央行基准利率变了,我的房贷利率为何迟迟不变呢?

作者: 发布时间:2017-12-09 17:20:17  来源: [手机访问]
导读: 申请房贷时,常常遇到房贷基准利率上浮15%,房贷基准利率95折等等。若没接触过房贷,则听得云里雾里。那么基准利率到底是个什么东西呢?若是基准利率变了,房贷利
央行基准利率变了,我的房贷利率为何迟迟不变呢?

央行基准利率变了,我的房贷利率为何迟迟不变呢?

申请房贷时,常常遇到房贷基准利率上浮15%,房贷基准利率95折等等。若没接触过房贷,则听得云里雾里。那么基准利率到底是个什么东西呢?若是基准利率变了,房贷利率会怎么变化呢?

央行基准利率变了,我的房贷利率为何迟迟不变呢?

1基准利率:百度解释——基准利率是金融市场上具有普遍参照作用的利率,其他利率水平或金融资产价格均可根据这一基准利率水平来确定。简而言之,就是央行对工农中建四大行及其它银行规定的存贷款利率为基准利率。如下图。

央行基准利率变了,我的房贷利率为何迟迟不变呢?

2基准利率变了,房贷利率是否会变:房贷利率是以基准利率为基数上下浮动。即房贷上下浮动比是永远不变,是固定的,在此基础上,随着基准利率变化。如房贷上浮10%,则永远上浮10%,基准利率是4.9时,房贷利率是4.9*1.1;基准利率是6时,房贷利率是6*1.1。

央行基准利率变了,我的房贷利率为何迟迟不变呢?

3国家基准利率变化了,是否房贷还款额立马就变:银行房贷还款通常为两种还款方式:一种为每年1月1日作为还款日起点,即基准利率在8月份变了,还款额不会立马变化,而是会在第二年1月1日增加或减少,在2月或其它任何月份数都一样;另外一种为日对日一年还款,即以放款日利率还款一年后,以实时利率还款,一年对一年。即在3月8日还款,实时利率为4.9,在8月份利率变为6,那么还款额会在第二年3月8日变化,以基准利率6作为基数。(前提是,第二年3月8日的国家基准利率值为6)

央行基准利率变了,我的房贷利率为何迟迟不变呢?

总结:

1基准利率为国家规定的银行参考利率,作为银行利率的基数,银行以此上下浮动。

2银行贷款利率上下浮动比永远不变,然后跟着基准利率变化。 即利率上浮10%,永远上浮10%。

3基准利率变了,银行还款额分为两种方式:一种为为每年1月1日作为还款日起点;另外一种为日对日一年还款。

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}, shareInfo: { shareUrl: 'https://m.toutiao.com/group/6497347444454457870/', abstract: '申请房贷时,常常遇到房贷基准利率上浮15%,房贷基准利率95折等等。若没接触过房贷,则听得云里雾里。那么基准利率到底是个什么东西呢?若是基准利率变了,房贷利率会怎么变化呢?
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