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日照市2017 新年晚会亮相港城

2019-05-21 08:37 来源:宜宾新闻网

  日照市2017 新年晚会亮相港城

  "Spiderman"NieXiaohufromHunanProvincecollectshoneyonthecliff.(Photo/ChinaDaily)Nieusesaknifetopeelthehoneyoffthebeehive.(Photo/ChinaDaily)XikouwaivillageandBaozili,andsincethenmorethan600b,331householdsinthetownhaveatotalof11,200clustersofAsianhoneybees,producing90,,000yuan($934).Nieusesaknifetopeelthehoneyoffthebeehive.(Photo/ChinaDaily)"Spiderman"NieXiaohufromHunanProvincecollectshoneyonthecliff.(Photo/ChinaDaily)"Spiderman"NieXiaohufromHunanProvincecollectshoneyonthecliff.(Photo/ChinaDaily)Nieexaminesthebeehivetomakesureitisintact.(Photo/ChinaDaily)Morethan100woodenboxeshangfromacliffinXikouwaivillage.(Photo/ChinaDaily)Bee-keepingandhoneyproductionisthrivingintheYanshanMountainsareaMorethan100woodenboxesabout60centimetershighand40centimeterswidehangfromacliffinXikouwaivillage,Fengjiabutown,Miyundistrict,,itisthelargestcliffbeefe,"nannies"sbeekeepingcooperatives,andtheycallthemselves"thespidermen".CombinedphotosshowaerialviewsofTuandaoinQingdao,eastChinasShandongProvince,takenrespectivelyin1996(upper)andonMay4,akenbyphoto,asoneofthefirstChinesecitiestoopenup,wasanimportantportfortheBeltandRoad,andthatpeoplecouldsensetheextensive,profoundlocalcultureandthevitalityofChinasreformandopening-up.(Xinhua/ZhangYan,LiZiheng)CombinedphotosshowaerialviewsofQingdaoPortinQingdao,eastChinasShandongProvince,takenrespectivelyin1996(upper)andonMay7,akenbyphoto,asoneofthefirstChinesecitiestoopenup,wasanimportantportfortheBeltandRoad,andthatpeoplecouldsensetheextensive,profoundlocalcultureandthevitalityofChinasreformandopening-up.(Xinhua/ZhangYan,GuoXulei)CombinedphotosshowaerialviewsofWusiSquareinQingdao,eastChinasShandongProvince,takenrespectivelyin1996(upper)andonApril16,akenbyphoto,asoneofthefirstChinesecitiestoopenup,wasanimportantportfortheBeltandRoad,andthatpeoplecouldsensetheextensive,profoundlocalcultureandthevitalityofChinasreformandopening-up.(Xinhua/ZhangYan,GuoXulei)CombinedphotosshowaerialviewsofQingdaoSportsCenterinQingdao,eastChinasShandongProvince,takenrespectivelyin2000(upper)andonMay13,akenbyphoto,asoneofthefirstChinesecitiestoopenup,wasanimportantportfortheBeltandRoad,andthatpeoplecouldsensetheextensive,profoundlocalcultureandthevitalityofChinasreformandopening-up.(Xinhua/ZhangYan,LiZiheng)CombinedphotosshowaerialviewsofZhanqiaoPierinQingdao,eastChinasShandongProvince,takenrespectivelyin1996(upper)andonMay4,akenbyphoto,asoneofthefirstChinesecitiestoopenup,wasanimportantportfortheBeltandRoad,andthatpeoplecouldsensetheextensive,profoundlocalcultureandthevitalityofChinasreformandopening-up.(Xinhua/ZhangYan,GuoXulei)CombinedphotosshowaerialviewsofMaidaoinQingdao,eastChinasShandongProvince,takenrespectivelyin1996(upper)andonMay4,akenbyphoto,asoneofthefirstChinesecitiestoopenup,wasanimportantportfortheBeltandRoad,andthatpeoplecouldsensetheextensive,profoundlocalcultureandthevitalityofChinasreformandopening-up.(Xinhua/ZhangYan,LiZiheng)CombinedphotosshowaerialviewsofOlympicSailingCenter,whichusedtobeashipyard,inQingdao,eastChinasShandongProvince,takenrespectivelyin2000(upper)andonApril16,akenbyphoto,asoneofthefirstChinesecitiestoopenup,wasanimportantportfortheBeltandRoad,andthatpeoplecouldsensetheextensive,profoundlocalcultureandthevitalityofChinasreformandopening-up.(Xinhua/ZhangYan,GuoXulei)

FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)FirefightingauthoritiesinChangchunCity,NortheastChina’sJ,assistedbysearchdogsandadvanceddevices,testedtheirknowledgeandskillsinquakeemergencyresponsesthroughdifferentscenarios,suchasremovingbuildingdebriswithmachines.(Photo:ChinaNewsService/MaXuewen)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)SanitaryworkerLiuWenhuacollectsgarbageonacliffwhilehangingfromacableatWulingyuanscenicareainZhangjiajieCity,CentralChina’sHunanProvince,June5,,48,hasworkedatthetouristattractionfornearlyfiveyears,mainlyresponsibleforcleaninglitterleftbyirresponsiblevisitors.(Photo:ChinaNewsService/WuYongbing)

  Thislow-angleself-portraitofNASAsCuriosityMarsrovershowsthevehicleatthesitefromwhichitreacheddowntodrillintoarocktargetcalled"Buckskin"onlowerMountSharp.(Photo/Agencies)NASA’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”Thisself-portraitofNASAsCuriosityMarsroverobtainedFebruary4,2018showsthevehicleonVeraRubinRidge,whichitsbeeninvestigatingforthepastseveralmonths,directlybehindtheroveristhestartofaclaywherenorthisontheleftandwestisontheright,withGaleCratersrimonthehorizonofbothedges.-’sCuriosityroverhasfoundnewevidencepreservedinrocksonMarsthatsuggeststheplanetcouldhavesupportedancientlife,aswellasnewevidenceintheMart,thesefindingsareagoodsignforfuturemissionsexploringtheplanet’“tough”organicmoleculesinthree-billion-year-oldsedimentaryrocksnearthesurface,aswellasseasonalvariationsinthelevelsofm,andalsomayincludeoxygen,,organicmoleculesalsocanbecreatedbynon-biologicalprocessesandarenotnecessarilyindicatorsoflife.“Withthesenewfindings,Marsistellingustostaythecourseandkeepsearchingforevidenceoflife,”saidThomasZurbuchen,associateadministratorfortheScienceMissionDirectorateatNASAHeadquarters,inWashington.“I’mconfidentthatourongoingandplannedmissionswillunlockevenmorebreathtakingdiscoveriesontheRedPlanet.”AviewofilluminatedstalactiteformationsattheJixingyanscenicareainDebaoCounty,SouthChina’sGuangxiZhuangAutonomousRegion,June3,,thesecond-highestonChina’stourismscale.(Photo:ChinaNewsService/ChenWen)AviewofilluminatedstalactiteformationsattheJixingyanscenicareainDebaoCounty,SouthChina’sGuangxiZhuangAutonomousRegion,June3,,thesecond-highestonChina’stourismscale.(Photo:ChinaNewsService/ChenWen)AviewofilluminatedstalactiteformationsattheJixingyanscenicareainDebaoCounty,SouthChina’sGuangxiZhuangAutonomousRegion,June3,,thesecond-highestonChina’stourismscale.(Photo:ChinaNewsService/ChenWen)AviewofilluminatedstalactiteformationsattheJixingyanscenicareainDebaoCounty,SouthChina’sGuangxiZhuangAutonomousRegion,June3,,thesecond-highestonChina’stourismscale.(Photo:ChinaNewsService/ChenWen)AviewofilluminatedstalactiteformationsattheJixingyanscenicareainDebaoCounty,SouthChina’sGuangxiZhuangAutonomousRegion,June3,,thesecond-highestonChina’stourismscale.(Photo:ChinaNewsService/ChenWen)AviewofilluminatedstalactiteformationsattheJixingyanscenicareainDebaoCounty,SouthChina’sGuangxiZhuangAutonomousRegion,June3,,thesecond-highestonChina’stourismscale.(Photo:ChinaNewsService/ChenWen)

  TheFengyun-2Hmeteorologicalsatellite,carriedbyaLongMarch-3Arocket,islaunchedfromtheXichangSatelliteLaunchCenterinsouthwestChinasSichuanProvince,June5,2018.(Xinhua/LiangKeyan)TheFengyun-2Hmeteorologicalsatellite,carriedbyaLongMarch-3Arocket,islaunchedfromtheXichangSatelliteLaunchCenterinsouthwestChinasSichuanProvince,June5,2018.(Xinhua/LiuKun)TheFengyun-2Hmeteorologicalsatellite,carriedbyaLongMarch-3Arocket,islaunchedfromtheXichangSatelliteLaunchCenterinsouthwestChinasSichuanProvince,June5,2018.(Xinhua/LiuKun)English-LanguageNewsWebEditorRequirements::Aminimumofabachelor’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,,:Haveathoroughunderstandingandappreciationfortheroleofjournalismandaccurate,ftWord,AdobePhotoshop,Dreamweaver,:Previousjoborinternshipexperienceinan:Responsibleforconductingnewsinterviews,andcompiling,editingandrevisingnewsmanuscriptsfromothersourcesforwebsitenews,dupdates,andproducingspecialnewspackages,aswellasothe,:’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,andaccurate,,:-Thejobisfull-time.-rewritingandcopy-editingstorieswrittenbystaffandfromothermediaresources;-writingoredittingheadlines,readingprovesandcontributingideasinstoryselectionandlayoutandsoon;-helpingproductionanddevelopmentofothereditorialmaterials,whichincludewritingstories,columns,reviewsandrecordings

