[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-JP2023081110473534115":3,"related-JP2023081110473534115":31},{"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":20,"vipExclusive":20,"allowComment":7,"style":26,"likeCount":20,"filePath":10,"duration":20,"playStyle":7,"seoKeywords":16,"articleModuleVoList":27,"extendContentList":28,"noteCount":20,"categoryList":29,"dailyKeywordList":30},10,5721,"1",1,"JP2023081110473534115","1041018","https:\u002F\u002Fjane7-file-prod.oss-cn-hangzhou.aliyuncs.com\u002F7fa1fb6b-8fa4-4cb1-b5d4-55c1518021b4.mp3","终于，房贷能少还点了","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","存量房贷下调，能省多少","\u003Csection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">晚上好，我是简七编辑部的卫星~\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">最近，我刚去银行预约了提前还贷，结果昨天手机就弹出一条新闻：\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"font-size:16px;\">\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%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「央行定调，不用提前还房贷了?」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">我还挺好奇，这是发生了啥事。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">点进去一看，原来央行将\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「存量房贷利率调整」\u003C\u002Fstrong>列入下半年的工作重点。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">提前还贷原因，主要是贷款利率太高，如果能调低些，可以减轻不少压力。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">不过，仔细研究下，我发现下调的好处未必有想象中大，甚至你没有买房，也可能付出额外「成本」。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">今天就来详细说说~\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #FF6827; background-color: #FFFED5; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\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; 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;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F4f47b9b8-aac0-4ee6-a813-8f3b2ae85ddd.jpg\" alt=\"图片\">\u003C\u002Fspan>\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;\">\u003Cspan style=\"font-size:16px;\">\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%; letter-spacing: 1px; caret-color: #333333; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: Optima-Regular, PingFangTC-light;\">01 \u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: var(--articleFontsize); letter-spacing: 0.034em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "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%; color: #D6A841; letter-spacing: 1px; text-decoration-style: solid; text-decoration-color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">买房人的定向「降息券」\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fh3>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"font-size:16px;\">\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%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「下调存量贷款利率」\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">的口号，并不是央妈第一次提出。\u003C\u002Fspan>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">两周前，央行政策司司长在回答房地产问题时，就说到：\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin: 0px 16px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: var(--weui-FG-1); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;     letter-spacing: 0.544px;  text-align: justify; text-indent: 0em;      background-color: rgb(255, 255, 255); text-decoration-thickness: initial;   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;\">\n  \u003Csection>\n   \u003Cspan style=\"color: #7F7F7F; font-size: 14px;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"color: #7F7F7F; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">支持和鼓励\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"color: #7F7F7F; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">商业银行与借款人自主协商变更合同约定，或者是新发放贷款置换原来的存量贷款。\u003C\u002Fspan>\u003C\u002Fspan>  \n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">大意是你可以和银行谈一谈，商量下怎么降。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">只不过，两周以来，几乎没啥银行响应，大多以「没接到通知」为由回绝客户。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"font-size:16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">所以，央妈的措辞也强硬了不少，从「支持和鼓励」升级为\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; background-color: #FFDAA9; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「指导」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">。\u003C\u002Fspan>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin: 0px 16px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: var(--weui-FG-1); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;     letter-spacing: 0.544px;  text-align: justify; text-indent: 0em;      background-color: rgb(255, 255, 255); text-decoration-thickness: initial;   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;\">\n  \u003Csection>\n   \u003Cspan style=\"font-size: 14px; color: #7F7F7F;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cspan style=\"font-size: 14px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">指导\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"font-size: 14px; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">商业银行依法有序调整存量个人住房贷款利率。\u003C\u002Fspan>\u003C\u002Fspan>  \n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">颇有一种按头的效果，不降也得降。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">银行不情愿的理由，不难理解，左手吸收存款，右手放出贷款，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">赚的是净息差。\u003C\u002Fstrong>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">现在要主动将贷款利率调低，相当于成本不变，售价打折，利润割一块肉，还是很难受的。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\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%; color: #D6A841; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">但利润少，总比没有好。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这两年，房产市场从热到冷，房贷利率不停「砍一刀」，降的主要是\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「加点」\u003C\u002Fstrong>。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">*房贷利率=LPR±加点\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">LPR会浮动，央行每月公布一次；加点是固定的，一旦敲定，理论上还贷期间就无法变动了。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">拿21年的无锡来说，买首套房成本=LPR+1.35%；\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"font-size:16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">等到23年，根据最新政策\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">（新房价格连续3个月下跌，城市可自行设置首套房利率下限）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">，无锡的首套房利率=LPR-0.5%。\u003C\u002Fspan>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">短短两年，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">加点就相差1.85%。