转发扩散！绵阳首套住房公积金贷款利率下调啦！快来详细了解一下。
<section data-tools="135编辑器" data-id="98028" style="margin-bottom: 0px;outline: 0px;visibility: visible;" data-mpa-powered-by="yiban.io"><section style="margin: 10px auto;outline: 0px;text-align: center;visibility: visible;"><section data-width="100%" style="outline: 0px;width: 677px;visibility: visible;"><section style="margin-left: 22px;outline: 0px;display: flex;justify-content: flex-start;align-items: center;visibility: visible;"><section style="outline: 0px;width: 0px;height: 1px;border-top: 5px solid transparent;border-left: 5px solid rgb(44, 62, 153);overflow: hidden;visibility: visible;"><br/></section></section></section></section></section><p><section data-role="outer" label="Powered by 135editor.com" data-tplid="100936" style="outline: 0px;color: rgb(34, 34, 34);letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);font-family: 思源黑体;visibility: visible;"><section style="padding-right: 15px;padding-left: 15px;outline: 0px;background: rgb(53, 139, 254);visibility: visible;"><section style="outline: 0px;visibility: visible;"><section data-autoskip="1" style="padding-top: 1em;padding-bottom: 1em;outline: 0px;line-height: 1.75em;letter-spacing: 1.5px;font-size: 14px;color: rgb(255, 255, 255);visibility: visible;"><p style="margin-right: 10px;margin-left: 10px;outline: 0px;text-indent: 2em;line-height: normal;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p><p style="margin-right: 10px;margin-left: 10px;outline: 0px;line-height: 2em;text-indent: 2em;visibility: visible;"><span style="outline: 0px;font-size: 17px;text-shadow: none;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">9月30日，中国人民银行发布公告，决定自2022年10月1日起，下调首套个人住房公积金贷款利率0.15个百分点。此次下调是央行自2015年10月份以来的首次。按照央行下调首套个人住房公积金贷款利率规定，市住房公积金服务中心印发《关于调整个人住房公积金贷款利率的通知》（绵住房公积金发〔2022〕12号），对我市住房公积金贷款利率作出相应调整并明确了具体执行口径。今天，小编就为大家详细介绍一下相关情况。</span></p></section></section><section style="outline: 0px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p></section><section data-id="97611" style="outline: 0px;visibility: visible;"><section style="margin-right: auto;margin-left: auto;outline: 0px;visibility: visible;"><section style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;visibility: visible;"><section hm_fix="291:510" style="outline: 0px;height: 30px;display: flex;justify-content: flex-start;visibility: visible;"><section style="padding-left: 6px;outline: 0px;background-image: -webkit-linear-gradient(left, rgb(74, 103, 252), rgb(117, 140, 249));color: rgb(255, 255, 255);letter-spacing: 1.5px;font-size: 18px;line-height: 30px;visibility: visible;"><p style="outline: 0px;visibility: visible;">01</p></section><section style="outline: 0px;width: 0px;height: 1px;border-bottom: 30px solid transparent;border-left: 14px solid rgb(117, 140, 249);overflow: hidden;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></section></section><section data-brushtype="text" style="margin-top: -18px;padding: 10px 1em 8px 2.5em;outline: 0px;background-image: -webkit-linear-gradient(left, rgb(230, 234, 254), rgb(247, 250, 255));font-size: 16px;color: rgb(0, 104, 255);letter-spacing: 1.5px;visibility: visible;"><p style="outline: 0px;text-align: left;visibility: visible;"><span style="outline: 0px;font-size: 17px;visibility: visible;"><strong style="outline: 0px;visibility: visible;">政策调整前后利率具体有什么变化？