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房贷利率迎历史点！盘点央行贷款利率七年变迁史

房天下房天下  2015-05-13 01:00

[摘要] 目前五年期贷款基准利率，商业贷款为5.65%，公积金利率为3.75%。自2008年以来，七年间，央行贷款利率共调整15次，从这15次变化来看，目前的房贷利率已经达到近七年来历史点，跌破了2008年年底开始执行的5.94与3.87的历史纪录。

5月10日，中国人民银行宣布，自2015年5月11日起下调金融机构人民币贷款和存款基准利率。金融机构一年期贷款基准利率下调0.25个百分点至5.1%；一年期存款基准利率下调0.25个百分点至2.25%。这是今年以来央行第二次降息，自去年11月以来的第三次降息。

目前五年期贷款基准利率，商业贷款为5.65%，公积金利率为3.75%。自2008年以来，七年间，央行贷款利率共调整15次，从这15次变化来看，目前的房贷利率已经达到近七年来历史点，跌破了2008年年底开始执行的5.94与3.87的历史纪录。

RDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="357" border="0">
RDER-: windowtext 1pt solid;HEIGHT: 24.75pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="33" width="118">时间RDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">公积金利率RDER-: windowtext 1pt solid;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">商业贷款利率
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2015.5.11RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">3.75%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">5.65%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2015.3.1RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.00%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">5.90%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2014.11.22RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.25%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">6.15%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2012.07.06RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.50%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">6.55%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2012.06.08RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.70%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">6.80%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2011.07.07RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.90%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">7.05%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2011.04.06RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.70%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">6.80%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2011.02.09RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.50%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">6.60%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2010.12.26RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.30%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;WIDTH: 101pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="134">6.40%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2010.10.20RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.05%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">6.14%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2008.12.23RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">3.87%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">5.94%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2008.11.27RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.05%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">6.12%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2008.10.30RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.59%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">7.20%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2008.10.09RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">4.86%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">7.47%
RDER-: windowtext;HEIGHT: 20.25pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 89pt;BORDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: white" height="27" width="118">2008.09.16RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 79pt;BORDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: white" width="105">5.13%RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">7.74%

近七年央行贷款利率变迁史

半年以来，央行三次降息，购房成本降低

直接影响：以贷款100万，20年，计算，如果按照基准利率计算，购房者之间可以减少月供143元月每月，合计20年可以减少3.43万的利息支出。

而连续3次降息后，贷款100万，20年将减少利息支出超过12.5万。

RDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="298" border="0">
RDER-: windowtext 1pt solid;HEIGHT: 34.5pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 62pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent" height="46" rowspan="2" width="82">100万20年RDER-: windowtext 1pt solid;BORDER-RIGHT: black 1pt solid;WIDTH: 162pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="216" colspan="3">基准利率
RDER-: windowtext;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" height="23">基准RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">月供RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent">总利息
RDER-: windowtext;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent" height="23">11.22前RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">6.55RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">7485RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">796447
RDER-: windowtext;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent" height="23">11.22后RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">6.15RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">7251RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">740267
RDER-: windowtext;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent" height="23">3.1日后RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">5.9RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">7107RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">705617
RDER-: windowtext;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent" height="23">5月11日RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">5.65RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">6964RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">671328
RDER-: windowtext;HEIGHT: 17.25pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent" height="23">降息影响RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">0.25RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">143RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">34289
RDER-: windowtext;HEIGHT: 18.75pt;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext 1pt solid;BACKGROUND-COLOR: transparent" height="25">三次叠加RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">0.9RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;BORDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">521RDER-: windowtext;BORDER-RIGHT: windowtext 1pt solid;BORDER-BOTTOM: windowtext 1pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" align="right">125119

自3月份以来，石家庄二手房市场持续回暖，在各种利好政策的影响下，成交持续火热。5月楼市再迎利好政策，央行降息，商贷利率和公积金利率达历史点。据石家庄房管局网站公布信息， 5月11日石家庄市二手房总成交量为124套，成交面积10802㎡。而自5月1日至11日，石家庄二手房成交套数达761套，成交总面积是66636㎡。由此可见，5月，石家庄二手房市场持续火热。

标签：房贷利率央行降息

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