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    March 23

    加息后贷款利率增加存款利率不变 遭市民质疑

     

      央行宣布存贷款利率上调后,有市民算了一笔账,觉得自己有点不划算。


      市民李先生说,加息后,房贷从明年开始执行新的利率,即从过去的6.84%提高到了7.11%,为此,他每月要多支付银行80元左右的利息。而自己存在银行的3年期存款却还是执行原来的利率,并不能享受到加息后带来的好处。


      一家股份制银行个贷中心的高级经理告诉记者,2005年3月加息后,央行出台了系列有关调息内容的文件,确定了新的利率模式,即新的利率可以每年按月、按季或是按年调整利率。房贷客户可以自由选择。不过很多人选择按年调整利率,即如果央行调整了利率,客户的房贷在满一年后再执行新的利率。比如说你是在2006年7月份在银行办了贷款,那么就要从2007年7月份执行新的利率。贷款基准利率提高是这样执行,反之贷款利率降低也是一样。


      针对市民提出的已经存在银行的存款利率为何不能随之增加的问题,建行有关人士解释说是根据央行有关规定执行的:个人储蓄存款定期按存入时点计算,活期按支取时点计算。如果是减息时也是按照同样的原则。

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