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2015年10月房贷利率表 银行降息促楼市发展

房天下房天下  2015-10-19 09:35

[摘要] 央行宣布自8月26日起，下调金融机构人民币贷款和存款基准利率，以进一步降低企业融资成本。8月26日降息是自去年11月22日以来的第五次央行降息。主要目的是继续发挥好基准利率的引导作用，促进降低社会融资成本，支持实体经济持续健康发展。

央行宣布自8月26日起，下调金融机构人民币贷款和存款基准利率，以进一步降低企业融资成本。8月26日降息是自去年11月22日以来的第五次央行降息。主要目的是继续发挥好基准利率的引导作用，促进降低社会融资成本，支持实体经济持续健康发展。

下表为历年房贷利率表，表中显示了自1991年到2015年8月26日贷款基准利率变化，新贷款利率表展现了目前银行房款基准利率、个人住房公积金贷款利率。

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RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2007.7.21RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="6.0299999999999999E-2">6.03%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="6.8400000000000002E-2">6.84%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="7.0199999999999999E-2">7.02%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="7.1999999999999995E-2">7.20%
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RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2007.9.15RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="6.4799999999999996E-2">6.48%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="7.2900000000000006E-2">7.29%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="7.4700000000000003E-2">7.47%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="7.6499999999999999E-2">7.65%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2007.12.21RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="6.5699999999999995E-2">6.57%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="7.4700000000000003E-2">7.47%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="7.5600000000000001E-2">7.56%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="7.7399999999999997E-2">7.74%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2008.9.16RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="6.2100000000000002E-2">6.21%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="7.1999999999999995E-2">7.20%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="7.2900000000000006E-2">7.29%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="7.5600000000000001E-2">7.56%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2008.10.08RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="6.1199999999999997E-2">6.12%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="6.93E-2">6.93%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="7.0199999999999999E-2">7.02%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="7.2900000000000006E-2">7.29%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2008.10.30RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="6.0299999999999999E-2">6.03%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="6.6600000000000006E-2">6.66%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="6.7500000000000004E-2">6.75%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="7.0199999999999999E-2">7.02%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2008.11.27RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.04E-2">5.04%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="5.5800000000000002E-2">5.58%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="5.67E-2">5.67%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="5.9400000000000001E-2">5.94%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2008.12.23RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="4.8599999999999997E-2">4.86%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="5.3100000000000001E-2">5.31%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="5.3999999999999999E-2">5.40%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="5.7599999999999998E-2">5.76%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2010.10.20RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.0999999999999997E-2">5.10%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="5.5599999999999997E-2">5.56%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="5.6000000000000001E-2">5.60%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="5.96E-2">5.96%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2010.12.26RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.3499999999999999E-2">5.35%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="5.8099999999999999E-2">5.81%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="5.8500000000000003E-2">5.85%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="6.2199999999999998E-2">6.22%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2011.02.09RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.6000000000000001E-2">5.60%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="6.0600000000000001E-2">6.06%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="6.0999999999999999E-2">6.10%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="6.4500000000000002E-2">6.45%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2011.04.06RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.8500000000000003E-2">5.85%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="6.3100000000000003E-2">6.31%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="6.4000000000000001E-2">6.40%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="6.6500000000000004E-2">6.65%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2011.07.07RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="6.0999999999999999E-2">6.10%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="6.5600000000000006E-2">6.56%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="6.6500000000000004E-2">6.65%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="6.9000000000000006E-2">6.90%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2012.06.08RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.8500000000000003E-2">5.85%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="6.3100000000000003E-2">6.31%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="6.4000000000000001E-2">6.40%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="6.6500000000000004E-2">6.65%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2012.07.06RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.6000000000000001E-2">5.60%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="0.06">6.00%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="6.1499999999999999E-2">6.15%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="6.4000000000000001E-2">6.40%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2014.11.22RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.6000000000000001E-2">5.60%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="5.6000000000000001E-2">5.60%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="0.06">6.00%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="0.06">6.00%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2015.03.01RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.3499999999999999E-2">5.35%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="5.3499999999999999E-2">5.35%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="5.7500000000000002E-2">5.75%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="5.7500000000000002E-2">5.75%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2015.05.11RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="5.0999999999999997E-2">5.10%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="5.0999999999999997E-2">5.10%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="5.5E-2">5.50%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="5.5E-2">5.50%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2015.06.28RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="4.8500000000000001E-2">4.85%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="4.8500000000000001E-2">4.85%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="5.2499999999999998E-2">5.25%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="5.2499999999999998E-2">5.25%
RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent;WIDTH: 59pt;HEIGHT: 14.25pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl26" height="19" width="78">2015.8.26RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 59pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="79" x:num="4.5999999999999999E-2">4.60%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 58pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="77" x:num="4.5999999999999999E-2">4.60%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 68pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="91" x:num="0.05">5.00%RDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: #e1e1e1;BACKGROUND-COLOR: transparent;WIDTH: 70pt;BORDER-: #e1e1e1;BORDER-RIGHT: windowtext 0.5pt solid" class="xl27" width="93" x:num="0.05">5.00%

此番降息后，购房者商业贷款买房，以贷款金额100万为基准， 贷款期限以240期为基准，还款金额每月可省139.82元，还款总额可省33555.49元。而公积金贷款买房，还款金额每月可省127.64元，还款总额可省30633.49元。

1

降息后，商业贷款买房还款变化

2

降息后，公积金贷款买房还款变化

贷款买房注意项：

1、在申请贷款时，借款人对自己还款能力做出正确的判断。根据自己的收入水平设计还款计划，并适当留有余地，不要影响自己的正常生活。

2、选择适合的还款方式。等额本息还款方式和等额本金还款方式两种，还款方式一旦在合同中约定，在整个借款期间就不得更改。

3、每月按时还款避免罚息。从贷款发起的次月起，一般是次月的放款时间为还款日，不要因为自己的疏忽造成违约罚息，导致再次银行申请贷款时无法审批。

4、妥善保管好您的合同和借据，同时认真阅读合同的条款，了解自己的权利和义务。

中国人民银行历年贷款利率表展现了自1991年到2015年6月28日贷款基准利率变化，从中可以看出本次央行降息将房贷利率下调到了25年以来低点。新存贷款利率表展现了目前银行存款基准利率、商贷利率、个人住房公积金贷款利率。

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标签：房贷利率表2015年10月央行降息

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