降至2.7%!银行房贷利率再现低位

格隆汇
Aug 05
据财经杂志,平静一年有余的个人贷款利率市场,近期再度泛起波澜。注意到,在房贷方面,日前,有银行针对准备购买首套房、置换的客户,声称可提供低至2.7%的贷款利率,并承诺对优质客户开辟专属快速办理通道。 与此同时,一家全国性股份制银行也于近日称,该行一款针对个人的信用贷款产品利率也在3%以下,随借随还。将时间拉长,2024年下半年以及2025年上半年,房贷利率、个人消费贷款利率都曾出现过低于3%的现象,但分别于2025年3月、5月上调至3%以上。 业内人士判断,未来房贷及个贷利率大概率呈现“小步慢降、阶梯式下探”的态势,短期内在2.9%-3%区间反复拉锯、个别银行阶段性突破2.8%都是可能出现的常态。

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