\u003C\u002Fstrong>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Cp style=\"text-align:justify;margin: 16px 16px 0px; 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-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F7fed09c7-b8e9-4d04-9958-02441eeb244a.jpg\" alt=\"图片\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;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; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px;  text-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #888888; letter-spacing: 1px; text-align: center; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">图源：诸葛数据研究中心\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">找不到好的理财渠道，高位上车的「大冤种」，索性提前还贷了。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">所以，对银行来说，只要还有赚头，调低存量房贷也是有动力做的。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\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; color: rgba(0, 0, 0, 0.9); font-size: 17px;       text-decoration-thickness: initial;   letter-spacing: 0.578px;  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;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: Optima-Regular, PingFangTC-light;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Fe7f0c6d7-d875-41e6-8a19-7e9c7aef198c.jpg\" alt=\"图片\">\u003C\u002Fspan>\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;\">\u003Cspan style=\"font-size:16px;\">\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%; letter-spacing: 1px; caret-color: #333333; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: Optima-Regular, PingFangTC-light;\">02 \u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: var(--articleFontsize); letter-spacing: 0.034em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "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%; color: #D6A841; letter-spacing: 1px; text-decoration-style: solid; text-decoration-color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">08年VS现在，情况大不同\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fh3>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">咱们来看看唯一一次下调存贷利率的08年，是怎么操作的——\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">08年金融危机爆发，国内消费萎靡不振，出现了房价下跌、成交量减少的苗头。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">10月，央行宣布「首套普通自住住房的房贷利率下限，从下浮15%调整为下浮30%。」\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\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; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px; text-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cspan style=\"font-size:16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">算上当年5次下调贷款基准，首套住房成本从6.66%\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">（5 年以上贷款基准利率 7.83％，0.85 倍）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">降到4.15%\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">（5 年以上贷款基准利率 5.94％，0.7 倍）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">，折扣高达2.5个百分点。\u003C\u002Fspan>\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-indent: 0em;       text-decoration-thickness: initial;   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 \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-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">但政策只\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">硬性规定了首套房利率\u003C\u002Fstrong>，没提存量房贷利率怎么降。\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-indent: 0em;       text-decoration-thickness: initial;   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 \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-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">于是，大行继续维持存贷高利率，被中小银行抓住机会，挖角客户。\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-indent: 0em;       text-decoration-thickness: initial;   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 \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-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cspan style=\"font-size:16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">中小银行鼓励已经买房的人\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「跨行转按揭」\u003C\u002Fstrong>\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">：\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">先找担保公司还清大行的按揭贷款，再来自家银行开户重新贷款，绕道实现首套房7折的优惠。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">起先大行并不在意，直到越来越多客户流失，才意识到严重性。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">这场围绕存量客户的争夺战进行了3个月，09年元旦过后，大行们才松口，愿意给存量房贷打7折，买房人总算不用折腾了。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"font-size:16px;\">\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%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">那现在存量房贷会怎么降，能降低多少呢？\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">咱们的期待可别太高，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">优惠力度恐怕很有限——\u003C\u002Fstrong>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\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%; color: #D6A841; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">首先，银行竞争不太够。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">08年，银行普遍采取「转按揭」竞争，这套模式早已被严令禁止。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">就在去年，绍兴银行还想着操作一把，推出转按揭业务，很快被监管部门叫停。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Cp style=\"text-align:justify;margin: 16px 16px 0px; 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-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F261fcd94-7607-44a9-abbd-887afb541d3d.jpg\" alt=\"图片\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;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; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px;  text-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">图源：财联社\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">除非政策能松绑，否则抢客户的工具减少，意味着外部竞争有限，怎么降、降多少，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">得看贷款行的「自我革命」\u003C\u002Fstrong>。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\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%; color: #D6A841; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">其次，利率下调个性化。\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">「因城施策」后，各个城市加点不同。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"font-size:16px;\">\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%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">新旧贷款利率相差多的城市\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">，理论上能调得更低些。\u003C\u002Fspan>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">另外，利率优惠的有效期也不一定永久。