[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。
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。
RDER-: windowtext 0.5pt solid; HEIGHT: 21pt; BORDER-RIGHT: windowtext 0.5pt solid; WIDTH: 324pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: #ff9900" height="28" width="432" colspan="3">2015年金融机构人民币存款基准利率调整表(单位:%) | ||
RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white" height="56" rowspan="2">项目 | RDER-: windowtext 0.5pt solid; BORDER-RIGHT: black 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" colspan="2">利率 | |
RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" height="28">降息前 | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white">降息后 | |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">活期存款 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">0.35 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">0.35 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">整存整取定期存款 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123"> | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137"> |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">三个月 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">2.35 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">2.1 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">半年 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">2.55 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">2.3 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">一年 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">2.75 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">2.5 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">二年 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-LEFT-COLOR: black; BORDER-BOTTOM-COLOR: #f0f0f0; BACKGROUND-COLOR: white" width="123">3.35 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">3.1 |
RDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM-COLOR: #f0f0f0; BORDER-LEFT: black 0.5pt solid; BORDER-RIGHT-COLOR: #f0f0f0; BACKGROUND-COLOR: white" height="23" width="172">三年 | RDER-: windowtext 0.5pt solid; BORDER-RIGHT: windowtext 0.5pt solid; WIDTH: 92pt; BORDER-BOTTOM-COLOR: #f0f0f0; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white" width="123">4 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-LEFT-COLOR: #f0f0f0; BORDER-BOTTOM-COLOR: #f0f0f0; BACKGROUND-COLOR: white" width="137">3.75 |
RDER-: windowtext 0.5pt solid; HEIGHT: 18pt; BORDER-RIGHT: windowtext 0.5pt solid; WIDTH: 129pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">个人住房公积金存款 | RDER-: windowtext 0.5pt solid; BORDER-RIGHT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: transparent"> | RDER-: windowtext 0.5pt solid; BORDER-RIGHT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: transparent"> |
RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 129pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">当年缴存 | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 92pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" width="123">0.35 | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 103pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" width="137">0.35 |
RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 129pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">上年结转 | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 92pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" width="123">2.35 | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 103pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" width="137">2.1 |
RDER-: windowtext 0.5pt solid; HEIGHT: 18pt; BORDER-RIGHT: windowtext 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: #ff9900" height="24" colspan="3">2015年金融机构人民币贷款基准利率调整表(单位:%) | ||
RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white" height="48" rowspan="2">项目 | RDER-: windowtext 0.5pt solid; BORDER-RIGHT: black 0.5pt solid; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" colspan="2">利率 | |
RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" height="24">降息前 | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white">降息后 | |
RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 129pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT: windowtext 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">商业贷款 | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 92pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" width="123"> | RDER-RIGHT: windowtext 0.5pt solid; BORDER--COLOR: windowtext; WIDTH: 103pt; BORDER-BOTTOM: windowtext 0.5pt solid; BORDER-LEFT-COLOR: windowtext; BACKGROUND-COLOR: white" width="137"> |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: #f0f0f0; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">六个月 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: #f0f0f0; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">5.6 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: #f0f0f0; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">5.35 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">一年 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">5.6 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">5.35 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">一至五年 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">6 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">5.75 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">五年以上 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">6.15 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">5.9 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="24" width="172">个人住房公积金贷款 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123"> | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137"> |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">五年以下(含五年) | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">3.75 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">3.5 |
RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 129pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT: black 0.5pt solid; BACKGROUND-COLOR: white" height="23" width="172">五年以上 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 92pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="123">4.25 | RDER-RIGHT: black 0.5pt solid; BORDER--COLOR: black; WIDTH: 103pt; BORDER-BOTTOM: black 0.5pt solid; BORDER-LEFT-COLOR: black; BACKGROUND-COLOR: white" width="137">4 |
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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