深圳近20家银行官宣：不再区分首套二套房贷利率

21世纪经济报道2025-09-13

记者丨曹媛编辑丨孙超逸自9月5日深圳房地产新政出台后，近日深圳各家银行公布具体执行细则。9月12日，记者注意到多家银行陆续发布公告表示：一是即日起，依据最新政策，将不再区分首套住房和二套住房；二是多家银行表示，受新政影响，目前部分存量二套商业房贷也已触发存量房贷利率的常态化调整机制，客户9月12日起可提交申请调整。截至发稿前，记者梳理有近20家银行发布了公告，包括工商银行深圳分行、中国农业银行深圳...

网页链接

免责声明：本文观点仅代表作者个人观点，不构成本平台的投资建议，本平台不对文章信息准确性、完整性和及时性做出任何保证，亦不对因使用或信赖文章信息引发的任何损失承担责任。

精彩评论

我们需要你的真知灼见来填补这片空白

发表看法

{"i18n":{"language":"zh_CN"},"isChannel":false,"data":{"share":"https://www.laohu8.com/m/news/2567878184?lang=zh_CN&edition=full","thumbnail":"","is_english":false,"pubTime":"2025-09-13 15:52","share_image_url":"https://static.laohu8.com/9a95c1376e76363c1401fee7d3717173","id":"2567878184","market":"hk","top_or_hot":-1,"title":"深圳近20家银行官宣：不再区分首套二套房贷利率","media":"21世纪经济报道","content":"<div>\n<p>记者丨曹媛编辑丨孙超逸自9月5日深圳房地产新政出台后，近日深圳各家银行公布具体执行细则。9月12日，记者注意到多家银行陆续发布公告表示：一是即日起，依据最新政策，将不再区分首套住房和二套住房；二是多家银行表示，受新政影响，目前部分存量二套商业房贷也已触发存量房贷利率的常态化调整机制，客户9月12日起可提交申请调整。截至发稿前，记者梳理有近20家银行发布了公告，包括工商银行深圳分行、中国农业银行深圳...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250913155400978f1623&s=b\">网页链接</a>\n\n</div>\n","source":"tencent","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>深圳近20家银行官宣：不再区分首套二套房贷利率</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n深圳近20家银行官宣：不再区分首套二套房贷利率\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-09-13 15:52 北京时间&nbsp;&nbsp;&nbsp;<a href=http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250913155400978f1623&s=b><strong>21世纪经济报道</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>记者丨曹媛编辑丨孙超逸自9月5日深圳房地产新政出台后，近日深圳各家银行公布具体执行细则。9月12日，记者注意到多家银行陆续发布公告表示：一是即日起，依据最新政策，将不再区分首套住房和二套住房；二是多家银行表示，受新政影响，目前部分存量二套商业房贷也已触发存量房贷利率的常态化调整机制，客户9月12日起可提交申请调整。截至发稿前，记者梳理有近20家银行发布了公告，包括工商银行深圳分行、中国农业银行深圳...</p>\n\n<a href=\"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250913155400978f1623&s=b\">网页链接</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"SG9999007991.SGD","symbol_name":"Schroder Asian Income A Dis SGD","start_time":0,"source_url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250913155400978f1623&s=b","article_id":"2567878184","we_media_id":null,"thumbnails":[],"rights":{"source":"tencent","url":"http://gu.qq.com/resources/shy/news/detail-v2/index.html#/?id=nesSN20250913155400978f1623&s=b","rn_cache_url":null,"customStyle":"body{padding-top:10px;}#news_title{font-weight:bold;#titleStyle#;}#news_description