The double packages of "adjustment of the lower limit of the interest rate of the first home loan" and "reduction of the quoted interest rate (LPR) of the loan market over five years" have been delivered to some cities. On May 22nd, beijing business today Today reporter learned today from the account managers of several regional banks that at present, the new first home loan interest rates in Tianjin and Zhengzhou have implemented the minimum standard of 4.25%. In Beijing, with the reduction of the loan market quotation (LPR), the interest rate of the first home loan of many banks has also been adjusted from 5. 15% to 5%.
4.25%
On May 20th, the central bank authorized the National Interbank Funding Center to announce that the five-year LPR 15 basis points would be lowered from 4.6% to 4.45%, which was the biggest drop after the LPR bundled the mortgage interest rate. In addition, on May 15, the central bank and the China Banking Regulatory Commission announced that the lower limit of the first home loan interest rate would be adjusted to be no less than the quoted interest rate in the loan market for the corresponding period minus 20 basis points, which means that the lowest interest rate of the first home loan could be reduced to 4.25% by superimposing the previous policies.
On May 22nd, beijing business today reporter found today that Tianjin, Zhengzhou and other regions have started to implement the interest rate standard of 4.25% for the first home loan, and some city bank outlets revealed that it is expected that the new interest rate standard of 4.25% for the first home loan will be officially implemented on May 23rd or 24th.
"At present, the bank implements the policy of the first suite interest rate LPR-20 basis points with a term of more than 5 years. According to the latest LPR quotation, the new first suite can reach a minimum of 4.25 fold. " The account manager of a state-owned bank in Tianjin revealed. A person from a joint-stock bank in Zhengzhou also told the beijing business today reporter today that "at present, the interest rate of the first home loan newly issued by our bank can be as low as 4.25%, but it needs the approval of the customer's credit information, and it is the first time buyer".
In Changzhou, a person from the personal loan department of a large state-owned bank mentioned, "It is expected that the interest rate of our first home loan will be as low as 4.25% from May 23 or 24, but the specific situation has not yet been received. However, applying for a 4.25% mortgage interest rate has some additional requirements for customers, such as paying social security, provident fund, and a stable income for one spouse. "
"LPR reduction is good for buying a new house, and the monthly supply will be reduced." "It's time to save money to buy a house." ? After LPR cut interest rates, the related topic "Is it time to buy a house?" Once rushed to the hot search. In fact, since the central bank explicitly adjusted the lower limit of the interest rate of the first commercial personal housing loan to not less than LPR minus 20 basis points in the same period on May 15, some cities have lowered the interest rate of the first home loan to 4.4% due to the city's policy.
According to the incomplete statistics of Zhuge Housing Search Data Research Center, after the central bank and China Banking Regulatory Commission issued the differentiated housing credit policy on May 15, the minimum mortgage interest rate of the first suite in 20 cities has dropped to 4.4%, such as Guangzhou, Tianjin, Suzhou, Jinan, Chongqing, Shenyang and Kunming. Wang Xiaoyu, chief analyst of Zhuge Housing Search Data Research Center, pointed out that LPR has experienced the biggest decline in history in the past five years. It can be seen that the central government is determined to stabilize the economy and the real estate market at present, and there is still room for further reduction of the minimum interest rate of the first suite in the above cities in the future.
5%
In Beijing, will the mortgage interest rate be loosened? On May 22nd, beijing business today Today reporter learned from many banks in Beijing that with the latest LPR reduction, many banks in Beijing have officially adjusted the interest rate of the first home loan from the previous 5. 15% to 5%.
At present, the implementation standard of interest rate in Beijing mortgage market is: the interest rate of the first home loan for more than 5 years is LPR 55 basis points, and the interest rate of the second home loan for more than 5 years is LPR 105 basis points. A related person in the business department of a large state-owned bank said, "At present, the interest rate of the first home loan of our bank is 55 basis points for five years and above, that is, 5%". The personal loan manager of another large state-owned bank also mentioned that the interest rate of the first home loan has been adjusted from the previous 5. 15% to 5% together with LPR.
