8月LPR公布！深圳首套房贷利率为3.4%

因为就在上个月，7月22日，两个期限品种LPR报价刚刚分别下调10个基点，加之本次报价前央行主要政策利率（7天期逆回购利率）保持稳定，因此8月两个期限品种LPR报价保持不变。继7月份降息后，深圳的首套房贷利率…
8月20日，中国人民银行授权全国银行间同业拆借中心公布贷款市场报价利率（LPR）公告，其中，1年期LPR为3.35%，5年期以上LPR为3.85%，维持上期报价不变

本月LPR报价不变是早有预期。

因为就在上个月，7月22日，两个期限品种LPR报价刚刚分别下调10个基点，加之本次报价前央行主要政策利率（7天期逆回购利率）保持稳定，因此8月两个期限品种LPR报价保持不变。

但展望后市，年内LPR报价还是有小幅下调空间。东方金诚首席宏观分析师王青分析认为，综合考虑经济运行态势及物价水平，四季度央行还有可能再度下调主要政策利率，也就是7天期逆回购利率，下调幅度估计在10到20个基点，届时将引导LPR报价跟进下调。

同时他还提到，未来除政策降息引导LPR报价下调外，近期银行启动新一轮存款利率下调，增加报价行下调LPR报价的动力。未来在提高LPR报价质量过程中，也不排除政策利率保持不变，LPR报价单独下调的可能性。

不仅LPR处于历史低位，深圳的房贷利率也再创新低。

继7月份降息后，深圳的首套房贷利率最低已至3.4%，具体为：

住宅首套：LPR3.85%-45BP=3.4%

住宅二套：LPR3.8%-5BP=3.8%

公寓商贷：LPR3.85%+60BP=4.45%

公积金首套：2.85%

公积金二套：3.325%

目前全国各个城市的房贷利率也形成一个明显的梯度，即：

1、北京、上海、深圳三个领头的一线城市的首套房贷利率在3.45%；

2、广州、杭州、武汉等当前热度较高的一线、准一线城市首套房贷利率在3.1%左右；

3、南京地区部分银行、苏州地区、云南省玉溪市个别银行的房贷利率最低则进入“2”时代。

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