和存款基准利率。金融机构一年期贷款基准利率下调0.25个百分点至5.1%；一年期存款基准利率下调0.25个百分点至2.25%，同时结合推进利率市场化改革，将金融机构存款利率浮动区间的上限由存款基准利率的1.3倍调整为1.5倍;其他各档次贷款及存款基准利率、个人住房公积金存贷款利率相应调整。

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金融机构人民币存贷款基准利率调整表

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调整后利率(单位：%)

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一、城乡居民和单位存款

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（一）活期存款

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0.35

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（二）整存整取定期存款

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三个月

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1.85

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半年

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2.05

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一年

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2.25

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二年

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2.85

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三年

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3.5

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   二、各项贷款

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一年以内（含一年）

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5.1

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一年至五年（含五年）

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5.5

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    五年以上

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5.65

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三、个人住房公积金贷款

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五年以下（含五年）

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3.25

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     五年以上

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3.75

 

调整后五年商业贷款基准利率为5.5%，五年以上商贷基准利率为5.65%。

1

降息前

1

降息后

按照目前各大银行首套房主流基准利率执行来看，商业贷款50万元，利率调整后，20年贷款每月还款3482元，较调整前3553元每月少还71元，30年期限内总计少还款1.7万元。

 

1

（本文新闻来源高密房天下-房地产门户网站房天下·房天下，转载请注明出处）

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