{"errCode":0,"errMsg":"success","timeStamp":"1777657681","data":{"trueId":"8646911284553204975","title":"回暖｜银行消费贷利率降至“3字头”，你心动吗？","author":[],"tags":[],"detail":"\u003cp\u003e\u003c/p\u003e\u003cdiv data-type=\"video_card\" videourl=\"https://img.hubpd.com/hubpd/spider_file/full/bab979678bbd45773a274043a94a5586695273be.mp4\" coverurl=\"https://vod-benshipin-xhncloud.voc.com.cn/2023/02/26/20230226184715894575.jpg\"\u003e\u003c/div\u003e\u003cp\u003e\u003c/p\u003e\u003cp\u003e三湘都市报·新湖南客户端2月26日讯（全媒体记者 潘显璇）年利率3.65%、随借随还、期限最长3年、最高可贷20万元……近段时间，长沙白领刘女士接到了多家银行的消费贷营销电话，不高的利率让她有了贷款装修新房的想法。\u003c/p\u003e\u003cp\u003e2月26日，记者走访了长沙地区的多家银行发现，随着消费需求复苏，消费贷的需求也多了起来，银行为了吸引客户，贷款利率较去年大幅下调，不少银行的消费贷利率都是“3字头”。\u003c/p\u003e\u003cp\u003e\u003cstrong\u003e消费贷利率普遍下调到“3字头”\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e“如果是在事业单位或者政府部门工作，有缴纳公积金，代发工资卡也是建行的话，消费贷利率只要3.65%。”2月26日，建设银行长沙一家网点的大堂经理告诉记者，即便不符合这些标准，通过手机银行APP办理该行的快贷业务，利率也是比较低的。记者随即当场测试了一下，系统显示能贷到的额度最高为20万元，利率为3.75%。\u003c/p\u003e\u003cp\u003e“我们行推出的精致贷产品，年费率只要3.96%，额度最高达45万元。”北京银行的工作人员介绍，大部分消费贷产品都是分期还款模式，但该行的这一产品可以先本后息，比如贷款10万元，只要先支付3960元的利息，一年后再归还本金即可，不用每个月分期还款。”\u003c/p\u003e\u003cp\u003e中信银行在长沙推出了的信秒贷团办优惠活动，三人成团，年利率低至3.65%，额度最高30万元，期限最长有3年。银行工作人员表示，客户可以自行邀请亲友一起办理这一消费贷产品，如果客户自己凑不齐人，也可以先报名，银行再根据已报名的人数凑团。\u003c/p\u003e\u003cp\u003e从记者走访调查的情况来看，目前长沙地区的多家商业银行，消费贷的最低年化利率在3.6%至3.9%之间，贷款额度在20至45万元之间。而在去年，银行的消费贷利率普遍超过4%，有的银行甚至超过5%。多家银行的工作人员表示，近期来咨询和办理消费贷的人不少。 \u003c/p\u003e\u003cp\u003e\u003cstrong\u003e多重因素助推消费贷利率走低\u003c/strong\u003e\u003c/p\u003e\u003cp\u003e实际上，消费贷利率降低的背后，一方面是利率市场化的大势所趋，另一方面也离不开监管政策的鼓励。\u003c/p\u003e\u003cp\u003e继去年8月提出“要发挥贷款市场报价利率指导作用，支持信贷有效需求回升，推动降低企业综合融资成本和个人消费信贷成本”后，今年1月28日召开的国常会再次强调，要组织开展丰富多样的促消费活动，促进接触型消费加快恢复，合理增加消费信贷。\u003c/p\u003e\u003cp\u003e“中央层面提出‘合理增加消费信贷’，这是对消费信贷发展的肯定，具有重要意义。”招联首席研究员董希淼说，消费信贷对于提振消费、扩大内需具有较好的促进作用；消费金融有助于改善居民消费能力，也有助于提高消费的灵活性、便利性。\u003c/p\u003e\u003cp\u003e机构普遍预计，今年消费贷有望在2022年低基数的基础上企稳回升。华泰证券银行业分析师沈娟表示，在2020年和2022年两波疫情的扰动下，消费贷增长明显承压，预计随着居民收入的提升和社会消费场景的恢复，居民消费贷款增速也有望快速回升。\u003c/p\u003e\u003cp\u003e需要注意的是，消费信贷资金是不能用于购买房产、炒股、理财、偿还其他贷款等非消费领域的。银行如果在贷后管理中发现消费贷款被违规挪用，会提前收回贷款。\u003c/p\u003e\u003cp\u003e业内人士还提醒，对于普通消费者来说，在享受小额消费贷带来便利的同时，也需要综合考虑个人财务杠杆的可持续性，避免非理性过度负债。\u003c/p\u003e","createdAt":1677416295,"updatedAt":1677416307,"source":0,"reprintedUrl":"https://m.voc.com.cn/xhn/news/202302/16045280.html","type":0,"vShowStyle":0,"transCodingObjKey":"https://img.hubpd.com/hubpd/63fb5773d0c5250001bc9220","transCodingObjKeyMp4":"https://img.hubpd.com/hubpd/","mpIcon":"https://img.hubpd.com/hubpd/01a69afe-ae69-11ec-93e9-368536d81367.png","mpName":"湖南日报","mpIsVerified":true,"mpId":"1152921504606907135","