</strong></span></p></section></section></section></section></section><section style="outline: 0px;visibility: visible;"><section style="margin: 10px auto;padding: 10px;outline: 0px;background-color: rgb(229, 234, 254);visibility: visible;"><section style="padding: 1em;outline: 0px;background-color: rgb(254, 254, 254);display: flex;justify-content: flex-start;align-items: flex-start;visibility: visible;"><section style="outline: 0px;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;visibility: visible;"><section data-autoskip="1" style="outline: 0px;line-height: 1.75em;visibility: visible;"><p style="outline: 0px;text-indent: 2em;line-height: 2em;visibility: visible;"><span style="outline: 0px;color: rgb(89, 89, 89);font-size: 17px;text-shadow: none;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">央行公告发布前，我市首套个人住房公积金贷款利率（年利率）为5年以下（含5年）2.75%，5年以上3.25%；第二套个人住房公积金贷款利率为5年以下（含5年）3.025%，5年以上3.575%。</span></p><p style="outline: 0px;text-indent: 2em;line-height: 2em;visibility: visible;"><span style="outline: 0px;color: rgb(89, 89, 89);font-size: 17px;text-shadow: none;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">央行公告发布后，我市首套个人住房公积金贷款利率调整为5年以下（含5年）2.6%，5年以上3.1%，均下降0.15个百分点。第二套个人住房公积金贷款利率政策维持不变。</span></p><p style="outline: 0px;text-indent: 2em;line-height: normal;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p><p style="outline: 0px;line-height: 2em;text-indent: 0em;visibility: visible;"><span style="outline: 0px;color: rgb(89, 89, 89);font-size: 17px;text-shadow: none;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;"></span></p></section></section></section></section></section><section style="outline: 0px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p></section><section style="outline: 0px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p></section><section data-id="97611" style="outline: 0px;visibility: visible;"><section style="margin: 10px auto;outline: 0px;visibility: visible;"><section style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;visibility: visible;"><section hm_fix="291:510" style="outline: 0px;height: 30px;display: flex;justify-content: flex-start;visibility: visible;"><section style="padding-left: 6px;outline: 0px;background-image: -webkit-linear-gradient(left, rgb(74, 103, 252), rgb(117, 140, 249));color: rgb(255, 255, 255);letter-spacing: 1.5px;font-size: 18px;line-height: 30px;visibility: visible;">02</section><section style="outline: 0px;width: 0px;height: 1px;border-bottom: 30px solid transparent;border-left: 14px solid rgb(117, 140, 249);overflow: hidden;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></section></section><section data-brushtype="text" style="margin-top: -18px;padding: 10px 1em 8px 2.5em;outline: 0px;background-image: -webkit-linear-gradient(left, rgb(230, 234, 254), rgb(247, 250, 255));letter-spacing: 1.5px;font-size: 16px;color: rgb(0, 104, 255);text-align: left;visibility: visible;"><strong style="outline: 0px;visibility: visible;">利率调整的具体执行口径是什么？</strong></section></section></section></section></section><section style="outline: 0px;visibility: visible;"><section style="margin: 10px auto;padding: 10px;outline: 0px;background-color: rgb(229, 234, 254);visibility: visible;"><section style="padding: 1em;outline: 0px;background-color: rgb(254, 254, 254);display: flex;justify-content: flex-start;align-items: flex-start;visibility: visible;"><section style="outline: 0px;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;visibility: visible;"><section data-autoskip="1" style="outline: 0px;line-height: 1.75em;visibility: visible;"><p style="outline: 0px;text-indent: 2em;line-height: 2em;visibility: visible;"><span style="outline: 0px;color: rgb(89, 89, 89);font-size: 17px;text-shadow: none;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">（一）2022年10月1日前已发放个人住房公积金贷款，贷款期限在1年（含1年）以内的，贷款利率不作调整，仍执行原贷款利率；贷款期限在1年以上的，自2023年1月1日起执行新的个人住房公积金贷款利率。</span></p><p style="outline: 0px;text-indent: 2em;line-height: 2em;visibility: visible;"><span style="outline: 0px;color: rgb(89, 89, 89);font-size: 17px;text-shadow: none;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">（二）2022年10月1日前已受理但尚未发放的个人住房公积金贷款，按新的个人住房公积金贷款利率执行。