[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2023063012085012791":3,"related-JP2023063012085012791":33},{"pageSize":4,"id":5,"productLine":6,"status":7,"articleCode":8,"articleType":9,"showStyle":7,"mediaType":7,"fileInputUrl":10,"articleTitle":11,"coverImage":12,"listImage":13,"introduction":14,"description":15,"nonVipDescription":16,"postTime":17,"viewTime":18,"sortNumber":19,"isFree":20,"isShowList":7,"isRecommend":20,"linkType":7,"isOriginal":6,"hasMiniUrl":20,"miniUrl":16,"miniScheme":16,"miniImage":16,"itemTag":16,"createBy":21,"updateBy":21,"createTime":22,"visitCount":23,"isLiked":20,"realSearch":24,"isRead":20,"productId":25,"isCollected":20,"collectCount":26,"vipExclusive":20,"allowComment":7,"style":27,"likeCount":28,"filePath":10,"duration":20,"playStyle":7,"seoKeywords":16,"articleModuleVoList":29,"extendContentList":30,"noteCount":7,"categoryList":31,"dailyKeywordList":32},10,5638,"1",1,"JP2023063012085012791","1041018","https:\u002F\u002Fjane7-file-prod.oss-cn-hangzhou.aliyuncs.com\u002F036392d8-b98e-4d22-8ff7-b843cf79dff9.mp3","降息ing，这次轮到你的房贷","https:\u002F\u002Fimage.jane7.com\u002F3375725c-d389-414b-8026-187a459f2892.png","https:\u002F\u002Fjane7-prod.oss-cn-hangzhou.aliyuncs.com\u002Fmanager\u002Farticle_default_img.png","央妈送来大红包","\u003Csection>\n \u003Csection>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em; visibility: visible;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333; visibility: visible;font-family: Optima-Regular, PingFangTC-light;\">上周降息文章里，咱们聊过，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333; color: #D6A841; visibility: visible;font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; visibility: visible;\">房贷利率\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333; visibility: visible;font-family: Optima-Regular, PingFangTC-light;\">大概率会下调。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">今天一早，央妈就送来「大礼包」：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cblockquote style=\"margin: 1em 16px 0px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: rgb(51, 51, 51); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;     letter-spacing: 0.544px;  text-align: justify;       text-decoration-thickness: initial;   line-height: 2em; background-color: rgb(255, 255, 255);font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n   \u003Cp style=\"margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; letter-spacing: 0.544px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #888888; font-size: 14px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">1年期和5年期LPR，都下调10个基点。\u003C\u002Fspan>\u003Cbr>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; letter-spacing: 0.544px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 14px; letter-spacing: 1px; caret-color: #333333; color: #888888;font-family: Optima-Regular, PingFangTC-light;\">最新的1年期\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">LPR利率为3.55%；5年期LPR利率为4.2%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fblockquote>\n  \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003Cp>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">身上背了160万房贷的我，看到这条消息，赶紧拿计算器敲了敲：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">之后的月供减少97元，一年能省1100+，每个月能加根鸡腿啦~\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">这就来和你聊聊：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cblockquote style=\"margin: 1em 16px 0px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: rgb(51, 51, 51); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;     letter-spacing: 0.544px;  text-align: justify;       text-decoration-thickness: initial;   line-height: 2em; background-color: rgb(255, 255, 255);font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n   \u003Cp style=\"margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; letter-spacing: 0.544px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #888888; font-size: 14px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">1）LPR是什么？\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; letter-spacing: 0.544px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #888888; font-size: 14px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">2\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #888888; font-size: 14px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">）下调的原因有哪些？\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; letter-spacing: 0.544px; line-height: 2em;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #888888; font-size: 14px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">3）房贷减多少？\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #888888; font-size: 14px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">啥时候开减？\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fblockquote>\n  \u003Cp style=\"text-align:justify;margin: 8px 16px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 8px 16px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; font-size: 14px; background-color: #FFFED5; color: #FF6827;font-family: Optima-Regular, PingFangTC-light;\">*已经了解LPR的朋友可以跳过第一部分哦～\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block;  line-height: 2em;font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Ch3 style=\"margin: 0px 16px 16px; padding: 0px; outline: 0px;  font-size: 17px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9);    letter-spacing: 0.544px;        text-decoration-thickness: initial;   clear: both; min-height: 1em; text-align: center;  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333; color: #D6A841;font-family: Optima-Regular, PingFangTC-light;\">01 LPR是个啥？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fh3>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">LPR全称是\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「贷款市场报价利率」\u003C\u002Fstrong>，每个月20日\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: Optima-Regular, PingFangTC-light;\">（节假日顺延）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">更新一次。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">它是18家银行共同报价，去掉最高价和最低价后，平均下来形成的利率，更加市场化。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">LPR又分为两个期限品种，「1年期」和「5年期以上」——\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">贷款期限在5年及5年以内的，以\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">1年期LPR\u003C\u002Fstrong>为基准，比如企业贷款；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">5年以上的长期贷款，以\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">5年期以上LPR\u003C\u002Fstrong>为基准，比如我们普通人买房。