covers":[],"coversType":0,"blurImage":"","publishedAt":1677408492,"classificationName":"财经","tap":455,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"8646911284553204975|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":[],"coverType":0,"settled":0,"settledEntity":"","settledInfo":"湖南日报社","hideView":0,"hideLike":0},"hisHots":{"hotData":[{"trueId":"4323455642280787848","title":"扎根与攀登：在最好的时代挥洒青春","author":null,"tags":null,"source":0,"reprintedUrl":"https://m.voc.com.cn/xhn/news/202604/32546150.html","type":0,"vShowStyle":0,"mpIsVerified":false,"covers":null,"coversType":0,"blurImage":"","publishedAt":1777392395,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"4323455642280787848|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"576460752308533367","title":"6年公益支出5900余万元！湖南体育基金会换届，侯志慧等5位冠军加盟","author":null,"tags":null,"source":0,"reprintedUrl":"https://m.voc.com.cn/xhn/news/202604/32515160.html","type":0,"vShowStyle":0,"mpIsVerified":false,"covers":["https://img.hubpd.com/hubpd/spider/full/2b3f6cda0404506183a3ce51e0dd81379d4d9120.jpg"],"coversType":0,"blurImage":"","publishedAt":1777029185,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"576460752308533367|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"6341068275342567524","title":"维权热线+就医优先!长沙骑手增享双重“工会福利”","author":null,"tags":null,"source":0,"reprintedUrl":"https://m.voc.com.cn/xhn/news/202604/32525645.html","type":0,"vShowStyle":0,"mpIsVerified":false,"covers":["https://img.hubpd.com/hubpd/spider/full/55065104b923778b777ab5b451e199c24fc5ed09.jpg","https://img.hubpd.com/hubpd/spider/full/style_1_9dceecec66fc4af6cf9f83fe5c3a4fc1207fef6b.jpg","https://img.hubpd.com/hubpd/spider/full/673b132862c53ca3972af0da3c1b5a2dd02967fb.jpg"],"coversType":0,"blurImage":"","publishedAt":1777207140,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"6341068275342567524|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0},{"trueId":"1152921504611957323","title":"快讯丨“青春合伙人·学长创客厅”成果展示暨颁奖仪式举行","author":null,"tags":null,"source":0,"reprintedUrl":"https://m.voc.com.cn/xhn/news/202604/32519665.html","type":0,"vShowStyle":0,"mpIsVerified":false,"covers":["https://img.hubpd.com/hubpd/spider/full/6c609c96bbd2c29d6a9b5413bc7e5b72e5dd1ba2.jpg"],"coversType":0,"blurImage":"","publishedAt":1777100105,"tap":0,"likeCnt":0,"userIsLike":false,"isFeedAd":false,"compositeId":"1152921504611957323|0|0","editedAt":0,"mpLinkType":0,"mpLinkTypeList":null,"coverType":0,"settled":0,"settledEntity":"","settledInfo":"","hideView":0,"hideLike":0}],"mpName":"湖南日报","mpIcon":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