穆迪：中国银行业调整存量房贷利率后，提前还贷有望趋于稳定

新京报2023-09-11

新京报贝壳财经讯（记者张晓翀）9月11日，国际评级机构穆迪发布行业评论指出，自9月25日起，中国银行业将开始下调存量首套住房商业性个人住房贷款利率水平。尽管此举将削弱银行的盈利能力，但提前还贷有望趋于稳定及新发放房贷的潜在增长将抵消相关影响。　　评论认为，存量房贷利率下调将令银行净息差进一步收窄，银行盈利能力将受利率下调幅度的限制，存量房贷利率调整后提前还贷有望趋于稳定，这也将减轻相关影响。　...

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