span{font-size:12px;#descriptionStyle#;}.footer-note{#statement#}","selectors":".mod-LoadTzbdNews, body","filters":".relate-stock, .hot-list, .recom-box, .wx-sou","directOrigin":true},"url":"https://stock-news.laohu8.com/highlight/detail?id=2567878184","pubTimestamp":1757749941,"columns":[],"sourceInfo":{"source_id":"tencent","name":"腾讯"},"weMediaInfo":null,"summary":"深圳首套、二套取消利率差异：二套房100万贷款，30年少还8万具体来看此次深圳银行公布的具体执行细则，一是即日起，依据最新政策，将不再区分首套住房和二套住房。根据此次新政，深圳首套、二套不再有利率差异，深圳的二套房贷新发利率较之前降低40个基点。存量二套商业房贷触发存量房贷利率的常态化调整机制此外，根据深圳各银行公告，部分第二套商业性个人住房贷款已触发存量房贷利率常态化调整。","collect":0,"end_time":0,"defaultTopTitle":"qq.com","property":[],"viewcount":null,"language":"zh","relate_stocks":{"SG9999007991.SGD":"Schroder Asian Income A Dis SGD","LU2399975544.HKD":"ALLIANZ ALL CHINA EQUITY \"AT\" (HKD) ACC","LU2213484517.USD":"FRANKLIN TEMPLETON CHINA A-SHARES \"A\" (USD) ACC","LU0762540952.USD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED INCOME \"AC\" (USD) ACC","LU0293314216.USD":"ALLIANZ GEM EQUITY HIGH DIVIDEND \"A\" (USD) ACC","IE00BGHQDM52.EUR":"GUINNESS ASIAN EQUITY INCOME \"C\" (EUR) ACC","IE0032431581.USD":"PINEBRIDGE GREATER CHINA EQUITY \"A\" (USD) ACC","LU0868486357.SGD":"JPMorgan Funds - Emerging Markets Opportunities A (acc) SGD-H","LU0264606111.USD":"Janus Henderson Horizon Asian Dividend Income A2 USD","LU0348827113.USD":"ALLIANZ RCM CHINA \"AT\" ACC","LU0633140560.USD":"AB EMERGING MARKET MULTI ASSET PORTFOLIO \"A\" (USD) ACC","LU1880383366.USD":"东方汇理中国股票基金 A2 (C)","LU1044874839.SGD":"THREADNEEDLE (LUX) ASIAN CONTRARIAN EQUITY \"AGH\" (SGDHDG) ACC","03698":"徽商银行","LU0314109678.HKD":"MANULIFE GF DRAGON GROWTH \"AA\" (HKD) INC","LU0348825331.USD":"ALLIANZ CHINA EQUITY \"A\" (USD) INC","SG9999002828.SGD":"Eastspring Investments Unit Trusts - Dragon Peacock A SGD","LU0359202008.SGD":"Blackrock China Fund A2 SGD-H","LU0516422366.SGD":"Fullerton Lux Funds - Asia Focus Equities A Acc SGD","LU0588545730.USD":"EASTSPRING INVESTMENTS ASIAN EQUITY INCOME \"ADM\" (USD) INC","LU0370786039.SGD":"Fidelity Greater China A-SGD","SG9999002463.SGD":"LionGlobal China