Joint-stock banks have also been adjusted. The account manager of a joint-stock bank told the beijing business today reporter today, "As confirmed by the bank and the Beijing Banking Association, the floating point of the implementation interest rate of personal housing mortgage loans in Beijing remains unchanged for the time being, that is, the interest rate of mortgage loans over five years is: the first set of commercial loans is 4.45% and 55 basis points, which is 5%; The second loan is 4.45% 105 basis points, which is 5.5%. " "The above interest rate is subject to the loan on May 20th," added the account manager of the above-mentioned joint-stock bank.
Relevant persons of another joint-stock bank, Beijing Branch, also revealed that the execution interest rate of the bank's first set of housing loans was calculated according to the corresponding grade LPR combined with the agreed interest rate adjustment range. Therefore, taking loans for more than five years as an example, according to the LPR announced on May 20th, the current first home loan execution interest rate is 5%.
What people are most concerned about is how much money the adjusted monthly repayment can save compared with before. According to the information obtained by beijing business today reporter from the real estate agency today, if the Beijing commercial loan is 6,543.8+0,000 yuan, the loan term is 25 years, and the principal and interest are equal, after the first home loan is implemented at the interest rate of 5%, the monthly repayment amount will be 5,845.9 yuan, which is 87.73 yuan less than the unadjusted 5,933.63 yuan, and the overall repayment amount will be reduced by about 26,000 yuan in 25 years.
Jiang Han, a senior researcher at Pangu Think Tank, said in an interview with beijing business today Today that the mortgage interest rate in Beijing is relatively stable, close to the trend of LPR and in a downward trend. In the long run, LPR may still decline in the future.
On October 8th, 2065438+09 19, the mortgage interest rate of19 was officially "anchored" and changed from the benchmark interest rate to the upward adjustment based on LPR. Judging from the implementation of banks in various regions, the current adjusted minimum interest rate of 4.25% does not cover all regions. In addition, some banks only received verbal requests and notices, but did not receive more detailed contents issued by the head office or branches. Interest rate adjustment is still in progress.
Then, will there be more cities to follow up and lower the mortgage interest rate quotation basis point in the future? Experts said that the central bank and the China Banking Regulatory Commission had made it clear that the lower limit of the first home loan interest rate should not be lower than "LPR-20 basis points in the same period". The downward adjustment of LPR for more than five years will further guide the downward trend of mortgage interest rate. This also means that the subsequent mortgage interest rate may be further lowered. Judging from the transaction data of key cities in the country in the first half of May, although there are signs of weak recovery compared with April, the year-on-year decline is still very large. It is still necessary to insist on reducing the mortgage interest rate by adding some basic points similar to mortgage.
Zhuge housing data research center pointed out that it is foreseeable that there is still room for further downward adjustment of mortgage interest rates in the future. From the perspective of cities, some second-and third-tier cities with greater downward pressure on the property market still implement the minimum mortgage interest rate, while first-tier cities do less. At the same time, the implementation object is limited to the first suite, and the second suite is still implemented according to the original standard. The first set of interest rate cuts significantly exceeds the second suite.
According to Zhou, a macro researcher in the financial market department of China Everbright Bank, the 5-year downward adjustment of 15 basis points has released the signal that the domestic property market has stabilized and the support for the manufacturing industry has increased significantly. To further expand the lower limit of mortgage interest rate, it is foreseeable that in the future, in some areas with relatively large supply and weak demand in the property market, the quotation basis point of mortgage interest rate will be significantly lowered. However, on the whole, the domestic property market is "stable", insisting on the positioning of housing and not speculating, promoting local governments to implement the "three stable" tasks due to urban policies and precise regulation, and promoting the stable and healthy development of the property market. The regional property market will also implement city-specific policies and precise regulation, and it is necessary to flexibly adjust the quotation basis of mortgage interest rate according to the regulation requirements of various real estate markets and regions.