关于房贷，央行政策“三连发”！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pics.app.cnyw.net/static/publish/css/style.css?v=1605251010513" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010513"><!-- 付费贴--> <div class="preview_article "> <!----> <section style="letter-spacing: 0.578px; white-space: normal;"><section><p class="empty_paragraph" style="text-align: center;"> </p><section style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; text-align: left; visibility: visible;"><section style="outline: 0px; visibility: visible; border: 0px none initial;"><section style="margin: 5px auto; outline: 0px; visibility: visible;"><section style="padding: 5px; outline: 0px; visibility: visible; border: 2px solid #c00000;"><section style="outline: 0px; visibility: visible;"><section style="padding: 15px; outline: 0px; text-align: justify; line-height: 1.75; visibility: visible; border: 1px solid #c00000;"><p style="outline: 0px; text-indent: 0em; line-height: 1.75em; visibility: visible;"><span style="font-size: 18px; caret-color: red; outline: 0px; letter-spacing: 0.612px; visibility: visible;">5月17日，《中国人民银行关于调整商业性个人住房贷款利率政策的通知》《中国人民银行关于下调个人住房公积金贷款利率的通知》《中国人民银行 国家金融监督管理总局关于调整个人住房贷款最低首付款比例政策的通知》发布。</span></p></section></section></section></section></section></section></section></section></section><p style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; visibility: visible;"><span style="outline: 0px; visibility: visible; font-size: 16px;"> </span></p><section style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; font-size: 16px; visibility: visible;"><section style="margin-top: 10px; margin-bottom: 10px; outline: 0px; visibility: visible;"><section style="padding: 10px; outline: 0px; display: inline-block; width: 677px; box-shadow: #cccccc 0.2em 0.2em 0.3em; visibility: visible; border: 1px solid black;"><section style="outline: 0px; letter-spacing: 0.578px; text-align: center; visibility: visible;"><strong style="outline: 0px; visibility: visible;">中国人民银行关于调整商业性个人住房贷款利率政策的通知</strong></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><span style="outline: 0px; visibility: visible;">中国人民银行上海总部，各省、自治区、直辖市及计划单列市分行；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</span></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><span style="outline: 0px; visibility: visible;"> 为落实**、国务院决策部署，适应我国房地产市场供求关系的新变化、人民群众对优质住房的新期待，促进房地产市场平稳健康发展，现就调整商业性个人住房贷款利率政策有关事项通知如下：</span><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><span style="outline: 0px; visibility: visible;"> 一、取消全国层面首套住房和二套住房商业性个人住房贷款利率政策下限。</span><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><span style="outline: 0px; visibility: visible;"> 二、中国人民银行各省级分行按照因城施策原则，指导各省级市场利率定价自律机制，根据辖区内各城市房地产市场形势及当地政府调控要求，自主确定是否设定辖区内各城市商业性个人住房贷款利率下限及下限水平（如有）。</span><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><span style="outline: 0px; visibility: visible;"> 三、银行业金融机构应根据各省级市场利率定价自律机制确定的利率下限（如有），结合本机构经营状况、客户风险状况等因素，合理确定每笔贷款的具体利率水平。</span><p style="outline: 0px; visibility: visible;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><p style="outline: 0px; visibility: visible;"> </p></section><p style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><span style="outline: 0px; visibility: visible;"> 此前相关规定与本通知不一致的，以本通知为准。</span></p><p style="outline: 0px; letter-spacing: 0.578px; visibility: visible;"><span style="outline: 0px; visibility: visible;"> </span></p><p style="outline: 0px; letter-spacing: 0.578px; text-align: right; visibility: visible;"><span style="outline: 0px; visibility: visible;">中国人民银行</span></p><p style="outline: 0px; letter-spacing: 0.578px; text-align: right; visibility: visible;"><span style="outline: 0px; visibility: visible;">2024年5月17日</span></p></section></section></section><p style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; visibility: visible;"> </p><section style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; font-size: 16px;"><section