又降！泸州首套房贷利率最低3.9%，置业门槛进一步降低！
<section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; box-sizing: border-box; line-height: 2em; margin-bottom: 24px; margin-left: 16px; margin-right: 16px; text-align: center;"><span style="color: rgb(123, 12, 0);"><strong><span style="color: rgb(123, 12, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;"></span></strong></span></p><p style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(123, 12, 0);"><strong><span style="color: rgb(123, 12, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">今日重磅！泸州首套房贷利率最低可做到3.9%！</span></strong></span></p><section style="box-sizing: border-box;font-size: 16px;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="font-size: 14px;font-family: PingFangSC-light;color: rgb(0, 0, 0);box-sizing: border-box;letter-spacing: 2px;">在今年国庆前夕，人民银行、银保监会发布关于阶段性调整差别化住房信贷政策的通知，决定阶段性调整差别化住房信贷政策。</span><span style="color: rgb(0, 0, 0);font-family: PingFangSC-light;font-size: 14px;letter-spacing: 2px;">符合条件的城市政府，可自主决定在2022年底前阶段性维持、下调或取消当地新发放首套住房贷款利率下限。</span></section></section></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;"></span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">据悉，目前泸州已有多家银行执行首套最新3.9%，比如工商银行、农业银行、泸州银行，后续其他银行或将陆续发布通知。这意味着泸州购房者的置业门槛进一步降低。</span><span style="font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;font-size: 12px;color: rgb(136, 136, 136);">(银行不同房贷利率也可能有所出入<span style="color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 14px;letter-spacing: 1px;caret-color: rgb(34, 34, 34);background-color: rgb(255, 255, 255);">，</span>具体以银行审批为准，望大家悉知。）</span></section></section><p><br/></p><section style="box-sizing: border-box;font-size: 16px;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(207, 65, 61);min-width: 5%;max-width: 100%;height: auto;padding: 11px;box-sizing: border-box;"><section style="font-size: 20px;text-align: justify;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="letter-spacing: 2px;"><strong style="box-sizing: border-box;">泸州首套房贷最低3.9%！</strong></span></p></section></section><section style="display: inline-block;vertical-align: bottom;width: auto;min-width: 5%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: flex-end;box-sizing: border-box;"><section style="transform: perspective(0px);-webkit-transform: perspective(0px);-moz-transform: perspective(0px);-o-transform: perspective(0px);transform-style: flat;box-sizing: border-box;" powered-by="xiumi.us"><section style="transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-webkit-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-moz-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-o-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);box-sizing: border-box;"><section style="display: inline-block;width: 18px;height: 18px;vertical-align: top;overflow: hidden;background-color: rgb(207, 65, 61);box-sizing: border-box;"><section style="text-align: justify;box-sizing: border-box;" powered-by="xiumi.us"></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">房贷利率的下调，对于不少有刚性需求和改善性需求的购房者来说，是非常大的利好。</span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">要知道在去年，泸州各大银行首套房贷利率最高为5.9%，如今短短1年，最高下调2%，幅度可谓相当惊人。</span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">那么，房贷利率下调2%，到底会降低多少买房成本呢？</span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">我们在泸州以购买首套新建住宅为例，<strong>总房价60万元，如果首付两成12万元，贷款48万元，按揭30年，按照等额本息的还款方式</strong>，利率不同，购房成本也会不同。</span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;text-align: center;"><span style="font-size: 15px;"><strong><span style="font-size: 15px;box-sizing: border-box;font-family: PingFangSC-light;letter-spacing: 2px;text-align: center;color: rgb(123, 12, 0);">不同利率商业贷款参考详情</span></strong></span></section><section style="text-align: center;margin-left: 16px;margin-right: 16px;"></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;"></span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">2021年首套房贷最高利率为5.9%，而目前最低利率为3.9%。</span><strong style="color: rgb(123, 12, 0);"><span style="font-family: PingFangSC-light;font-size: 14px;letter-spacing: 2px;">综上所述：按揭30年，少了20.99万元的利息，月供少了583元。</span></strong></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">再加上公积金政策、首付两成、购房补贴等利好，如果想买房的不妨去看看。</span><span style="color: rgb(0, 0, 0);font-family: PingFangSC-light;font-size: 14px;letter-spacing: 2px;"></span></section></section><section style="line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(207, 65, 61);min-width: 5%;max-width: 100%;height: auto;padding: 11px;box-sizing: border-box;"><section style="font-size: 20px;text-align: justify;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="letter-spacing: 2px;"><strong style="box-sizing: border-box;">泸州公积金贷款最低2.6%！</strong></span></p></section></section><section style="display: inline-block;vertical-align: bottom;width: auto;min-width: 5%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: flex-end;box-sizing: border-box;"><section style="transform: perspective(0px);-webkit-transform: perspective(0px);-moz-transform: perspective(0px);-o-transform: perspective(0px);transform-style: flat;box-sizing: border-box;" powered-by="xiumi.us"><section style="transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-webkit-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-moz-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-o-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);box-sizing: border-box;"><section style="display: inline-block;width: 18px;height: 18px;vertical-align: top;overflow: hidden;background-color: rgb(207, 65, 61);box-sizing: border-box;"><section style="text-align: justify;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">当然，除了商业贷款利率不断下调，公积金贷款下调，首套最低2.6%。