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央行降息后你节省了多少房贷利息呢

——降息后首套房贷利率或上浮

房天下   2015-03-03 09:12

[摘要] 2015年新年伊始,一波大利好政策来袭!春节前降准,春节后降息。央行在短时间内频频“放水”,对于房地产来说,是一个重磅利好消息。

房天下讯 2015年新年伊始,一波大利好政策来袭!春节前降准,春节后降息。央行在短时间内频频“放水”,对于房地产来说,是一个重磅利好消息。

降准降息

自央行宣布,2015年2月5日起下调金融机构人民币存款准备金率0.5个百分点后,2月28日央行宣布降息,自2015年3月1日起存贷款基准利率下降0.25个百分点,其中一年期贷款利率下降至5.35%;一年期存款基准利率下调至2.5%,将金融机构存款利率浮动区间的上限由存款基准利率的1.2倍调整为1.3倍,其他各档次存贷款基准利率及个人住房公积金存贷款利率相应调整。这是央行今年首次降息,距离上次降息仅3个月。

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这是央行去年11月22日降息以来半年内第二次降息。上次降息市场激情满满,本次降息则是早在各方预想中,只是没想到会比预想中来得早这么多,在年后周就降息,这就像是央行在春节后补发的。

值得一提的是,与上次降息是1年期贷款基准利率降0.4个百分点、存款基准利率降0.25个百分点不同,此次为对称降息。

除了活期存款的基准利率未动,其他各档次存贷款基准利率都在原来的基础上下调了0.25个百分点。其中,一年期存款基准利率由2.75%下调至2.5%,一年期贷款基准利率由5.6%下调至5.35%,5年以上贷款基准利率由原来的6.15%下调至5.9%。

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