</span></p><p style="outline: 0px;text-indent: 2em;line-height: 2em;visibility: visible;"><span style="outline: 0px;color: rgb(89, 89, 89);font-size: 17px;text-shadow: none;font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;visibility: visible;">（三）2022年10月1日（含）后受理的个人住房公积金贷款，按新的个人住房公积金贷款利率执行。</span></p></section></section></section></section></section><section style="outline: 0px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p></section><section style="outline: 0px;visibility: visible;"><p style="outline: 0px;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></p></section><section data-id="97611" style="outline: 0px;visibility: visible;"><section style="margin: 10px auto;outline: 0px;visibility: visible;"><section style="outline: 0px;text-align: center;visibility: visible;"><section style="outline: 0px;display: inline-block;visibility: visible;"><section hm_fix="291:510" style="outline: 0px;height: 30px;display: flex;justify-content: flex-start;visibility: visible;"><section style="padding-left: 6px;outline: 0px;background-image: -webkit-linear-gradient(left, rgb(74, 103, 252), rgb(117, 140, 249));color: rgb(255, 255, 255);letter-spacing: 1.5px;font-size: 18px;line-height: 30px;visibility: visible;">03</section><section style="outline: 0px;width: 0px;height: 1px;border-bottom: 30px solid transparent;border-left: 14px solid rgb(117, 140, 249);overflow: hidden;visibility: visible;"><br style="outline: 0px;visibility: visible;"/></section></section><section data-brushtype="text" style="margin-top: -18px;padding: 10px 1em 8px 2.5em;outline: 0px;background-image: -webkit-linear-gradient(left, rgb(230, 234, 254), rgb(247, 250, 255));letter-spacing: 1.5px;font-size: 16px;color: rgb(0, 104, 255);text-align: left;visibility: visible;"><strong style="outline: 0px;visibility: visible;">利率调整后可减少多少负担？</strong></section></section></section></section></section><section style="outline: 0px;visibility: visible;"><section style="margin: 10px auto;padding: 10px;outline: 0px;background-color: rgb(229, 234, 254);line-height: 2em;visibility: visible;"><section style="padding: 1em;outline: 0px;background-color: rgb(254, 254, 254);display: flex;justify-content: flex-start;align-items: flex-start;visibility: visible;"><section style="outline: 0px;font-size: 14px;letter-spacing: 1.5px;line-height: 1.75em;visibility: visible;"><section data-autoskip="1" style="outline: 0px;line-height: 1.75em;visibility: visible;"><p style="outline: 0px;text-indent: 2em;line-height: 2em;visibility: visible;"><span style="outline: 0px;font-size: 17px;visibility: visible;">以当前我市首套住房最高贷款限额70万元、最长贷款年限30年和等额本息还款方式为例，调整前利息总额约39.67万元、月供3046元，调整后利息总额约37.61万元、月供2989元，利息总额节省约2.06万元、月供减少约57元。</span></p></section></section></section></section></section><section style="outline: 0px;"><p style="margin-right: 15px;margin-left: 15px;outline: 0px;line-height: 2em;text-indent: 2em;"><br style="outline: 0px;"/></p><p style="margin-right: 15px;margin-left: 15px;outline: 0px;line-height: 2em;text-indent: 2em;"><span style="outline: 0px;text-shadow: none;letter-spacing: 1.5px;color: rgb(255, 255, 255);font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif;">具体情况可通过12345、12329热线、绵阳市住房公积金服务中心网上办事大厅、微信公众号、住房公积金受委托银行等正规渠道进行了解。</span></p><p style="margin-right: 15px;margin-left: 15px;outline: 0px;line-height: 2em;text-indent: 2em;"><br/></p></section></section></section></p><link rel="stylesheet" href="http://bbs.xishuw.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v133_spN" id="wcn_editor_css"/> 正在还贷的，会降息吗？ 明年一月开始
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