Growth SGD","LU1770036033.HKD":"NINETY ONE GSF ASIAN EQUITY \"A\" (HKD) ACC","LU1720050803.USD":"安联全方位中国股票基金","LU0683595622.HKD":"AB SICAV I-EM.MKTS MUL.ASS.PTF(AD)","LU1880383440.USD":"AMUNDI FUNDS CHINA EQUITY \"A2\" (USD) INC","LU0096374516.USD":"CT (LUX) I ASIA EQUITY INCOME \"DU\" (USD) ACC","LU1497733557.USD":"EASTSPRING INV ASIAN LOW VOLATILITY EQUITY FUND \"A\" (USD) INC A","HK0000306701.USD":"TAIKANG KAITAI CHINA NEW OPPORTUNITIES FUND \"A\" (USD) INC","LU0061477393.USD":"CT (LUX) I ASIA EQUITY INCOME \"AU\" (USD) ACC","LU0149721374.USD":"HSBC GIF HONG KONG EQUITY \"AD\" INC","LU0588545490.SGD":"Eastspring Investments - Asian Equity Income AS SGD","LU0052750758.USD":"富兰克林中国基金A Acc","LU0320764599.SGD":"FTIF - Templeton China A Acc SGD","LU0831093199.SGD":"HSBC GIF MANAGED SOLUTIONS ASIA FOCUSED INCOME \"AM3\" (SGDHDG) INC","00939":"建设银行","SG9999014674.SGD":"Nikko AM All China Equity A SGD","03143":"华夏香港银行股","LU0431992006.USD":"摩根大通新兴市场机会A（acc）","LU0871576103.HKD":"HSBC GIF CHINESE EQUITY \"AC\" (HKD) ACC","LU1794554557.SGD":"Allianz All China Equity AT Acc H2-SGD","LU1366334651.USD":"ALLSPRING EMERGING MARKETS EQUITY INCOME \"I\" (USD) INC","LU0708995583.HKD":"TEMPLETON CHINA \"A\" (HKD) ACC","SG9999013353.USD":"SCHRODER ASIAN INCOME FUND\"A\" (USDHDG) INC","LU1568876251.USD":"ALLIANZ CHINA MULTI INCOME PLUS \"AMG\" (USD) INC","LU2039709279.SGD":"MANULIFE GF DRAGON GROWTH \"AA\" (SGDHDG) INC","LU0499858438.USD":"NINETY ONE GSF ASIA PACIFIC EQUITY OPPORTUNITIES \"A\" (USD) INC","09668":"渤海银行","IE00BVYPNQ40.USD":"GUINNESS ASIAN EQUITY INCOME \"C\" (USD) ACC","LU1813983027.USD":"MANULIFE GF DRAGON GROWTH \"AA\" (USD) INC","LU0211977185.USD":"EASTSPRING INVESTMENTS GREATER CHINA EQUITY \"A\" ACC","LU0572940350.SGD":"Janus Henderson Horizon Asian Dividend Income A3 SGD"},"translate_title":"Nearly 20 banks in Shenzhen officially announced that they will no longer distinguish between first and second home loan interest rates","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"03698":0.9,"09668":0.9,"03143":0.6,"00939":0.9},"content_text":"记者丨曹媛编辑丨孙超逸自9月5日深圳房地产新政出台后，近日深圳各家银行公布具体执行细则。9月12日，记者注意到多家银行陆续发布公告表示：一是即日起，依据最新政策，将不再区分首套住房和二套住房；二是多家银行表示，受新政影响，目前部分存量二套商业房贷也已触发存量房贷利率的常态化调整机制，客户9月12日起可提交申请调整。