【财经趣识】什么是BLR? 它是如何计算的?
贷款利率
银行贷款种类多,你还记得什么是基本贷款利率(BLR)吗?
相信大家对基本贷款利率都不陌生吧,在2015年以前,银行还是根据该利率作为房贷利息的标准,只不过后来被基准利率(BR)和标准基准利率(SBR)给取代了。
所谓的基准利率,是国内银行和金融机构用来设定贷款利息的参考利率,并受到国家银行隔夜政策利率(OPR)影响。一般上,在国行召开货币政策会议,公布最新的隔夜政策利率后,银行用此利率来设定自家的BR、BLR和SBR,也就是人们在银行贷款的利率指标。
如果你的房贷是2015年之前申请,那贷款利息是以BLR作为标准。BLR是由国行来设定,银行再根据自己的贷款利率,来计算出向客户收取的利息。不过,这机制被批评欠缺透明,一些银行以比BLR更低的利率来吸引顾客,借此推动贷款业务。
算法:BLR参考利率–银行赚取的贷款利息=实际贷款利息
例子:5.65% – 2% = 3.65%
另外,若申请的是回教贷款,那银行则会采用基准融资利率(BFR),这也是回教贷款中的BLR。如今,这项基准一在2015年1月2起被停止使用,政府推出BR作为新基准利率直到2022年8月1日,政府再推出SBR。
尽管BLR和BFR则依然存在于市场上,但更多的是被银行用来计算商业或者公司贷款的利息。
https://www.enanyang.my/%E8%B4%A2%E7%BB%8F%E6%96%B0%E9%97%BB/%E3%80%90%E8%B4%A2%E7%BB%8F%E8%B6%A3%E8%AF%86%E3%80%91%E4%BB%80%E4%B9%88%E6%98%AFblr-%E5%AE%83%E6%98%AF%E5%A6%82%E4%BD%95%E8%AE%A1%E7%AE%97%E7%9A%84
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