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5年期LPR维持不变,房贷利率还有多大下调空间?
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界面新闻记者 |王婷婷
界面新闻记者 |王婷婷
新一轮的降息空间再开启,但这次确实非对称性下调。
8月21日,央行宣布最新一期的贷款市场报价利率(LPR),1年期LPR从3.55%下调为3.45%,5年期以上LPR仍按兵不动,维持4.2%不变。
5年期不变,这也意味着对房贷利率、对公贷款等各类信贷业务利率随之下降的预期落空。从个人房贷角度来看,购房贷款属于长期借贷,购房者一般会参考5年期以上LPR。因此,5年期以上LPR的未同步下调,表明市场期待的减轻购房、还贷成本未能兑现。
很明显,此次“降息”的重心更多在于短期资金的成本下调,强调刺激内需和消费,而对于中长期贷款如个人住房按揭贷款、企业中长期贷款则意在保持平稳。
随着1年期LPR进一步下调,与LPR紧密相连的各项短期贷款利率也将迎来新一波调整。比如企业短期融资、消费贷等利率都将下降,可直接降低企业的融资成本、刺激个人信贷需求,以及提振居民消费和投资。