㈠ 杞︽姷鎶艰捶娆惧埄鎭涓鑸鏄澶氬皯
涓銆佽溅鎶垫娂璐锋惧埄鎭涓鑸鏄澶氬皯
杞︽姷鎶艰捶娆剧殑鍒╂伅鍜岃捶娆鹃噾棰濄佽捶娆惧埄鐜囦互鍙婅捶娆炬湡闄愮浉鍏筹紝璐锋惧埄鎭璁＄畻鏂规硶涓:璐锋惧埄鎭=璐锋炬湰閲戝勾鍒╃巼璐锋惧勾闄愩傚亣濡傝捶娆鹃噾棰濅负7涓囧厓锛岃捶娆惧勾闄愪负5骞达紝骞村埄鐜囦负4.75%锛屽垯璐锋惧埄鎭鏈700004.75%5=16625鍏冦傝捶娆炬満鏋勭殑璐锋惧埄鐜囬兘鏄鍦ㄥぎ琛屽叕甯冨熀鍑嗗勾鍒╃巼鍩虹涓婃诞鍔ㄦ墽琛岋紝鐩鍓嶅ぎ琛屾渶鏂板熀鍑嗗埄鐜囧備笅:1銆佺煭鏈熷晢涓氳捶娆:1骞村唴锛堝惈1骞达級锛屽勾鍒╃巼涓4.35%銆2銆佷腑闀挎湡鍟嗕笟璐锋:1骞磋嚦5骞达紙鍚5骞达級锛屽勾鍒╃巼涓4.75%;5骞翠互涓婏紝骞村埄鐜囦负4.9%銆傛苯杞︽姷鎶艰捶娆炬敞鎰忎簨椤癸細涓銆佹苯杞︽姷鎶艰捶娆炬潯浠跺熸句汉椤诲叿澶囩殑鍩烘湰鏉′欢锛1銆佸勾婊18鍛ㄥ瞾鍏锋湁瀹屽叏姘戜簨琛屼负鑳藉姏鍦ㄤ腑鍥藉冨唴鏈夊浐瀹氫綇鎵鐨勪腑鍥藉叕姘戙2銆佸叿鏈夌ǔ瀹氱殑鑱屼笟鍜岀粡娴庢敹鍏ワ紝鑳戒繚璇佸畾鏈熷伩杩樿捶娆炬湰鎭銆3銆佽兘鎻愪緵鎷呬繚銆4銆侀摱琛岃勫畾鐨勫叾浠栨潯浠躲備簩銆佹苯杞︽姷鎶艰捶娆炬墍闇璧勬枡1銆佹嫢鏈夌ǔ瀹氳亴涓氾紝鐢宠蜂汉鎷ユ湁褰撳湴鎶垫娂杞﹁締鐨勬墍鏈夋潈銆2銆佷笟鍔″紑灞曞煄甯傞暱鏈熷眳浣忓拰宸ヤ綔銆3銆佹満鍔ㄨ溅鐧昏拌瘉銆佽岄┒璇併佽喘缃闄勫姞绋庤瘉(鏈)銆佽喘杞﹀彂绁ㄣ4銆佷繚闄╁崟銆佽溅鑸圭◣銆佽繘鍙ｈ溅杈嗙浉鍏崇◣璇佹槑銆5銆佽韩浠借瘉(闈炴湰鍦版埛鍙ｅ㈡埛鎻愪緵鏈夋晥鏈熷唴鏆備綇璇佹垨灞呬綇璇併備竴銆佹姷鎶艰捶娆惧埄鐜囩殑姒傚康姹借溅鎶垫娂璐锋撅紝鏄鎸囧熸句汉浠ヨ嚜鏈夋垨绗涓夎呯殑杞﹁締(鍖呮嫭杞胯溅銆乻uv銆佽揣杞︾瓑)浣滄姷鎶硷紝鐢ㄤ簬涓浜虹患鍚堟秷璐瑰苟浠ユ寜鎻褰㈠紡杩樻剧殑璐锋惧搧绉嶃傛苯杞︽姷鎶艰捶娆惧埄鐜囷紝鏄鎸囧熸句汉鍚戝叾鎵鍊熻祫閲戞敮浠樼殑浠ｄ环锛屼篃鏄