截至发稿前，记者梳理有近20家银行发布了公告，包括工商银行深圳分行、中国农业银行深圳分行、建设银行深圳分行、浦发银行深圳分行、兴业银行深圳分行、平安银行深圳分行、上海银行深圳分行、江苏银行深圳分行、光大银行深圳分行、华夏银行深圳分行、恒丰银行深圳分行、渤海银行深圳分行、广发银行深圳分行、华侨银行深圳分行、徽商银行深圳分行、珠海华润银行深圳分行、深圳农商行等。上述银行发布公告的政策背景是，9月5日深夜，深圳市住房和建设局、中国人民银行深圳市分行联合印发《关于进一步优化调整本市房地产政策措施的通知》（简称《通知》），自9月6日起，各银行业金融机构根据深圳市市场利率定价自律机制要求和本机构经营状况、客户风险状况等因素，在利率定价机制安排方面不再区分首套住房和二套住房，合理确定每笔商业性个人住房贷款的具体利率水平。深圳首套、二套取消利率差异：二套房100万贷款，30年少还8万具体来看此次深圳银行公布的具体执行细则，一是即日起，依据最新政策，将不再区分首套住房和二套住房。在9月5日深圳出台楼市新政前，深圳首套房和二套房的利率定价公式分别为LPR-45BP和LPR-5BP。根据此次新政，深圳首套、二套不再有利率差异，深圳的二套房贷新发利率较之前降低40个基点。据此简单计算，按照100万贷款本金、30年期等额本息的方式计算，房贷总还款成本将减少近8万元、月供额将减少约220元。“影响不算大，但对于增量的贷款金额较大的改善型客户，月供负担下降的效果还是比较明显的，特别是属于门槛上的需求，会加速其入市的节奏。”广东省城乡规划院住房政策研究中心首席研究员李宇嘉表示。他认为，目前制约改善的最大阻碍，就是现在的置换客户，往往需要“卖旧买新”来实现置换，但客户手上的二手房卖不掉，或只能以很低的价格卖掉，导致置换的周期拉长，卖旧后，还需要筹集一大笔资金付首付，月供负担也不小。因此，稳定二手房价格，加速循环才是当前稳楼市和推动改善型需求是释放的关键。存量二套商业房贷触发存量房贷利率的常态化调整机制此外，根据深圳各银行公告，部分第二套商业性个人住房贷款已触发存量房贷利率常态化调整。具体调整细则是：调整规则存量房贷利率加点值高于上季度全国新发放房贷利率平均加点值加30BP以上的，可申请调整加点值，重新约定的加点值不低于上季度全国新发放房贷利率平均加点值加30BP。具体加点值根据市场供求、客户资信情况、贷款担保变化等因素确定。根据各银行公告，具体计算规则为：全国新发放房贷利率平均加点值=中国人民银行最新公布的上季度全国新发放房贷平均利率-该利率对应季度内各月5年期以上LPR的算术平均值。在此之前，2024年，中国人民银行公告〔2024〕第11号提出，存量房贷利率与全国新发放房贷利率偏离达到一定幅度时，借款人可与银行自主协商、动态调整存量房贷利率。李宇嘉分析称，偏离幅度的设定是调整规则的关键内容。偏离幅度如果设定过小，可能造成频繁重置合同，超出银行业务承受能力，借款人也难以及时享受到优惠。为兼顾合理让利与可持续性经营，商业银行经过测算，将该偏离幅度约定为30BP。存量房贷利率加点值高于上季度全国新发放房贷利率平均加点值加30BP的，可申请调整加点值。在9月5日深圳出台楼市新政后，首套、二套不再有利率差异。因此，部分存量二套商业房贷也已触发存量房贷利率的常态化调整机制。同时，经过多次下调后，存款利率大幅度下调，三年期和五年期定存利率分别降至1.25%和1.30%，加上同业拆借、公开市场操作利率下调，也具备了银行调整利率的基础。与此同时，李宇嘉也认为银行面临着严重的“资产荒”，按揭是优质的资产，也推动银行通过降低利率抢客户、留住客户。中国人民银行信贷收支数据显示，今年7月份，居民境内人民币存款减少1.11万亿元，同比多减7800亿元。居民购房积极性下降，新增按揭规模同比持续下降，存量按揭也因为提前还贷而减少。因此，银行也有降低利率、留住客户，甚至抢占其他行客户的内在激励。各银行在公告中也表示，借款人可以登录各银行手机银行，通过“房贷利率调整”相关功能，查询是否符合协商变更加点值条件。符合条件的借款人，可按系统提示自助办理。无法线上办理的可以拨打各银行客服电话咨询，也可以直接联系贷款经办机构。SFC出品丨21财经客户端 21世纪经济报道编辑丨金珊","kind":"news","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"isVideo":false,"video":null,"symbols":[],"gpt_button":1,"need_auth":false,"need_login_tip":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"tenantId":"TBCN","deviceId":"web-server-community-laohu8-v3","version":"4.42.3","shortVersion":"4.42.3","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2567878184","isCrawlerRequest":true}