新發(fā)放商業(yè)性個人住房貸款利率將“換錨”

Potential homebuyers examine property models at a sales site in Shanghai. [Photo provided to China Daily]

The People's Bank of China (PBOC) announced Sunday that it will replace the loan benchmark interest rate with the loan prime rate (LPR) as a benchmark for setting the interest rate of newly issued commercial individual housing loans.

8月25日，中國人民銀行宣布新發(fā)放商業(yè)性個人住房貸款利率的定價基準將由貸款基準利率變換為貸款市場報價利率。

【名詞解釋】

貸款市場報價利率(loan prime rate，簡稱LPR)是指由各報價行根據(jù)其對最優(yōu)質(zhì)客戶執(zhí)行的貸款利率(lending rates for their best customers)，按照公開市場操作利率加點形成的方式報價(submit their LPR quotations based on what they have bid for PBOC liquidity in open market operations)，由中國人民銀行授權(quán)全國銀行間同業(yè)拆借中心(National Interbank Loans Center)計算得出并發(fā)布的利率。

目前，商業(yè)銀行實行的存貸款利率是根據(jù)央行公布的存貸款基準利率(benchmark deposit and lending rate)制定的。

Starting from Oct. 8, the interest rate of newly issued commercial individual housing loans will be based on lastest month's LPR of the corresponding term, while certain basis points will be added, the PBOC said in a statement. Housing loan contracts already inked or in implementation will not be affected by the new rules.

央行發(fā)布的公告表示，自10月8日起，新發(fā)放商業(yè)性個人住房貸款利率以最近一個月相應期限的貸款市場報價利率(LPR)為定價基準加點形成。存量個人住房貸款利率不受新政影響。

定價基準轉(zhuǎn)換后，全國范圍內(nèi)新發(fā)放首套個人住房貸款利率不得低于相應期限LPR(the housing loan interest rate for first-time buyers should not be lower than the LPR of the corresponding term)，按8月20日5年期以上LPR計算為4.85%;二套個人住房貸款利率不得低于相應期限LPR加60個基點(按8月20日5年期以上LPR計算為5.45%)，與當前我國個人住房貸款實際最低利率水平基本相當(at the same level of the current lowest personal mortgage loan rate)。

公告表示，人民銀行省一級分支機構(gòu)應按照“因城施策”原則，在國家統(tǒng)一的信貸政策基礎上，根據(jù)當?shù)胤康禺a(chǎn)市場形勢變化，確定轄區(qū)內(nèi)首套和二套商業(yè)性個人住房貸款利率加點下限(a basis point addition floor will be decided based on the development of local property markets)。銀行業(yè)金融機構(gòu)應根據(jù)加點下限合理確定每筆貸款的具體加點數(shù)值。

Interest rate policies for individual housing loans via one's housing provident fund will stay unchanged.

公積金個人住房貸款利率政策暫不調(diào)整。

央行有關負責人表示，這一調(diào)整是為了落實好“房子是用來住的，不是用來炒的(housing is for living in, not for speculation)”定位和房地產(chǎn)市場長效管理機制(a long-term management mechanism for the real estate market)，確保定價基準平穩(wěn)有序轉(zhuǎn)換，維護借貸雙方合法權(quán)益。

【相關詞匯】

加息周期 interest rate hike cycle

注入流動性 inject liquidity

貨幣政策工具 monetary policy tools

存款準備金率 reserve requirement ratio (RRR)