[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2020051318215467869":3,"related-JP2020051318215467869":31},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":10,"fileInputUrl":11,"articleTitle":12,"coverImage":13,"listImage":14,"introduction":15,"description":16,"nonVipDescription":11,"postTime":17,"viewTime":17,"sortNumber":18,"isFree":19,"isShowList":7,"isRecommend":19,"linkType":7,"isOriginal":6,"hasMiniUrl":19,"hasAdvertising":19,"updateBy":20,"createTime":21,"visitCount":22,"isLiked":19,"realSearch":23,"isRead":19,"productId":24,"isCollected":19,"collectCount":7,"vipExclusive":19,"allowComment":7,"style":25,"canCopy":19,"likeCount":19,"duration":19,"playStyle":7,"seoKeywords":26,"articleModuleVoList":27,"extendContentList":28,"noteCount":19,"categoryList":29,"dailyKeywordList":30},10,2315,"1",1,"JP2020051318215467869","1041018",3,"","如果把房贷利率转换为LPR利率，一年能省多少钱？","https:\u002F\u002Fimage.jane7.com\u002F25a15b3d-9b4b-4c1d-beec-200bdc16342e.png","https:\u002F\u002Fimage.jane7.com\u002F6c90c4f6-8e10-4155-841a-56489f9c840f.png","房贷利率转换为LPR利率，一年能省多少钱？","\u003Csection>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">“2020年4月最新房贷基准利率：1年期LPR利率为3.85%，此前为4.05%；5年期以上LPR利率为4.65%，此前为4.75%，LPR利率下降0.10%。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">如果我们把房贷利率转换为LPR利率，一年能省下多少钱？这房贷利率，究竟是换还是不换？就着问题，今天，我们就来仔细聊一聊。”\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"line-height: 1.7;margin-bottom: 0pt;margin-top: 0pt;font-size: 11pt;color: #494949;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong class=\"ql-author-1650050\">LPR利率下降了，这意味着什么呢？简单说就是，后买房的朋友们，还的利息相对更少了……\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">举个例子：我们假设商业贷款的利率为5.39%，这也是很多城市常见的首套房贷款利率，在2020年4月20日降息后，利率就是5.29%了。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">如果你贷款100万，还款期限是30年，那么每年能省下700多元；如果还款是期限20年，每年也能省下672元，还款期限是10年，每年能省下591元。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">总的来说，如果贷款本金大、期限长，还是能省下不少钱的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\"> \u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">     \u003C\u002Fspan>\u003Cimg width=\"699\" height=\"auto\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fc2cdc124-9bf9-4a4b-acec-b0d35ba27c43.jpg\">\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">所以，我们的倾向：\u003Cstrong class=\"ql-author-1650050\">更建议你将房贷利率转换为LPR利率\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">这里也说下我们的分析逻辑，你认同了再做决定。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">今年的3月到8月期间，今年之前签订房贷合同的朋友，有且仅有一次选择的机会。具体来说，有两个选项：\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">1）浮动利率：换成LPR计价方式，未来利率会随LPR浮动；\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">2）固定利率，按照同一个利率一直执行下去。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">比如你合同上的房贷利率是4.9%，未来就一直按4.9%到还完为止。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong class=\"ql-author-1650050\">这里再简单科普下，LPR到底是什么？\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">LPR又叫做“贷款市场报价利率”。具体到每个月，由18家专门的银行分别报出自己的贷款利率，然后去掉最高价和最低价，剩余16个利率计算平均值，就得出了这个月的LPR，所以是每月浮动的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">理解了原理，选择的核心逻辑也明确了：你认为在你剩余的贷款期限中，LPR整体会是上升的，还是下降的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong class=\"ql-author-1650050\">认为会上升，就选固定利率，不受上涨影响；\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cstrong class=\"ql-author-1650050\">认为会下降，就选LPR利率，能够享受下降的实惠。