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存量按揭房貸本月起正式降息

發(fā)布時(shí)間：2015-01-05 08:32:49 來(lái)源：天津日?qǐng)?bào) 作者：佚名責(zé)任編輯：羅伯特

　　本報(bào)訊（記者李家宇見(jiàn)習(xí)記者馬曉冬）從本月起，購(gòu)房者可以正式享受去年11月降息的“福利”了，5年以上貸款基準(zhǔn)利率從此前的6.55%降至6.15%。按照新利率，房貸一族月供將“減負(fù)”，20年百萬(wàn)房貸月供減少200多元。專家提醒，由于新利率是從1月1日起執(zhí)行，1月還款中的本息是跨年的，所以需要分段計(jì)算，不同銀行在分段計(jì)息時(shí)對(duì)天數(shù)的執(zhí)行可能存在差異，在極端情況下，跨年分段計(jì)息會(huì)導(dǎo)致月供不減反增，但不會(huì)多很多。

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