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">新发放的商业贷款都按「定价基准LPR」的变化走：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:center;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;        text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">房贷利率=LPR利率±加点-首套房下限\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">加点有\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">央行\u003C\u002Fstrong>的参与，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">放贷银行\u003C\u002Fstrong>也有决定权——\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">央行这边，为了鼓励刚需住房，首套房能在LPR的基础上减少-0.2%、二套房则有+0.6%的上浮。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">银行方面，个人信用低，利率就高些；信用好，就能低一点。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">目前，6月份的LPR更新后，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">全国的首套房利率最低能到4.0%，二套房4.8%的水平。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">值得一提的是，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">部分城市\u003C\u002Fstrong>的房贷利率还能更低——\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">从去年9月起，新房价格连续3个月下跌的城市，可以\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">自行设定首套房的利率下限。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">比如南宁、珠海、厦门的首套房利率下限能减少-0.5%~-0.6%，买房利率可\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">降到3.6%~3.7%左右。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">从历史来看，当前的利率称得上\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">史上最低\u003C\u002Fstrong>了。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F4a83ad61-ae91-48bf-b87b-8e9038e6b700.jpg\" alt=\"图片\">\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">2020年，咱们有一次\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">存量房贷\u003C\u002Fstrong>挂钩LPR还是固定利率的选择权\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; font-size: 14px; color: #888888;font-family: Optima-Regular, PingFangTC-light;\">（之后的房贷都默认挂钩LPR）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">——\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">如果你的房贷利率和LPR挂钩，应该很划算，这些年月供时不时就能少点；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">要是选定固定利率，还贷期间利率始终不变，就和LPR的调降无缘了。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">另外，\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333; color: #D6A841;font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">LPR只适用于商业贷款\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">，组合贷的话只有商业贷款部分参考LPR，公积金贷款部分不变。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">一旦确定房贷利率，还贷期间加点的变化就和你无关，影响利率的主要是LPR的升降。\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px;\">\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Ch3 style=\"margin: 0px 16px 16px; padding: 0px; outline: 0px;  font-size: 17px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9);    letter-spacing: 0.544px;        text-decoration-thickness: initial;   clear: both; min-height: 1em; text-align: center;  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333; color: #D6A841;font-family: Optima-Regular, PingFangTC-light;\">02 下调的原因有哪些？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fh3>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">说起来，上一次LPR下降，还是去年8月。为啥时隔10个月后，LPR又开始降了呢？\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: #FFDAA9;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: #FFDAA9; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">一方面，是降息的传导机制。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F5dfb1b98-f020-4890-926b-3b170248c364.jpg\" alt=\"图片\">\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">你可以简单理解，MLF是银行从央行手头获得的借钱成本，类似于「进货价」；\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">而LPR则是银行的贷款收益，类似于「售价」。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">为了让更多人来光顾，成本降低了，售价也会跟着降低。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">所以上周一MLF下降后，这周LPR的降低也就顺理成章了。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; letter-spacing: 1px; caret-color: #333333; font-size: 14px;font-family: Optima-Regular, PingFangTC-light;\">点击回顾MLF👉：\u003C\u002Fspan>\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs?__biz=MjM5MzA3MjI2NQ==&mid=2650669591&idx=1&sn=ed76a7033312697c018a693d936441db&chksm=be9637f189e1bee7401458cc2cfedf2b261b6a08f80869abf1ddc364cd3496323acbc19995fa&scene=21&sessionid=1687253376#wechat_redirect\" style=\"margin: 0px; padding: 0px; outline: 0px; color: rgb(0, 82, 255); text-decoration: none; -webkit-tap-highlight-color: rgba(0, 0, 0, 0); cursor: pointer; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: rgb(51, 51, 51); font-size: 14px;;color:#409eff;font-family: Optima-Regular, PingFangTC-light;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; font-size: 14px; color: #0052FF;font-family: Optima-Regular, PingFangTC-light;\">今年第1次「降息」，和我有关吗？\u003C\u002Fspan>\u003C\u002Fa>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: #FFDAA9;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; background-color: #FFDAA9; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">另一方面，是给市场注入信心。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">这两年的疫情，冲击了不少人的收入，而支出端\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: Optima-Regular, PingFangTC-light;\">（比如房贷）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">是刚性的。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">这意味着，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">大家能拿来改善住房、提高消费的钱在减少。\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">社会的运转中，一个人的消费是另一个人的收入。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">一旦\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「收入降低→缩减消费」\u003C\u002Fstrong>的负反馈形成，进而会影响到企业的营收、招聘，对经济的打击是很难想象的。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">另外，房地产仍然是经济的重要支柱，5月份，房企不管是拿地还是销售数据，都肉眼可见的低迷。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">落到我们消费者这边，大家的买房热情也不太高，就连一向坚挺的北上广深，二手房价都在下滑\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: Optima-Regular, PingFangTC-light;\">（环比下降0.4%）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">所以，降息一来能给买房人减减负，二来贷款利率下调，企业也能多借钱投资，进而拉动就业、消费。