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">仔细分析一下，短期来看，LPR整体下降是比较明确的；但长期来看，如果你的房贷剩余期限还比较长，怎么判断呢？\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">我们投研小伙伴也讨论了下，觉得\u003Cstrong class=\"ql-author-1650050\">LPR长期会上升的概率不大\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">随着利率市场化，房贷跟市场整体利率的长期变化方向，大概率也是相同的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">市场利率要长期涨，要么国内长期保持超高速增长，比如GDP持续6%+7%+，整个市场利率自然也会高，毕竟经济本身增长就这么快；或者，国内通胀严重，甚至持续严重。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">说实话，我觉得概率不大。当然，谁也不能完全预测未来，如果你完全不想接受任何变动，就想锁定固定利率，也是可以的。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">另外，补充一句，剩余贷款期限越短、剩余还款本金越小的朋友，这次调整的差别越小。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">你可以先算算实际能差的利息费用，然后再考虑要不要转换为LPR利率。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">看完这篇文章，相信你对房贷利率，要不要转换为LPR，已经有了答案。\u003C\u002Fspan>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cbr>\u003C\u002Fp>\n \u003Cp style=\"text-align:justify;margin: 0pt 16px; font-size: 11pt; color: rgb(73, 73, 73); line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">欢迎关注公众号【简七读财】，关注后发送“LPR”即可查看更多的干货内容。\u003C\u002Fspan>\u003C\u002Fp>\n\u003C\u002Fsection>","2020-05-13 18:21:56",100,0,"zhanglizi@jane7.com","2020-05-13 18:21:54",57,false,6712,"1038002","LPR,房贷",[],[],[],[],[32,44,54,64],{"pageSize":4,"articleWikiId":33,"wikiName":34,"articleCode":35,"locationType":36,"sortNumber":37,"articleTitle":38,"introduction":39,"coverImage":40,"likeCount":41,"realSearch":23,"createTime":42,"seoUrl":43,"seoKeywords":11},94,"财商入门","JP2021113010141917147",2,20211119,"有了30万，先买房还是先买车？","一些简单的分析，供你参考","https:\u002F\u002Fimage.jane7.com\u002F908d7713-956e-42af-bb39-8cab988e2d9f.png",12,"2021-11-30 10:14:19","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2021113010141917147-94.html",{"pageSize":4,"articleWikiId":45,"wikiName":46,"articleCode":47,"locationType":36,"sortNumber":48,"articleTitle":49,"introduction":50,"coverImage":51,"likeCount":19,"realSearch":23,"createTime":52,"seoUrl":53,"seoKeywords":26},99,"买房租房","JP2020051318175214523",20200513,"个人房贷利率转换为LPR利率，具体怎么办理？","自今年3月1日起，我们可以将固定的房贷利率，转换为LPR浮动利率。那具体怎么办理呢？以下两种方式，供你参考","https:\u002F\u002Fimage.jane7.com\u002F55eaa595-2248-4293-bd5b-01ea7217d4b0.png","2020-05-13 18:17:52","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020051318175214523-99.html",{"pageSize":4,"articleWikiId":45,"wikiName":46,"articleCode":55,"locationType":36,"sortNumber":56,"articleTitle":57,"introduction":58,"coverImage":59,"likeCount":60,"realSearch":23,"createTime":61,"seoUrl":62,"seoKeywords":63},"JP2021112022075459886",20211124,"13个实用技巧，有房没房都用得上","谈谈租房的一些技巧~","https:\u002F\u002Fimage.jane7.com\u002Fb5c325ab-1c2c-4d05-a9e5-72fc56cc9174.png",15,"2021-11-20 22:07:54","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2021112022075459886-99.html","租房,财商",{"pageSize":4,"articleWikiId":45,"wikiName":46,"articleCode":65,"locationType":36,"sortNumber":66,"articleTitle":67,"introduction":68,"coverImage":69,"likeCount":7,"realSearch":23,"createTime":70,"seoUrl":71,"seoKeywords":72},"JP2020071316581016440",20200713,"租房时如何避免被坑？13个技巧和法律常识","特意采访了一些租房达人和靠谱中介，整理了13条实在技巧和法律常识，分享给你~","https:\u002F\u002Fimage.jane7.com\u002Ff196aa88-9271-4aaf-9ef3-4075062b65b6.png","2020-07-13 16:58:10","https:\u002F\u002Fwww.jane7.com\u002Farticle-financing-JP2020071316581016440-99.html","财商"]