[摘要] 对于买房人而言，5月注定是个“心痛”的时点。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">对于买房人而言，5月注定是个“心痛”的时点。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">北京、上海、广州、深圳，这四个一线城市的“银行们”已将首套房贷的基准利率从“9折”上调至基准利率，二套房贷维持在1.1倍。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">简单概括：大城市和“热点”城市的房贷利率上调了。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">虽然“心痛”，但我们还得了解一下，“9折”，基准利率和“1.1倍”有多大的区别。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">小白举例一：
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">我们以30年等额本金为例，买房贷款100万，“9折”利率的情况下，利息总额为66万，“不打折”的基准利率为74万，“1.1倍”利率为81万。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">一个小小的“上调”，100万的住房贷款，我们就得多付出近8万元。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">小白举例二：
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">若我们选择30年等额本息，买房贷款100万，“9折”利率的情况下，利息总额为80万，“不打折”的基准利率为91万，“1.1倍”利率为101万。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">同样的上调幅度，我们得多付出近10万元，等额本息压力更大。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">实际上，我们的生活几乎围绕着“房子”，天天背债度日。每个月拿到工资后，想到的件事就还房贷。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">2016年，四大国有银行的个人贷款中，住房贷款占比在77.20%-82.65%之间。工商银行个人住房贷款3.24万亿，农业银行2.55万亿，中国银行2.63万亿，建设银行3.58万亿。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">仅四大银行的“房贷”规模就超过12万亿。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">既然我们买房这么不易，还贷如此幸苦，银行怎么还这么狠心“调高利率”，难道是为了赚更多钱？
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">小白认为，银行若真的想赚房贷的钱，更应该“调低利率”，多放些“钱”，好让我们多买房子。实质上，在“调高”我们个人住房抵押贷款利率前，银行已经开始压缩房地产公司的贷款了，他们借钱更难，市场利率更高。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">“建房子的”和“买房子的”，两者都是银行”调控“的对象。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">让银行”上调“房贷利率的真正原因是”房子“在金融体系中占比太过惊人了。在四大国有银行的个人贷款中，房贷占比高达70%-80%，未来继续提升的空间已经不高了。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">我们没有更多的钱去逛街、购物、吃喝玩乐……我们的日子过得太过紧巴，银行都有点害怕。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">小白认为，银行或已预估到房贷的风险性，紧跟限购政策，压缩房贷规模。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">相关数据显示，除一线城市外，重庆、福州、苏州、厦门、南昌等城市也纷纷上调房贷利率。目前，二套房主流利率是基准利率上浮10%，其中12家银行已经停贷。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">你说自己为房子的事发愁，实则银行比你还愁。
RDER-BOTTOM: 0px;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;LINE-HEIGHT: 30px;WIDOWS: 2;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);FONT-STYLE: normal;TEXT-INDENT: 28px !important;MARGIN: 0px 0px 30px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;PADDING-LEFT: 0px;OUTLINE-WIDTH: 0px;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT-FAMILY: "Microsoft YaHei", 宋体;WHITE-SPACE: normal;ORPHANS: 2;COLOR: rgb(52,52,52);FONT-SIZE: 16px;BORDER-: 0px;FONT-WEIGHT: normal;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">现在，房贷利率上调，100万的房子要多支付”近10万“的利息。小白想想就“心痛”，房子的事情还是缓一缓吧，不知你怎么看？
免责声明：凡注明“来源：房天下”的所有文字图片等资料，版权均属房天下所有，转载请注明出处；文章内容仅供参考，不构成投资建议；文中所涉面积，如无特殊说明，均为建筑面积；文中出现的图片仅供参考，以售楼处实际情况为准。
