重磅！个人首套房商贷利率下限调整
<section style="margin: 0px 8px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 1.75em; text-indent: 0em; text-align: center; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(27, 55, 94); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">两部门通知</span></strong></span></section><p></p><section style="margin: 0px 8px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; line-height: 1.75em; text-indent: 0em; text-align: center; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(27, 55, 94); visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">调整差别化住房信贷政策</span></strong></span></section><p></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-indent: 0em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; visibility: visible;">新华社记者5月15日从中国人民银行获悉，人民银行、银保监会发布相关通知，调整差别化住房信贷政策。</span><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; color: rgb(27, 55, 94); visibility: visible;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">对于贷款购买普通自住房的居民家庭，首套住房商业性个人住房贷款利率下限调整为不低于相应期限贷款市场报价利率减20个基点，二套住房商业性个人住房贷款利率政策下限按现行规定执行。</strong></span></span></p><p></p><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></section><section style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; line-height: 1.75em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; visibility: visible;">全文如下</span></section><section style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-align: center; line-height: 1.75em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; visibility: visible;">▼</span></section><p></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; text-align: center; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><img class="rich_pages wxw-img" data-galleryid="" data-ratio="0.6586666666666666" data-s="300,640" src="https://bbs.whcdrm.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_jpg/cdpEKcgoS1Bc4jUSLUD3IweEmZHqC1uztzBwXhA8HEHQ7lZHp6yAl5GDqQyglpcJsBU8TQVJZQTtgIBVro3u9A/640?wx_fmt=jpeg&wxfrom=5&wx_lazy=1&wx_co=1" data-type="jpeg" data-w="1125" _width="677px" wah-hotarea="click" crossorigin="anonymous" alt="图片" data-fail="0" style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; vertical-align: bottom; height: auto !important; border-color: rgb(0, 0, 0); border-style: solid; border-width: 1px; visibility: visible !important; width: 677px !important;"/></p><p></p><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></section><p></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; text-indent: 0em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">中国人民银行</strong></span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; text-indent: 0em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">中国银行保险监督管理委员会</strong></span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; text-indent: 0em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">关于调整差别化住房信贷政策</strong></span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; text-indent: 0em; visibility: visible;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;">有关问题的通知</strong></span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.6em; text-align: center; text-indent: 0em; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: center; text-indent: 0em; visibility: visible;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">银发〔2022〕115号</span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.6em; text-align: justify; text-indent: 0em; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: justify; text-indent: 0em; visibility: visible;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">中国人民银行上海总部，各分行、营业管理部，各省会（首府）城市中心支行、副省级城市中心支行；各银保监局：</span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.6em; text-align: justify; text-indent: 0em; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: justify; text-indent: 0em; visibility: visible;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; visibility: visible; box-sizing: border-box !important; overflow-wrap: break-word !important;">为坚持房子是用来住的、不是用来炒的定位，全面落实房地产长效机制，支持各地从当地实际出发完善房地产政策，支持刚性和改善性住房需求，促进房地产市场平稳健康发展，按照国务院有关部署，现就差别化住房信贷政策有关事项通知如下：</span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.6em; text-align: justify; text-indent: 0em; visibility: visible;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;"/></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: justify; text-indent: 0em;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">一、</span><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px; color: rgb(27, 55, 94);"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;">对于贷款购买普通自住房的居民家庭，首套住房商业性个人住房贷款利率下限调整为不低于相应期限贷款市场报价利率减20个基点</strong></span><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 2px;">，二套住房商业性个人住房贷款利率政策下限按现行规定执行。</span></span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.6em; text-align: justify; text-indent: 0em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: justify; text-indent: 0em;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;">二、在全国统一的贷款利率下限基础上，人民银行、银保监会各派出机构按照“因城施策”的原则，指导各省级市场利率定价自律机制，根据辖区内各城市房地产市场形势变化及城市政府调控要求，自主确定辖区内各城市首套和二套住房商业性个人住房贷款利率加点下限。</span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.6em; text-align: justify; text-indent: 0em;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: right; text-indent: 0em;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;">中国人民银行</span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: right; text-indent: 0em;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;">中国银行保险监督管理委员会</span></p><p style="margin: 0px 16px 0em; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; line-height: 1.75em; text-align: right; text-indent: 0em;"><span style="margin: 0px 0px 0em; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 2px; box-sizing: border-box !important; overflow-wrap: break-word !important;">2022年5月15日</span></p><p style="margin-top: 0px; margin-bottom: 0em; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: 1.6em; box-sizing: border-box !important; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(34, 34, 34); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 17px; letter-spacing: 0.544px; text-align: justify; white-space: normal; background-color: rgb(255, 255, 255); box-sizing: border-box !important; overflow-wrap: break-word !important;"/></p><section style="overflow-wrap: break-word; max-width: 100%; white-space: normal; box-sizing: border-box;"><section powered-by="xiumi.us" style="overflow-wrap: break-word; max-width: 100%; margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;"><section style="overflow-wrap: break-word; max-width: 100%; height: 1px; background-color: rgb(160, 160, 160); box-sizing: border-box; line-height: 0;"><br style="overflow-wrap: break-word;"/></section></section></section><p style="overflow-wrap: break-word; margin-top: 0px; margin-bottom: 0px; padding: 0px;"><span style="color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; overflow-wrap: break-word;">来</span><span style="color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; overflow-wrap: break-word;">源：</span><span style="overflow-wrap: break-word; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">新华社 中国人民银行微信公众号</span><span style="color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; overflow-wrap: break-word;"><span style="overflow-wrap: break-word; letter-spacing: 1px;"></span></span><br/></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; white-space: normal; max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); font-size: 14px; box-sizing: border-box !important;">制作：<span style="overflow-wrap: break-word; letter-spacing: 1px;">吴昔 朱清洋</span> | </span><span style="overflow-wrap: break-word; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px;">编辑：方丹 | </span><span style="overflow-wrap: break-word; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px;">责编：方军</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; white-space: normal; max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; color: rgb(136, 136, 136); font-size: 14px; max-width: 100%; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px; max-width: 100%; line-height: 19.2pt;"><span style="overflow-wrap: break-word; font-weight: 700; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">出品：</span></span>蔡甸区融媒体中心</span></span></span></span></p><p style="overflow-wrap: break-word !important; margin: 0cm 0cm 0.0001pt; padding: 0px; white-space: normal; max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; text-align: center; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); font-size: 14px; box-sizing: border-box !important;">您有新闻线索，请联系我们：</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; white-space: normal; max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; 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