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">比如，有媒体报道\u003Cspan style=\"text-decoration: none solid #222222; margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.5); letter-spacing: 0.578px; font-size: 16px;\">（羊城晚报）\u003C\u002Fspan>，兴业银行广州分行给提前还贷客户，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">提供1年期的利率优惠券\u003C\u002Fstrong>。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin: 0px 16px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: var(--weui-FG-1); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;     letter-spacing: 0.544px;  text-align: justify; text-indent: 0em;      background-color: rgb(255, 255, 255); text-decoration-thickness: initial;   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;\">\n  \u003Csection>\n   \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 14px; color: #7F7F7F; box-sizing: border-box !important; overflow-wrap: break-word !important;\">如有客户预约提前还款，银行可向客户提供最高1年期70BP利率优惠券，并叠加提供一款专属理财产品。\u003C\u002Fspan>  \n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">至于一年之后的利率，还有没有折扣，那就不好说了。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">总之，和08年全国性普降2.5%相比，这轮存量房贷下调的力度或许没那么大。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002F3bf8cf9f-7856-463b-8615-344c47c3ddce.jpg\" alt=\"图片\"> \n \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;\">\u003Cspan style=\"font-size:16px;\">\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%; letter-spacing: 1px; caret-color: #333333; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: Optima-Regular, PingFangTC-light;\">03 \u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; text-indent: 0em; font-size: var(--articleFontsize); letter-spacing: 0.034em;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "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%; color: #D6A841; letter-spacing: 1px; text-decoration-style: solid; text-decoration-color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">存款利率很难撑\u003C\u002Fspan>\u003C\u002Fstrong>\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; letter-spacing: 0.544px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; caret-color: #333333; color: #D6A841; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;font-family: Optima-Regular, PingFangTC-light;\">\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fh3>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">除了存量贷款，在央妈的工作计划里，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">目前的融资成本还不够低\u003C\u002Fstrong>：\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Cblockquote style=\"margin: 0px 16px; padding: 4px 0px 0px 10px; outline: 0px; border-left: 3px solid rgb(219, 219, 219); color: var(--weui-FG-1); font-size: 15px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;     letter-spacing: 0.544px;  text-align: justify; text-indent: 0em;      background-color: rgb(255, 255, 255); text-decoration-thickness: initial;   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;\">\n  \u003Csection>\n   \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 14px; color: #7F7F7F; box-sizing: border-box !important; overflow-wrap: break-word !important;\">继续引导\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">个人住房贷款利率\u003C\u002Fstrong>和首付比例\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">下行\u003C\u002Fstrong>；\u003C\u002Fspan>  \n  \u003C\u002Fsection>\n  \u003Csection>\n   \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 14px; color: #7F7F7F; box-sizing: border-box !important; overflow-wrap: break-word !important;\">促进企业综合融资成本和居民信贷\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">利率稳中有降\u003C\u002Fstrong>；\u003C\u002Fspan>  \n  \u003C\u002Fsection>\n \u003C\u002Fblockquote>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">一方面，这说明接下来市场的\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">流动性仍然挺宽松\u003C\u002Fstrong>，可以期待下降息、降准的「红包」。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">另一方面，\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important;\">也暗示存款利率或许还得降\u003C\u002Fstrong>。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">对银行来说，放贷的利润也不是白让的，得从存款上找补回来。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cbr> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"font-size:16px;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">加上目前净息差\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">（1.74%）\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">处在十年低位，再低可能会影响金融系统的稳定。\u003C\u002Fspan>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Cp style=\"text-align:justify;margin: 16px 16px 0px; 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-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cimg class=\"rich_pages wxw-img\" src=\"https:\u002F\u002Fimage.jane7.com\u002Ff18b6e5e-db30-4063-be36-70059bff91ab.jpg\" alt=\"图片\">\u003C\u002Fp>\n \u003Cp style=\"text-align:center;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; color: rgba(0, 0, 0, 0.9); font-size: 17px;     letter-spacing: 0.544px;  text-indent: 0em;       text-decoration-thickness: initial;   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;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 1px; text-decoration: none solid #222222; color: #888888; font-size: 14px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">图源：中邮证券研究所\u003C\u002Fspan>\u003C\u002Fp>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">存款利率的下降趋势，恐怕还得延续。\u003Cbr>\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">说起来，我的贷款利率是3.9%，不算高，可酷爱保本理财的老妈一看，市场上的大额存单只有3%出头，便催我赶紧还掉些。\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">所以，别看现在的存款利率低，再等等可能就没了😂\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">好了，关于存量房贷下降就和你聊到这儿了，如果你对存款产品感兴趣，欢迎留言，咱们后面详细出个攻略，帮你多赚点~\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; overflow-wrap: break-word !important; color: rgb(34, 34, 34); font-size: 16px; letter-spacing: 1px; text-decoration: none solid rgb(34, 34, 34);\">\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: #222222; letter-spacing: 1px; text-decoration: none solid #222222; font-size: 16px; box-sizing: border-box !important; overflow-wrap: break-word !important;\">晚安🌹\u003C\u002Fspan> \n \u003C\u002Fsection>\n \u003Csection>\n  \u003Cp>\u003Cbr>\u003C\u002Fp>\n \u003C\u002Fsection>\n\u003C\u002Fsection>","","2023-08-11 10:51:07","2023-08-12 17:00:00",100,0,"zhengjiurong@jane7.com","2023-08-11 10:47:35",21,false,15610,"1038002",[],[],[],[],[]]