一图梳理全国首套房贷利率政策下限及北上广深等不一致情况

【一图梳理全国首套房贷利率政策下限及北上广深等不一致情况】今日两部门联合发布新政，2023年9月25日起，存量首套住房商业性个人住房贷款的借款人可向金融机构提出申请，由金融机构新发放贷款置换存量首套住房商业性个人住房贷款。新发放贷款的利率水平由金融机构与借款人自主协商确定，但在贷款市场报价利率(LPR)上的加点幅度，不得低于原贷款发放时所在城市首套住房商业性个人住房贷款利率政策下限。根据梳理，全国首套房贷利率政策下限为：2019年10月至2022年5月为LPR，2022年5月至今为LPR-20个基点。下表为初步统计的与全国首套房贷利率政策下限不一致的情况（不含按首套房贷利率政策动态调整机制下调或取消下限的情况），具体以人民银行各分支行公布的数据为准。","multimedia":{"img_url":["https://n.sinaimg.cn/zhibo/748/w825h723/20230831/c773-677aca76264b711cdba44537c1e47871.jpg"]},"commentid":"live:finance-152-3226997:0","compere_id":0,"creator":"mingliang10@staff.sina.com.cn","mender":"mingliang10@staff.sina.com.cn","create_time":"2023-08-31 21:11:58","update_time":"2023-08-31 21:12:57","is_need_check":"0","check_time":"1970-01-01 08:00:01","check_status":"1","check_user":"","is_delete":0,"top_value":0,"is_focus":0,"source_content_id":"0","anchor_image_url":"","anchor":"直播员","ext":"{"stocks":[{"market":"fund","symbol":"159940","key":"u91d1u878d"},{"market":"fund","symbol":"161121","key":"u94f6u884c"},{"market":"fund","symbol":"515290","key":"u94f6u884c"}],"needPush":false,"needAIPush":false,"needCMSLink":true,"needCalender":false,"needProvince":"0","docurl":"https:\/\/finance.sina.com.cn\/7x24\/2023-08-31\/doc-imzkcazv9424558.shtml","docid":"mzkcazv9424558"}","old_live_cid":"0","tab":"","tag":[{"id":"1","name":"宏观"},{"id":"9","name":"焦点"}],"like_nums":0,"comment_list":{"list":[],"total":0,"thread_show":0,"qreply":0,"qreply_show":0,"show":0},"docurl":"https://finance.sina.cn/7x24/2023-08-31/detail-imzkcazv9424558.d.html","rich_text_nick_to_url":[],"rich_text_nick_to_routeUri":[],"compere_info":""},{"id":3226996,"zhibo_id":152,"type":0,"rich_text":"美元指数DXY日内涨幅达0.50%，现报103.64。