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央行再度降息 哈尔滨买楼能省多少?

房天下房天下  2015-08-27 06:30

[摘要] 央行降息以后公积金贷款利率有原来的3.5%下调至3.25%，对于很多购房者来说利好消息。那哈尔滨的楼盘，在降息后使用公积金贷款买房又该如何计算呢？以等额本息贷款30年计算，我们看看哈尔滨以下热门楼盘能为购房者省多少钱？

8月25日，央行发布了降息降准的利好消息。央行宣布，自明2015年8月26日起，下调一年期贷款基准利率下调0.25个百分点至4.6%;一年期存款基准利率下调0.25个百分点至1.75%；其他各档次贷款及存款基准利率、个人住房公积金存贷款利率相应调整。同时，放开一年期以上（不含一年期）定期存款的利率浮动上限，活期存款以及一年期以下定期存款的利率浮动上限不变。

央行降息以后公积金贷款利率由原来的3.5%下调至3.25%，对于很多购房者来说利好消息。那哈尔滨的楼盘，在降息后使用公积金贷款买房又该如何计算呢？以等额本息贷款30年计算，我们看看哈尔滨以下热门楼盘能为购房者省多少钱？

福顺尚景         均价：7800 元/平方米

福顺尚景位于道里区繁华地段,临近埃德蒙顿路，是道里区地段楼盘，小区三面环湖，周边景色宜人；小区对面既哈尔滨道里区人民医院新址（已经投入使用），周边生活十分便利。

以3号楼1单元301室，使用面积77平的南北通透，两室一厅户型为例，参考售价为80.7万元。

全款：80.7万           30%首付款为：24.21万            贷款额度为56.49万

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海富绣园          均价：6700 元/平方米

群力新区刚需楼盘，是一个低密宜居社区。周边交通方便，周围各种小商超林立，完全满足生活所需。海富绣园踞守群力哈西两大新区，是超值。

以F两室两厅一卫，参考使用面积约为57.42㎡，12层房源为例，参考售价约为59.544万元。

全款：59.544万         30%首付款为：17.864万             贷款额度为41.68万

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金瑞林城           均价：6700 元/平方米

项目位于香坊区通乡街与进乡街交汇处，周边立体交通网络纵横，项目临近地铁3号线；周边生活十分便捷，零售巨头世界500强“大润发超市”强势进驻；小区园林在香坊更是屈指可数。

以使用面积49.77平米，东西向，一室明厅带花园的户型为例，折后参考售价48.9万元。

全款：48.9万             30%首付款为：14.67万          贷款额度为34.23万

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汇龙北纬45°       均价：7500 元/平方米

汇龙·北纬45°是继巴黎第五区、柒零捌零·城仕公馆之后，汇龙地产立基哈西的又一全新品质力作。小区地理位置和环境就不用说了，隶属于哈西大商圈，逛街、生活都十分方便；学校归属于哈西继红小学第二学区。

以使用面积60平米loft为例，参考价格52万。

全款：52万       0%首付款为：15.6万        贷款额度为36.4万

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玫瑰湾二期•珑岸       均价：7500 元/平方米

玫瑰湾二期·珑岸项目位于群力第六大道与丽江路交汇处,独拥雨阳公园，属于绿色宜居的公园地产，周边交通方便，是注重生活品质的购房者的不错选择。

以建筑面积110平房源使用面积74平房源，三室室两厅一卫，朝南向，15层左右房源为例，参考售价约为70万左右。

全款：70万            30%首付款为：21万         贷款额度为49万

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RDER-: windowtext;HEIGHT: 27pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 54pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" height="36" rowspan="2" width="72">玫瑰湾珑岸 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 41pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="55">70RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 39pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="52">49RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 45pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="60">降息后RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 69pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="92">277703.95RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 59pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="78">24410.88RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 77pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="102">2132.51RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 39pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="52">67.81
RDER-: windowtext;HEIGHT: 13.5pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 45pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" height="18" width="60">降息前RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 69pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="92">302114.83RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 77pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="102">2200.32

纳帕英郡          均价：8800元/平方米

纳帕英郡位于复旦路与哈尔滨大街的交汇处，园林打造堪称经典，是哈西首屈一指的园林景观，对口小学为哈西继红小学。对于那些对于生活便捷和生活品质有超高要求的中高端购房者来说，舒适。

以5号楼楼王非毛坯户型，使用面积113平米，四室两厅户型为例，参考售价200万左右。

全款：200万           30%首付款为：60万              贷款额度为140万

RDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="563" border="0">
RDER-: windowtext 0.5pt solid;HEIGHT: 27pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 54pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" height="36" width="72">楼盘名称RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 41pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="55">总房款(万)RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 39pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="52">贷款金额(万)RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 45pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="60">利率RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 69pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="92">总利息(万)RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 59pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="78">总差额(万)RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 77pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="102">月还款（元）RDER-: windowtext 0.5pt solid;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 39pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="52">月差额（元）
RDER-: windowtext;HEIGHT: 27pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 54pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" height="36" rowspan="2" width="72">纳帕英郡 RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 41pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="55">200RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 39pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="52">140RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 45pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="60">降息后RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 69pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="92">793439.85RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 59pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="78">69745.38RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 77pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="102">6092.89RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 39pt;BORDER-BOTTOM: black 0.5pt solid;BORDER-LEFT: windowtext 0.5pt solid;BACKGROUND-COLOR: transparent" rowspan="2" width="52">193.7
RDER-: windowtext;HEIGHT: 13.5pt;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 45pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" height="18" width="60">降息前RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 69pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="92">863185.23RDER-: windowtext;BORDER-RIGHT: windowtext 0.5pt solid;WIDTH: 77pt;BORDER-BOTTOM: windowtext 0.5pt solid;BORDER-LEFT: windowtext;BACKGROUND-COLOR: transparent" width="102">6286.63

你不知道的房贷真相 欠得越多越久赚得越多

房贷提前还款怎么办?各大银行违约金惊呆小伙伴!

郭毅：今年年底或将再次降息降准

谢逸枫：降息降准来得晚 三、四线城市房价因此趋稳

央行降息降准被指利好楼市 房贷成本已历史 

标签：央行降息8月26日降息降息后公积金

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