中国政府采取行动，旨在降低涉及约5.3万亿元人民币（约7690亿美元）的家庭按揭贷款成本，此举是其稳定面临困境的房地产市场的最新努力之一。根据周日晚上发布的公告，从11月1日起，房主将有机会与现有的贷款机构重新协商条款。
对于那些已选择固定利率房贷的家庭，他们还可以基于最新的贷款基准利率，重新协商并获得新的按揭贷款条件，这一基准利率为房屋贷款提供了参照标准。此政策属于本周早些时候推出的一系列广泛举措的一部分，反映出中国政府解决持续时间长、影响第二大规模经济体增长的房地产市场危机的决心。
此举预计平均降低个贷者利率50个基点，并由此减少每年利息支出约1500亿元人民币（约210亿美元）。此前在9月，中国央行副行长指出这一措施将惠及个体借款者。通常情况下，银行会在年初根据最新的贷款基础利率对现有贷款进行重定价，该利率已下调35个基点。
去年的房贷政策曾平均降低贷款利率73个基点，使得借款者的年度利息支出减少了约1700亿元人民币（260亿美元）。中国央行在一份于7月公布的报告中阐述了这一点。
新闻来源：www.bloomberg.com
原文地址：China Moves to Cut Mortgage Rates to Revive Housing Market
新闻日期：2024-09-29
原文摘要：
China took steps to lower borrowing costs on as much as $5.3 trillion in mortgages for millions of families in its latest attempt to shore up the troubled property sector. Homeowners will be able to renegotiate terms with their current lenders effective Nov. 1, the said in a late Sunday. Those who chose fixed mortgage rates can also renegotiate new loans based on the latest loan prime rate, a reference rate for mortgage loans, according to the statement. The plan, as part of a broad earlier this week, underscores Beijing’s determination to end the prolonged housing rout that’s dragged on growth in the world’s second-largest economy. The measures will slash outstanding rates for individual borrowers by an average of 50 basis points, and reduce their annual interest expenses by about 150 billion yuan ($21 billion), PBOC Governor said earlier in September. Banks usually reprice existing loans at the beginning of the year based on the , which has been lowered by 35 basis points. Last year’s mortgage reduced outstanding rates by an average of 73 basis points and lowered borrowers’ annual interest expenses by about 170 billion yuan, the PBOC said in a July report.
