As a lender, Zhongxin Jingwei has contacted six outlets of Zhongyuan Bank in Jinshui District, Zhongyuan District, Erqi District and Guancheng Huizu District of Zhengzhou City. The loan managers of these outlets confirmed to Zhongxin Jingwei that Zhongyuan Bank lowered the personal housing mortgage interest rate, and the first home loan interest rate was as low as 4.6%, while for college students (full-time college degree or above) who graduated within five years, the first home loan interest rate was as low as 4.5%.
The loan manager of Zhongyuan Bank's business outlet in Zhongyuan District said: "The mortgage interest rate was only adjusted yesterday (26th), and the first set was reduced to 4.6%. The housing construction area purchased by college students within five years after graduation does not exceed 140 square meters, and they can enjoy an interest rate of 4.5%. " The loan manager of a business outlet in Guanchenghui District of the bank said that both new and second-hand houses can enjoy this loan interest rate concession.
However, it should be pointed out that the lowest mortgage interest rate of Zhongyuan Bank is 4.5%, which may be different from the previous policies of the People's Bank of China. According to the latest loan market quotation rate released on April 20, 2022, the five-year LPR is 4.6%. "The minimum mortgage interest rate of 4.5% may not meet the policy requirements and the system will not pass. There is uncertainty about whether it can continue to be implemented in the future. " The loan manager of a business outlet in Jinshui District of Zhongyuan Bank revealed to Zhongxin Jingwei.
According to the document "Announcement of the People's Bank of China [20 19]No. 16" issued by the People's Bank of China on August 25th, 2019, the new commercial individual housing loan interest rate is based on the loan market quotation (i.e. LPR) in the last month. The interest rate of the first set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding term loan market, and the interest rate of the second set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding term loan market plus 60 basis points.
However, the above-mentioned documents also point out that all provincial branches of the People's Bank of China should guide the self-discipline mechanism of interest rate pricing in the provincial market in accordance with the principle of "making policies according to the city" and determine the lower limit of interest rates for the first and second sets of commercial personal housing loans within their jurisdiction on the basis of the unified national credit policy and changes in the local real estate market situation. Banking financial institutions should make clear the interest rate pricing rules of commercial personal housing loans according to the lower limit of the self-discipline mechanism of interest rate pricing in provincial markets, combined with their own operating conditions, customer risk conditions and credit conditions, and reasonably determine the specific value of each loan.
In addition to Zhongyuan Bank, a real estate agent in Zhengzhou said that Industrial Bank and China Everbright Bank recently lowered the interest rate of the first home loan for college students to 4.5% within five years after graduation, but today (April 27) they received a notice and stopped doing it. According to the intermediary, at present, 4.6% is ok, mainly second-hand houses, with a minimum of 4.65% for new houses.
Zhongxin Jingwei consulted several branches of Industrial Bank and China Everbright Bank in Zhengzhou as a lender. The loan account manager of a branch in Zhongyuan District of Industrial Bank said that the lowest interest rate of the first home loan for graduate students is 4.6%, and it has not yet dropped to 4.5% for both new and second-hand houses. The loan account manager of a branch in Jinshui District of China Everbright Bank said that the mortgage interest rate has not been lowered to 4.5%, but if college students buy a second-hand house with the qualification of first suite within five years after graduation, the loan interest rate will be at least 4.6% and the new house will be at least 4.7%.
It is understood that since March this year, including Zhengzhou, the interest rates of commercial personal housing loans in many cities across the country have been lowered, and the range is not small. In the past two years, the interest rate of commercial personal housing loans in Zhengzhou fluctuated greatly. In the second half of 20021,the interest rate of the first home loan in Zhengzhou once reached about 6. 1%, or even about 6.3%, and then it was lowered. At present, many prime banks have reduced the interest rate of Zhengzhou's first home loan to 4.9 fold or less.
"，" force_purephv":"0 "，" gnid ":" 90 a4b 899597 1968 1d "，" img_data":[{"flag":2，" img":[]}]，" original":0，" pat":"art_src_ 1， Fts0, sts0 ","powerby":"pika ","pub _ time ":16510789238k": "lpr", "u": "}, {"clk ":"Kestate _/kloc. K ":"loan ","u": "}, {"clk ":"kestate _ 1: housing loan ","k ":"housing loan ","u ":"}, {"clk ":"kestate _ 65438+. What is the best interest rate for RMB loans (LPR) of ICBC? What is the discount of 4.5% mortgage interest rate for college students within five years after graduation? At present, LPR Quoting Bank Group consists of nine commercial banks. Quoting banks should meet the requirements of hard financial constraints and macro-prudential policy framework, have a high degree of systemic importance, great market influence and strong comprehensive strength, have established an internal rate of return curve and internal transfer pricing mechanism, have strong independent pricing ability, and have formulated the bank's preferential interest rate management measures. And other conditions conducive to the quotation work. The self-discipline mechanism of market interest rate pricing determines and adjusts the members of quotation banks according to the centralized quotation and release rules of preferential loan interest rates, supervises and manages the operation of preferential loan interest rates, and regulates the behavior of quotation banks and designated issuers.
What is the current mortgage loan of LPR? How is it calculated? At present, my mortgage interest rate is 5. 145 (ICBC)-the mortgage is converted into LPR, and its interest rate is calculated by using the existing interest rate level to calculate the bonus value, and then according to the method of LPR insured interest rate plus bonus. For example, if the LPR interest rate is 4.8, the plus sign of 5. 145 is equal to 5. 145-4.8 = 0. ...
When will the mortgage interest rate go down in 2022-:Check the paid content for free within a limited time, and answer hello! I am glad to be able to answer your question. It is a bit difficult for the following three reasons: 1. Under the premise that the credit policy is not obviously relaxed in 2022, the financial pressure of developers will not be weakened, and the wait-and-see mood of buyers will not be reduced. Therefore, in the first half of next year, developers will "exchange price for quantity" ...