鏀炬句汉鍊熺粰鍊熸句汉鎵鑾峰緱鐨勫洖鎶ャ傛苯杞︽姷鎶艰捶娆惧埄鐜囬氬父浠ヤ竴骞存湡鍒╂伅涓庢湰閲戠殑鐧惧垎姣旇＄畻銆備簩銆佹苯杞︽姷鎶艰捶娆鹃斿緞鐩鍓嶏紝鎴戜滑涓昏佸彲浠ラ氳繃閾惰屻佷俊鎵樸佸吀褰撱佸姙鐞嗘埧浜ф姷鎶艰捶娆俱備笁銆佷笉鍚屾苯杞︽姷鎶艰捶娆鹃斿緞鐨勫埄鐜(1)銆侀摱琛岃捶娆惧熸句汉浠ユ墍璐姹借溅浣滀负鎶垫娂鎴栬川鎶肩墿鍦ㄩ摱琛屽姙鐞嗘姷鎶艰捶娆撅紝閾惰屽姙鐞嗘姷鎶艰捶娆惧繀椤诲嚭鍏锋苯杞︿拱鍗栧悎鍚屻佹苯杞︽寜鎻鍗忚銆乮姹借溅鎸夋彮璐锋惧悎鍚岀瓑銆傚勾鍒╃巼6%璧枫(2)銆佷俊鎵樿捶娆句俊鎵樻苯杞︽姷鎶艰捶娆炬槸鎸囧彈鎵樹汉鎺ュ彈濮旀墭浜虹殑濮旀墭锛屽皢濮旀墭浜哄瓨鍏ョ殑璧勯噾锛屾寜鍏(鎴栦俊鎵樿″垝涓)鎸囧畾鐨勫硅薄銆佺敤閫斻佹湡闄愩佸埄鐜囦笌閲戦濈瓑鍙戞斁璐锋撅紝铻嶈祫鏂逛互姹借溅鎶垫娂浣滀负淇℃墭璐锋剧殑鎷呬繚鏂瑰紡銆傚埄鐜囧姞璐圭敤涓鑸骞寸粡鍒╃巼鍦18%宸﹀彸銆(3)銆佸吀褰撹捶娆惧吀褰撴埧浜ф姷鎶艰捶娆炬槸鎸囧綋鎴峰皢鍏舵苯杞︽姷鎶肩粰鍏稿綋琛岋紝浜や粯涓瀹氭瘮渚嬭垂鐢ㄥ拰鍒╂伅锛屽彇寰楀綋閲戯紝骞跺湪绾﹀畾鏈熼檺鍐呮敮浠樺綋閲戝埄鎭銆佽垂鐢ㄣ佸伩杩樺綋閲戙佽祹鍥炲綋鐗╃殑琛屼负銆傚埄鎭鍔犲叾浠栧悇椤圭患鍚堣垂鐢ㄥ悎骞剁害涓烘湀鍒╃巼3%宸﹀彸銆
浜屻佹苯杞︽姷鎶艰捶娆惧埄鎭涓鑸鏄澶氬皯
杞﹁締鎶垫娂璐锋炬槸鎸囦互鍊熸句汉鎴栫涓夋柟鐨勬苯杞︽垨鑷璐姹借溅涓烘姷鎶硷紝娑堣垂璐锋惧叕鍙歌幏寰楃殑璐锋俱傝捶娆鹃噾棰濅竴鐨70%銆傚緢澶氬熸句汉閮介棶杩囷紝姹借溅鎸夋彮鍒╂伅澶氬皯锛熸暀澶у朵竴鍒嗛挓璁＄畻璐锋惧埄鎭锛佹苯杞︽姷鎶艰捶娆剧殑鍒╂伅鏄澶氬皯锛熸苯杞︽姷鎶艰捶娆剧殑鍒╃巼鑼冨洿澶ц嚧涓0锛屼絾澶у氭暟姹藉埄鐜囦负鍩虹鐨勩傞摱閽熴傚埄鎭鐨勮＄畻鍏寮:鍒╂伅=璐锋捐捶娆炬湡闄愩備竴鑸鏉ヨ达紝閾惰屼細瑕佹眰璐锋捐溅杈嗙殑杞﹂緞銆侀噷绋嬪拰杞﹁締浼拌佹眰杞﹁締浠ヨ捶娆句汉鐨勫悕涔夌櫥