</span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">中国人民银行决定，自2022年10月1日起，下调首套个人住房公积金贷款利率0.15个百分点，5年以下（含5年）和5年以上利率分别为2.6%和3.1%，第二套个人住房公积金贷款利率政策保持不变，即5年以下（含5年）和5年以上分别不低于3.025%和3.575%。</span></section><section style="margin-right: 16px;margin-left: 16px;outline: 0px;max-width: 100%;box-sizing: border-box;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 2em;text-align: center;visibility: visible;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;color: rgb(123, 12, 0);font-size: 15px;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><strong style="outline: 0px;max-width: 100%;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box;font-family: PingFangSC-light;letter-spacing: 2px;visibility: visible;overflow-wrap: break-word !important;">泸州公积金贷款利率</span></strong></span></section><p style="margin-bottom: 0em;outline: 0px;max-width: 100%;color: rgb(34, 34, 34);font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;visibility: visible;box-sizing: border-box !important;overflow-wrap: break-word !important;"></p><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">根据以上通知，2022年10月1日起（以借据放款日期为准）发放的个人住房公积金贷款，按调整后的新利率执行。2022年10月1日前已发放的个人住房公积金贷款，按原合同利率执行；自2023年1月1日起，执行新的贷款利率和罚息利率。</span></section></section><section style="line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: bottom;width: auto;align-self: flex-end;flex: 0 0 auto;border-style: solid;border-width: 1px;border-color: rgb(207, 65, 61);min-width: 5%;max-width: 100%;height: auto;padding: 11px;box-sizing: border-box;"><section style="font-size: 20px;text-align: justify;box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal;box-sizing: border-box;"><span style="letter-spacing: 2px;"><strong style="box-sizing: border-box;">居民换购住房退个税政策！</strong></span></p></section></section><section style="display: inline-block;vertical-align: bottom;width: auto;min-width: 5%;max-width: 100%;flex: 0 0 auto;height: auto;align-self: flex-end;box-sizing: border-box;"><section style="transform: perspective(0px);-webkit-transform: perspective(0px);-moz-transform: perspective(0px);-o-transform: perspective(0px);transform-style: flat;box-sizing: border-box;" powered-by="xiumi.us"><section style="transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-webkit-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-moz-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);-o-transform: translate3d(-8px, 0px, 0px) rotateX(180deg);box-sizing: border-box;"><section style="display: inline-block;width: 18px;height: 18px;vertical-align: top;overflow: hidden;background-color: rgb(207, 65, 61);box-sizing: border-box;"><section style="text-align: justify;box-sizing: border-box;" powered-by="xiumi.us"></section></section></section></section></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">财政部日前也发布支持居民换购住房有关个人所得税政策的公告：</span></section><section style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">自2022年10月1日至2023年12月31日，对出售自有住房并在现住房出售后1年内，在市场重新购买住房的纳税人，对其出售现住房已缴纳的个人所得税予以退税优惠。</span></section><p style="white-space: normal;box-sizing: border-box;line-height: 2em;margin-bottom: 24px;margin-left: 16px;margin-right: 16px;"><span style="color: rgb(0, 0, 0);font-size: 14px;font-family: PingFangSC-light;box-sizing: border-box;letter-spacing: 2px;">如今在泸州，商贷、公积金贷款利率齐齐下降，极大的利好了泸州买房人的购房需求，减少置业成本。</span><span style="color: rgb(0, 0, 0);font-family: PingFangSC-light;font-size: 14px;letter-spacing: 2px;">那么，这个银十，你会买房吗？</span></p><p style="white-space: normal; box-sizing: border-box; line-height: 2em; margin-bottom: 24px; margin-left: 16px; margin-right: 16px; text-align: right;"><span style="color: rgb(0, 0, 0); font-family: Optima-Regular, PingFangTC-light; font-size: 12px; letter-spacing: 2px; text-align: right; background-color: rgb(255, 255, 255);">（来源：泸州购房帮<span style="font-family: Optima-Regular, PingFangTC-light; font-size: 12px; letter-spacing: 2px; text-align: right; background-color: rgb(255, 255, 255);">）</span></span></p><section style="margin: 10px 16px;outline: 0px;max-width: 100%;overflow-wrap: break-word;font-size: 16px;white-space: normal;color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);line-height: 1.75em;letter-spacing: 0.54px;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;visibility: visible;box-sizing: border-box !important;"></section><section style="margin-right: 16px;margin-bottom: 5px;margin-left: 16px;outline: 0px;max-width: 100%;overflow-wrap: break-word;font-size: 16px;text-indent: 0em;white-space: normal;color: rgb(0, 0, 0);background-color: rgb(255, 255, 255);text-align: left;line-height: 1.75em;letter-spacing: 0.54px;font-family: Optima-Regular, PingFangTC-light;min-height: 1em;visibility: visible;box-sizing: border-box !important;"><span style="outline: 0px; max-width: 100%; overflow-wrap: break-word; letter-spacing: 2px; font-size: 12px; visibility: visible; color: rgb(127, 127, 127); box-sizing: border-box !important;"><span data-raw-text="免" data-textnode-index-1658825892941="43" data-index-1658825892941="1195" style="letter-spacing: 2px; font-size: 12px; outline: 0px; max-width: 100%; visibility: visible;">免责声明：文中部分资料及图片源自网络，文中所示数据及观点分析不构成市场交易和投资建议，亦不会</span><span data-raw-text="承" data-textnode-index-1658825892941="43" 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