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关键词:加息起因:近两年房价涨幅持续高位,隐藏了潜在的金融风险,为抑制房价的过高走势,提醒商业银行防范金融风险,央行再举利率“杠杆”。时间:2005年3月17日聚焦:中国人民银行宣布从2005年3月17日起,调整商业银行自营性个人住房贷款政策:以5年期以上个人住房贷款为例,其年利率调至5.51%(比现行优惠利率5.31%高0.20个百分点)。此后签定的新贷款合同均按此利率执行,之前签定的贷款合同利率从2006年元月1日起执行新利率。影响力:虽然关于此举是“劫富济贫”还是“劫贫济富”的争论至今未歇,但可以肯定的是它向购房人发出一个明确的警告,即贷款买房必须考虑利率风险。
Keywords: rate hike causes: house prices continued to rise high in recent years, hiding potential financial risks, in order to curb the trend of excessive housing prices, to remind commercial banks to guard against financial risks, the central bank cited the interest rate “leverage.” Time: March 17, 2005 Highlights: The People’s Bank of China (PBOC) announced that it will adjust the self-operated personal housing loan policy of commercial banks from March 17, 2005 onwards. Taking personal housing loans of more than 5 years as an example, the annual interest rate will be adjusted to 5.51% (0.20 percentage points higher than the current prime rate of 5.31%). Since then the new loan contract signed by the implementation of this interest rate, the loan contract rate previously signed from January 1, 2006 implementation of the new interest rates. Impact: Although the controversy over whether the move is “robbing the rich and the poor” or “robbing the rich and the poor” has not stopped, it is certain that it sends a clear warning to the buyers that loans to buy a house must be considered Interest Rate Risk.