AerialphototakenonJune2,2018showsthedryriverbedofSonghuaRiverinHarbin,northeastChina,thelowestforsome11years,onMay29.(Xinhua/WangKai)AerialphototakenonJune2,2018showstheexposedriverbedofSonghuaRiverinHarbin,northeastChina,thelowestforsome11years,onMay29.(Xinhua/WangKai)AerialphototakenonJune2,2018showsthedryriverbedofSonghuaRiverinHarbin,northeastChina,thelowestforsome11years,onMay29.(Xinhua/WangKai)AerialphototakenonJune2,2018showstheexposedriverbedofSonghuaRiverinHarbin,northeastChina,thelowestforsome11years,onMay29.(Xinhua/WangKai)AerialphototakenonJune2,2018showstheexposedriverbedofSonghuaRiverinHarbin,northeastChina,thelowestforsome11years,onMay29.(Xinhua/WangKai)AerialphototakenonJune2,2018showstheexposedriverbedofSonghuaRiverinHarbin,northeastChina,thelowestforsome11years,onMay29.(Xinhua/WangKai)

  Khan,aseven-year-oldmaleWhiteBengaltiger,playswithaballduringthe"FootballDay"event,organizedbyzooemployeestomarktheupcoming2018FIFAWorldCup,attheRoyevRucheyzoointheSiberiancityofKrasnoyarsk,Russia,June5,2018.(Photo/Agencies)FemalealpacaJuliette(L)andmalealpacaRomeorunnearagiantballduringthe"FootballDay"event,organizedbyzooemployeestomarktheupcoming2018FIFAWorldCup,attheRoyevRucheyzoointheSiberiancityofKrasnoyarsk,Russia,June5,2018.(Photo/Agencies)Maya,aone-year-oldfemaleraccoon,playswithaballduringthe"FootballDay"event,organizedbyzooemployeestomarktheupcoming2018FIFAWorldCup,attheRoyevRucheyzoointheSiberiancityofKrasnoyarsk,Russia,June5,2018.(Photo/Agencies)

  OntarioProvincialPoliceofficersworkatthesiteofacrashinvolvingatourbusonHighway401West,nearPrescott,Ontario,Canada,June4,,fourwithlife-threateninginjuries,herelevantCanadianauthoritiestoverifythesituation.(Photo/IC)OntarioProvincialPoliceofficersworkatthesiteofacrashinvolvingatourbusonHighway401West,nearPrescott,Ontario,Canada,June4,,fourwithlife-threateninginjuries,herelevantCanadianauthoritiestoverifythesituation.(Photo/IC)PhototakenonJune1,2018showsthelaunchceremonyfortheGuilin-HaLongCityself-drivingtourismrouteinDongxing,SouthChina’thatwillincludetheChinesecitiesFangchenggang,Qinzhou,Nanning,Laibin,LiuzhouandGuilinaswellastheVietnamesecitiesMongCaiandHaLong.(Photo:ChinaNewsService/ChenYicai)PhototakenonJune1,2018showsthelaunchceremonyfortheGuilin-HaLongCityself-drivingtourismrouteinDongxing,SouthChina’thatwillincludetheChinesecitiesFangchenggang,Qinzhou,Nanning,Laibin,LiuzhouandGuilinaswellastheVietnamesecitiesMongCaiandHaLong.(Photo:ChinaNewsService/ChenYicai)

  English-LanguageNewsWebEditorRequirements::Aminimumofabachelor’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,,:Haveathoroughunderstandingandappreciationfortheroleofjournalismandaccurate,ftWord,AdobePhotoshop,Dreamweaver,:Previousjoborinternshipexperienceinan:Responsibleforconductingnewsinterviews,andcompiling,editingandrevisingnewsmanuscriptsfromothersourcesforwebsitenews,dupdates,andproducingspecialnewspackages,aswellasothe,:’sdegreeatanaccreditedcollegeoruniversitywithamajorinjournalism,English,economics,internationalpolitics,andaccurate,,:-Thejobisfull-time.-rewritingandcopy-editingstorieswrittenbystaffandfromothermediaresources;-writingoredittingheadlines,readingprovesandcontributingideasinstoryselectionandlayoutandsoon;-helpingproductionanddevelopmentofothereditorialmaterials,whichincludewritingstories,columns,reviewsandrecordings