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">上周的国常会上，李强总理提到\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「加大宏观政策调控力度、着力扩大有效需求」\u003C\u002Fstrong>等方面，相信后续还有「稳增长」的政策，不妨期待一下~\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection>\u003C\u002Fsection>\n  \u003Ch3 style=\"margin: 0px 16px 16px; padding: 0px; outline: 0px;  font-size: 17px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.9);    letter-spacing: 0.544px;        text-decoration-thickness: initial;   clear: both; min-height: 1em; text-align: center;  line-height: 2em;font-family: -apple-system, "system-ui", "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333; color: #D6A841;font-family: Optima-Regular, PingFangTC-light;\">03  房贷减多少？啥时候减？\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fh3>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">最后，再来说说你的房贷能\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333; background-color: #FFDAA9;font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">减多少\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">我们和银行确认合同后，加点是已经固定好的，变的就只是LPR利率部分。比如这次就是\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">下降了0.1%\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">用计算器算一下，100万、30年期的贷款差不多每月能省58元，相当于月供打了99折。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F99f8cb36-1de1-489b-a24f-8337277be31e.jpg\" alt=\"图片\"> \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: Optima-Regular, PingFangTC-light;\">*房贷计算器：\u003C\u002Fspan> \n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 1.5em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: Optima-Regular, PingFangTC-light;\">https:\u002F\u002Fwww.fangdaijisuanqi.com\u002F\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">别小看这个力度，近四年5年期LPR下调了7次、\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">累计降幅达到0.65%\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">，日积月累下来，其实能省一大笔钱——\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">比如，我四年前的月供是9030元，现在是8570元，里外里减了快500元，美滋滋~\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">要是放到整个还款期限来看，能省上好几万。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">不过，这笔优惠你未必能马上享受到，还要看每个人的\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333; background-color: #FFDAA9;font-family: Optima-Regular, PingFangTC-light;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「重定价周期」和「重定价日」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">怎么安排。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">央妈规定，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">重定价周期最短为1年\u003C\u002Fstrong>。当然，你也可以和银行商量5年、10年的重定价周期。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">不过按照LPR不断下调的趋势，还是\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">每年调整一次比较划算\u003C\u002Fstrong>。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">等到每次重新定价，定价基准会调整为\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「最近一个月的5年以上LPR」\u003C\u002Fstrong>，定好就会延续一整个周期。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">一般银行会默认两种选择：\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003Cblockquote style=\"margin: 0px 16px; padding: 0px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: rgb(51, 51, 51); font-size: 17px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;     letter-spacing: 0.544px;  text-align: justify;       text-decoration-thickness: initial;   clear: both; min-height: 1em; display: block; background-color: rgb(255, 255, 255); line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\n   \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;  display: block;           text-decoration-thickness: initial;   color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px;  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; font-size: 14px; color: #888888;font-family: Optima-Regular, PingFangTC-light;\">1）每年1月1日\u003C\u002Fspan>\u003C\u002Fp>\n   \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em;  display: block;           text-decoration-thickness: initial;   color: rgb(51, 51, 51); font-size: 17px; letter-spacing: 0.544px;  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; font-size: 14px; color: #888888;font-family: Optima-Regular, PingFangTC-light;\">2）贷款放款日对应的每年对月对日\u003C\u002Fspan>\u003C\u002Fp>\n  \u003C\u002Fblockquote>\n  \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003Cp>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">如果重定价日在1-19日，那么跟着上个月LPR走；其他日子跟着本月最新的LPR走。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #D6A841;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">举个例子：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>    \n   \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan> \n  \u003C\u002Fsection>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">「重定价日」是每年1月1日，那么\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">上一年的12月20日的LPR\u003C\u002Fstrong>决定了你这一年的贷款利率。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">今天的LPR下降，和你今年的房贷利率没有关系。\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">再比如，你的「重定价日」是每年的7月1日，很快就可以享受到今天\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 1px; caret-color: #333333; color: #888888; font-size: 14px;font-family: Optima-Regular, PingFangTC-light;\">（6月20日）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">的LPR的利率了～\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cbr>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">好啦，关于LPR下调就和你聊到这里，附上总结图——\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F88d1a097-856b-4c2c-9a7e-e7e013c3c4a8.jpg\" alt=\"图片\">\u003C\u002Fp>\n  \u003Cp style=\"text-align:justify;margin: 0px 16px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; clear: both; min-height: 1em; font-size: 17px;     letter-spacing: 0.544px;       text-decoration-thickness: initial;   display: block; color: rgb(51, 51, 51);  line-height: 2em;font-family: -apple-system, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333;font-family: Optima-Regular, PingFangTC-light;\">晚安\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: #222222; font-size: 16px; letter-spacing: 1px; caret-color: #333333; ;font-family: Optima-Regular, PingFangTC-light;\">🌹\u003C\u002Fspan>~\u003C\u002Fspan>\u003C\u002Fp>\n  \u003Csection>\n   \u003Cp>\u003Cbr>\u003C\u002Fp>\n  \u003C\u002Fsection>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","","2023-06-30 12:11:36","2023-07-01 17:00:00",100,0,"zhengjiurong@jane7.com","2023-06-30 12:08:50",63,false,15493,4,"1038002",3,[],[],[],[],[]]