style="margin-top: 10px; margin-bottom: 10px; outline: 0px;"><section style="padding: 10px; outline: 0px; display: inline-block; width: 677px; box-shadow: #cccccc 0.2em 0.2em 0.3em; border: 1px solid black;"><section style="outline: 0px; letter-spacing: 0.578px; text-align: center;"><strong style="outline: 0px;">中国人民银行关于下调个人住房公积金贷款利率的通知</strong></section><section style="outline: 0px; letter-spacing: 0.578px;"><p style="outline: 0px;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;">中国人民银行上海总部，各省、自治区、直辖市及计划单列市分行；各政策性银行、国有商业银行，中国邮政储蓄银行，各股份制商业银行：</span><p style="outline: 0px;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px;"><p style="outline: 0px;"> </p></section><p style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;"> 中国人民银行决定，自2024年5月18日起，下调个人住房公积金贷款利率0.25个百分点，5年以下（含5年）和5年以上首套个人住房公积金贷款利率分别调整为2.35%和2.85%，5年以下（含5年）和5年以上第二套个人住房公积金贷款利率分别调整为不低于2.775%和3.325%。</span></p><p style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;"> </span></p><p style="outline: 0px; letter-spacing: 0.578px; text-align: right;"><span style="outline: 0px;">中国人民银行</span></p><p style="outline: 0px; letter-spacing: 0.578px; text-align: right;"><span style="outline: 0px;">2024年5月17日</span></p></section></section></section><p style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff;"> </p><section style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; font-size: 16px;"><section style="margin-top: 10px; margin-bottom: 10px; outline: 0px;"><section style="padding: 10px; outline: 0px; display: inline-block; width: 677px; box-shadow: #cccccc 0.2em 0.2em 0.3em; border: 1px solid black;"><p style="outline: 0px; letter-spacing: 0.578px; text-align: center;"><strong style="outline: 0px;">中国人民银行 国家金融监督管理总局关于调整个人住房贷款最低首付款比例政策的通知</strong></p><p style="outline: 0px; letter-spacing: 0.578px;"> </p><p style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;">中国人民银行上海总部，各省、自治区、直辖市及计划单列市分行；国家金融监督管理总局各监管局；各国有商业银行，中国邮政储蓄银行，各股份制商业银行：</span></p><p style="outline: 0px;"> </p><section style="outline: 0px; letter-spacing: 0.578px;"></section><section style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;"> 为落实**、国务院决策部署，适应我国房地产市场供求关系的新变化、人民群众对优质住房的新期待，促进房地产市场平稳健康发展，现就个人住房贷款政策有关事项通知如下：</span><p style="outline: 0px;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px;"></section><section style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;"> 对于贷款购买商品住房的居民家庭，首套住房商业性个人住房贷款最低首付款比例调整为不低于15%，二套住房商业性个人住房贷款最低首付款比例调整为不低于25%。</span><p style="outline: 0px;"> </p></section><section style="outline: 0px; letter-spacing: 0.578px;"></section><section style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;"> 在此基础上，中国人民银行各省级分行、国家金融监督管理总局各派出机构根据城市政府调控要求，按照因城施策原则，自主确定辖区各城市首套和二套住房商业性个人住房贷款最低首付款比例下限。</span><p style="outline: 0px;"> </p></section><p style="outline: 0px; letter-spacing: 0.578px;"><span style="outline: 0px;"> </span></p><p style="outline: 0px; letter-spacing: 0.578px; text-align: right;"><span style="outline: 0px;">中国人民银行</span></p><p style="outline: 0px;"> </p><p style="outline: 0px; letter-spacing: 0.578px; text-align: right;"><span style="outline: 0px;">国家金融监督管理总局</span></p><p style="outline: 0px;"> </p><p style="outline: 0px; color: #3b2f2c; font-size: 14px; letter-spacing: 1.5px; text-align: right; line-height: 2em;"><span style="outline: 0px; font-size: 16px;">2024年5月17日</span></p></section></section></section><p style="margin-bottom: 0px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff;"> </p><p class="empty_paragraph" style="text-align: center;"> </p><p class="empty_paragraph" style="text-align: center;"> </p></section></section><section style="letter-spacing: 0.578px; white-space: normal;"><section><section><p style="text-align: center;"><span style="font-size: 13px; color: #666666; letter-spacing: 0.578px;">来源 / 新华社 中国人民银行 </span></p></section></section></section><p style="display: none;"> </p> <!----></div>
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