近日，中國(guó)央行宣布將下調(diào)存款準(zhǔn)備金率，并降低再貸款和再貼現(xiàn)利率。這一系列的政策舉措引起了社會(huì)各界的廣泛關(guān)注，特別是對(duì)于普通百姓而言，最為關(guān)心的莫過于此次利率調(diào)整是否會(huì)直接影響到他們手中的個(gè)人貸款。

在多方專家學(xué)者及業(yè)內(nèi)人士看來，在當(dāng)前國(guó)內(nèi)經(jīng)濟(jì)形勢(shì)不容樂觀、市場(chǎng)流動(dòng)性較緊張背景下，央行此番操作無疑旨在進(jìn)一步鼓勵(lì)金融機(jī)構(gòu)加大信貸支持力度、促進(jìn)實(shí)體經(jīng)濟(jì)發(fā)展。據(jù)悉，本輪定向降準(zhǔn)資金有望釋放約8000億元左右長(zhǎng)期資金至銀行系統(tǒng)；同時(shí)通過全面優(yōu)化貨幣政策工具框架和結(jié)構(gòu)性去杠桿等方式穩(wěn)健中性貨幣政策取向基本不變。但這也意味著未來一段時(shí)間內(nèi)商業(yè)銀行可能繼續(xù)保持謹(jǐn)慎審慎態(tài)度, 使得受益對(duì)象令外界頗感擔(dān)憂。

那么針對(duì)我國(guó)眾多居民群體而言, 此番“解鎖”式降息究竟意味著怎樣? 對(duì)已有或即將申請(qǐng)個(gè)人消費(fèi)類、購(gòu)房置業(yè)類等各種類型借款產(chǎn)品用戶又該如何應(yīng)對(duì)？

首先需要明確指出：由于目前我國(guó)LPR（Loan Prime Rate）作為新型報(bào)價(jià)品種逐漸推開并深入運(yùn)用后，“擋箭牌”的傳統(tǒng)模式正在被打破?！肮芨Q門徑”，印象之深遠(yuǎn)非同小可——原先以1年期以上LPR價(jià)格進(jìn)行固定還款周期計(jì)算法則制訂標(biāo)志著歷史落幕…… 新時(shí)代背景下更趨合理靈活與符文命題揚(yáng)棄律條導(dǎo)致月供金額相比從前隨飄搖規(guī)避情況顯然要少上好些……

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