5年期以上LPR下调5个基点 首套房贷利率降至5.15%

　　房贷利率下调 年轻人要珍惜“首贷”

　　对于近期想要买房的年轻人，房贷利率降了肯定是好事，但相比此次降息的5个基点，首套房贷的机会更重要。

　　房贷利率下调

　　25年百万商贷每月可省近1200元利息

　　日前，央行公布了本月的贷款市场报价利率(LPR)：1年期3.7%，5年期以上4.6%，较上期分别下调10个基点(1个基点等于0.01%)和5个基点。由于房贷利率大都与5年期LPR挂钩，各家银行已于上周开始执行最新利率。

　　目前，北京地区个人住房贷款定价基准为：首套商业性个人住房贷款利率不低于相应期限LPR+55个基点，二套商业性个人住房贷款利率不低于相应期限LPR+105个基点。

　　此前，北京首套房贷利率下限为5.20%，二套房贷利率下限为5.70%；从1月21日开始，二者均跟随LPR下调5个基点，分别降至5.15%和5.65%。

　　不要小瞧这5个基点，对贷款月供的影响非常大。

　　以25年期100万商业房贷为例，首套房贷月供为5933.63 元，二套房贷月供为6230.78 元，比首套房贷高出297.15元。

　　如果贷款额度为400万的话，首套房贷月供为23724.52元，二套房贷月供24923.12元，每月相差1188.6元，25年累计下来，首套房贷比二套房贷要少付利息35.66万元。

　珍惜首次购房机会

　　买500万房产首套首付较二套少125万

　　年轻人首次买房时手里积蓄都不会太多，相较应付每月的月供，一次性凑齐数百万的房贷首付对大部分人来说更不容易。

　　目前，北京地区首套房首付款比例不低于35%，如果买的是非普通自住房，首付款比例不低于40%；二套房贷首付款比例不低于60%，购买非普通自住房的首付款比例不低于80%，分别比首套房贷高出25%和40%。

　　Taking an ordinary house of 5 million yuan in Beijing, the down payment for applying for a first-home loan requires 1.75 million yuan; if it is a second-home loan, a down payment of 3 million yuan is required. The difference between the two is 1.25 million yuan. .

　　Of course, the loan amount of the second home loan is also 1.25 million yuan less than that of the first home loan, and the monthly monthly payment will also be reduced accordingly.

However, for young people who are in the rising period, their income will generally increase year by year, and the pressure of monthly payment will only become less and less; and the down payment must be paid in one lump sum soon after signing the contract. If it can't be done, the house may "fly".

　　How is the first home identified?

Beijing implements the policy of “recognizing housing and recognizing loans”, that is, residents who have no housing and no commercial housing loan records or provident fund housing loan records in the city can enjoy the first home loan treatment.

If there is no house in the name, but there is a loan record, it can only be calculated as a second house.

　　How to choose equal principal and interest equal principal?

　　For example, if you buy a house for the first time with a price of 5 million yuan, the down payment is 1.75 million yuan, the loan is 3.25 million yuan, the term is 25 years, and the interest rate is 5.15%. What is the difference between the equal principal and interest and the equal principal repayment method?

　　Equal installments of principal and interest

　　●The first month's repayment amount is 19284.29 yuan

　　●Average 19284.29 yuan per month starting from the second month

　　●The total principal and interest is 5785285.64 yuan

　　●Pay interest of 2535285.64 yuan

　　equal principal

　　●The first month's repayment amount is 24,781.25 yuan

　　●From the second month, the monthly decrease of 46.49 yuan

　　●A total of 5,349,161.46 yuan of principal and interest

　　●Pay interest of 2,099,161.46 yuan

　　pay attention to

　　Which repayment method is more suitable for young people?

　　When many buyers are preparing to buy a house, they do not know the difference between equal principal and interest and equal principal. Although there is only one word difference between the two, they are actually quite different.

　　The monthly payment for a home buyer actually includes both principal and interest.

One of the most important features of equal principal and interest is that the monthly repayment amount is the same, but the proportion of principal and interest is different every month. The proportion of principal increases month by month, and the proportion of interest decreases month by month.

In the distribution ratio of "principal and interest" for monthly payment, the proportion of interest repaid in the first half of the period is large and the proportion of principal is small.

　　The advantage of the equal principal and interest repayment method is that the monthly repayment amount is the same, the loan repayment is stable, and it is convenient for the lender to reasonably arrange their own income and expenditure plan; the biggest disadvantage of this repayment method is that it pays more interest, so it is more suitable for future income. will gradually increase the number of young people.

　　等额本金法最大的特点是每月所还的本金都一样，但利息不同，月供呈逐月递减的状态，所以等额本金法第一个月的还款额最多，然后逐月减少，越还越少。这种还款法的优点是利息支出相对较少，缺点是前期还贷压力较大，适合目前收入较高，但是未来收入可能降低、准备提前还款或者几年后有置换打算的人群。

　　举例来说，如果一个年轻人首次购房要买一套售价500万元的房子，首付175万，贷款325万，期限25年，利率5.15%，按等额本息还款，每月还款19284.29元，25年总利息为2535285.64元；如果是按等额本金还款法，第一个月要还款24781.25元，比等额本息法的月供高了近5500元，以后每月递减46.49元，25年总利息支出为2099161.46元，比等额本息法少支出利息43.6万元。不过大部分购房者都会选择提前还款，一般还款年限不会超过10年，所以两种方法的实际利息相差不多。但月供增加5000元，会大大影响当前的生活质量。所以，等额本息还款法更适合年轻人。

　　本组文/本报记者 程婕