璁帮紝鏈夌墝鐓э紝鏃犳媴淇濄傝捶娆惧彲鐢ㄤ簬璐涔板師鏉愭枡銆佽喘涔板晢鍝佺瓑缁忚惀鐢ㄩ旀垨璐杞︺佽呬慨銆佹梾娓搞佸氳締鎶垫娂璐锋句竴鑸涓嶅厑璁哥敤浜庝拱鎴跨瓑鐢ㄩ斻備竴鑸杞﹁捶鍒╃巼鐣ラ珮浜庨摱琛屽熀鍑嗗埄鐜囥傛櫘閫氶摱琛岃溅璐峰埄鐜囦竴鑸鎸夌収閾惰屽熀鍑嗗埄鐜囦笂娴10%銆傞摱鍒╃巼涓轰竴骞达紝鍋囪惧熸句汉鍔炵悊姹借溅鎸夋彮10涓囧厓锛屼竴骞村伩杩樸傚傛灉骞村埄鐜囩瓑浜庢湰鎭锛屽垯鍒╂伅鎬婚濅负浜烘皯甯侊紝杩樻炬婚濅负浜烘皯甯侊紝姣忔湀杩樻句负浜烘皯甯併傛寜骞冲潎鏈閲戣繕娆炬硶锛屽埄鎭鎬婚濅负浜烘皯甯侊紝杩樻炬婚濅负浜烘皯甯侊紝棣栨湀杩樻8843鍏冿紝杩樻鹃噾棰濋愭湀閫掑噺涓夈2021骞磋溅杈嗘姷鎶艰捶娆炬渶楂樺埄鎭澶氬皯锛
020骞磋溅杈嗘姷鎶艰捶娆剧殑鏈楂樺埄鎭涓鑸鍦8%宸﹀彸锛屾皯闂村熻捶鐨勮瘽锛屽埄鎭浼氭瘮杈冮珮锛屽彲鑳戒細鍦15%鍒20%涔嬮棿
鍥涖佽溅杈嗘姷鎶艰捶娆,涓鑸鐨勫埄鎭鏄澶氬皯
鐩鍓嶄汉琛屽叕甯冭捶娆惧熀鍑嗗勾鍒╃巼锛0-6涓鏈堬紙鍚6涓鏈堬級锛屽勾鍒╃巼锛4.35%锛6涓鏈-1骞达紙鍚1骞达級锛屽勾鍒╃巼锛4.35%锛1-3骞达紙鍚3骞达級锛屽勾鍒╃巼锛4.75%锛3-5骞达紙鍚5骞达級锛屽勾鍒╃巼锛4.75%锛5-30骞达紙鍚30骞达級锛屽勾鍒╃巼锛4.90%锛涜捶娆惧埄鐜囬渶瑕佺粨鍚堟偍鐢宠风殑涓氬姟鍝佺嶃佷俊鐢ㄧ姸鍐点佹媴淇濇柟寮忕瓑鍥犵礌杩涜岀患鍚堢殑瀹氫环锛岄渶缁忓姙缃戠偣瀹℃壒鍚庢墠鑳界‘瀹氥
鑻ユ偍鐩鍓嶆槸鎯宠瘯绠椾竴涓嬫湀渚涘強鍒╂伅閮ㄥ垎淇℃伅浠ヤ綔鍙傝冿紝璇锋偍鎵撳紑浠ヤ笅杩炴帴锛歨ttp://www.cmbchina.com/CmbWebPubInfo/Cal_Loan_Per.aspx?chnl=dkjsq灏濊瘯浣跨敤鐩鍓嶈捶娆剧殑鍩哄噯鍒╃巼璇曠畻鏈堜緵銆傦紙鍙鏌ョ湅鏈堜緵銆佹湀渚涙湰閲戙佹湀渚涘埄鎭銆佹湰閲戜綑棰濄佸埄鎭鎬诲拰鍙婅繕娆炬婚濈瓑淇℃伅锛夈