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  AcrestedibisfeedsnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcoupleofcrestedibistakescareoftheirnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcrestedibisfeedsnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcrestedibisfeedsnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcrestedibisfeedsnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcrestedibistakescareofnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcrestedibistakescareofnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcoupleofcrestedibistakescareoftheirnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)AcoupleofcrestedibistakescareoftheirnestlingsatTianlingVillageofYangxianCountyinHanzhongCity,northwestChinasShaanxiProvince,June2,fsevenwildcrestedibisesonMay23,1981inYangxian,,,,000squarekilometers.(Xinhua/TaoMing)

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当前位置:首页 >> 焦点新闻 >> 今年对购房者影响最大的就是它!
今年对购房者影响最大的就是它!
2019-05-21 10:40:41  作者:  来源:鬼斗  
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  •     今年房地产市场的任何风吹草动都会对购房者产生影响。五一期间,虽然没有重大楼市调控政策发布,但是,有一条却足以影响未来楼市的走向,那就是加息。   目前,央行针对楼市的“定向加息”已经拉开了序幕 ...

  今年房地产市场的任何风吹草动都会对购房者产生影响。五一期间,虽然没有重大楼市调控政策发布,但是,有一条却足以影响未来楼市的走向,那就是加息。

  目前,央行针对楼市的“定向加息”已经拉开了序幕。自5月1日起,北京部分银行的新房、二手房的首套房执行基准利率,二套房则在基准利率基础上上浮20%。


  虽然目前定向加息还没有扩大,但是对于购房者的影响还是显而易见的。尤其是,这释放了一个信号,那就是未来加息的可能性大增。与限购、限售相比,加息对于购房者的影响更大。具体来看,加息对于购房者的影响主要体现以下两个方面。

  一、购房成本

  纵观历年来的房地产市场,房贷基准利率并不是一成不变的,会随着经济走势以及房地产市场的具体情况进行调整。在基准利率的基础上,房贷利率还可以有优惠,也可能会上浮。房贷利率最低曾经打过7折,前几年85折是常态。去年,全国的房贷利率优惠开始收紧,优惠力度逐步缩小,从9折到95折,最终首套房开始执行基准利率,已经没有优惠了。而二套房则是逐步提高,由基准利率的1.1倍提升到1.2倍。


  我们来测算一下不同房贷利率下,月还款额和总利息之间的对比。以贷款100万元,时间为20年,采用等额本息还款方式来计算:

  ①如果享受贷款利率85折优惠,则月还款为6149.76元,累计支付利息475941.41元;

  ②如果按照贷款利率基准利率,则月还款为6544.44元,累计支付利息570665.72元;

  ③如果按照贷款利率上浮20%,则月还款为7095.25元,累计支付利息702861.09元。

  通过以上数据可以得出,最低和最高的月供相差945.49元,支付利息差距达到226919.68元。

  房贷越多,这个差距也就越大。目前在一二线城市买套房子,动辄几百上千万,房贷的金额也远超百万,一个月的月供就可能差几千元。


  另外,这还只是定向加息带来的影响,实施的范围并不大。如果是全面加息,波及的范围会更大。

  二、对房地产市场的影响

  说到对房地产市场的影响,就要说说为什么要加息。大家如果关注新闻,就会知道这么一个消息,那就是美国进入加息周期,全球货币开始收紧。


  了解经济学基本原理的朋友应该都知道,加息是一个国家或地区的中央银行提高利息的行为,从而使商业银行对中央银行的借贷成本提高,进而迫使市场的利息也进行增加。加息的目的主要体现在以下几个方面:

  1.减少货币供应;

  2.压抑消费;

  3.压抑通货膨胀;

  4.鼓励存款;

  5.减缓市场投机;

  6.提升本国货币汇率

  .……

  上述几个目的中,减少货币供应、压抑消费、减缓市场投机都会对房地产市场产生影响。加息会导致购房者买房的意愿降低,而这将促使房地产市场进行调整,未来房价可能会回落,新房可能会有更大的折扣,而二手房的议价空间也会更大。

  一旦房价回落,又将反过来刺激购房者的买房行为,从而对购房者产生第二次影响。

  因此说,今年对购房者影响最大的莫过于加息,而且从长远来看,加息有助于楼市回落,长久来看对于普通购房者买房还是利大于弊的。

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