央行：支持和鼓勵商業銀行與借款人自主協商變更合同約定，或是新發放貸款置換存量貸款

華爾街見聞
2023.07.14 03:17
人民銀行貨幣政策司司長鄒瀾表示，儘管貸款市場報價利率下行了 0.45 個百分點，但因為合同約定的加點幅度在合同期限內是固定不變的，前些年發放的存量房貸利率仍然處在相對較高的水平上，這與提前還款大幅增加有比較大的關係。提前還款客觀上對商業銀行的收益也有一定的影響。按照市場化、法治化原則，我們支持和鼓勵商業銀行與借款人自主協商變更合同約定，或者是新發放貸款置換原來的存量貸款。（中國網）
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