The mortgage interest rates of most banks in Zhengzhou have been lowered, and the current mortgage interest rate is generally 20% higher than the benchmark interest rate and 0.53% lower than the previous month.
The benchmark loan interest rate is:
1, and the loan interest rate is 4.35% within one year;
2. The loan interest rate within one to five years is 4.75%;
3. The loan interest rate for more than five years is 4.90%.
Take the loan interest rate of 4.9% for loans over five years as an example, the interest rate after 20% increase is 5.88%.
2. Has Zhengzhou mortgage interest rate dropped in Anyang?
Search: Has Zhengzhou mortgage interest rate dropped? Did Anyang drop?
Third, the interest rate of Zhengzhou mortgage fell.
Since 20021,the news of mortgage tightening has touched the nerves of every property buyer. In many places, there are phenomena such as insufficient personal housing loan quota, interest rate increase and loan extension, and some banks have pressed the "pause button" of second-hand housing loan business. Reflecting the transaction volume, statistics show that in 202 1 and 65438+February, the transaction volume of commercial housing in Zhengzhou was about 1 178 1 set, a sharp increase of 36% from the previous month. At the end of the year, there was a "jumping tail" market. In this regard, some analysts pointed out that the continuous downward adjustment of mortgage interest rates has guaranteed the credit demand of the just-needed groups, which is one of the important reasons for the industry's recovery. Mortgage interest rate correction "The bank we cooperate with is Bank of Zhengzhou. Now the interest rate of the first suite is 5.39%, and the interest rate of the second suite is 5.63%. Previously, the interest rate of the first suite was 5.88%, which has been decreasing. Moreover, bank lending time has also been shortened. If the transfer is completed before New Year's Day, it is expected that the loan will be received before 65438+1October 20. " Another real estate agent said. According to the monitoring of Hanyi think tank, the mainstream interest rate of the first suite in Zhengzhou is 5.63%( 10 165438+5.85%), and the mainstream interest rate of the second suite is 5.88% (1.03). Reflected in the market, in June 5438+February, the number of commercial housing transactions in Zhengzhou was about 1 178 1 set, a sharp increase of 36% from the previous month, and there was a "tail jump" market at the end of the year. However, compared with the same period in 2020, the market still needs to recover; The average transaction price was about 12002 yuan/square meter, down 0.24% from the previous month, and the price stabilized. Roller coaster market In fact, looking back at Zhengzhou's personal housing mortgage loan market in 20021year, it experienced roller coaster-like fluctuations from the previous tight quota and interest rate increase to the current accelerated lending and loose interest rate. However, from April 20021year, Zhengzhou's mortgage policy began to tighten, the mortgage interest rate rose and the loan term was extended. By September, the interest rate of mainstream mortgage in Zhengzhou was raised to 6.37% for the first suite and 6.62% for the second suite. The loan time for new houses is generally more than 3 months, and the second-hand houses are completely suspended. At the end of September, the People's Bank of China and the China Banking Regulatory Commission held a forum on real estate finance to guide major banks to accurately grasp and implement the prudent management system of real estate finance, maintain the smooth and orderly delivery of real estate credit, and maintain the stable and healthy development of the real estate market. Since then, with the release of more favorable policies, Zhengzhou's mortgage market has begun to relax, the lending cycle has been shortened, and the mortgage interest rate has been continuously lowered. From 6.37% of the first suite in September to 5.39% of the first suite in February, the decline was nearly 100 basis point. As for the loan term, the monitoring data from the trading service center of Shell Zhengzhou Station also showed that the average loan term in Zhengzhou was about 23 days in the first quarter of 200210, and it was extended to 3 months in September, reaching 180 days at the longest. By 65438+February, the average lending time was shortened to 14.25 days, an increase of nearly 10 times. For the future market changes, China Research Institute pointed out that in 2023, residential mortgage is expected to continue to be loosened, mainly by increasing the personal mortgage quota, shortening the lending cycle and lowering the mortgage interest rate. In particular, by increasing the credit line of the first and improved housing mortgage loans, supporting residents' self-occupation and improved housing consumption, ensuring the smooth operation of normal real estate transactions and promoting a virtuous circle of the real estate industry. Related questions and answers: What is the interest rate of Zhengzhou's first home loan? The floating situation of different banks is different, as follows: 1, Bank of China, ICBC, China Construction Bank, Agricultural Bank of China and other first home loan interest rates rose by 30% on the basis of the central bank's benchmark interest rate, with an interest rate of 6.37%; 2. The first home loan interest rates of China Everbright, Xingye, Transportation, Minsheng, Pudong Development Bank, Zhongyuan, CITIC, China Merchants Bank and Zheshang Bank rose by 25% on the basis of the central bank's benchmark interest rate, and the interest rate was 6.125%; 3. The interest rate of the first home loan of a few banks, such as Postal Service, Ping An and Bank of Zhengzhou, rose by 20% on the basis of the central bank's benchmark interest rate, and the interest rate was 5.88%. Ps: Major banks will also make appropriate adjustments to the interest rate of Zhengzhou's first home loan according to the applicant's credit status. Related Q&A: Is the interest rate of the first home mortgage 5.39 high in 2020? In 2020, the interest rate of the first home mortgage will be 5.39%. Is it tall? Who does Cai Xiao think we should compare with? In which city? Under the impact of the epidemic, the local property market presents different development trends, and the policies vary greatly, so it is difficult to give a unified answer. The specific views are shared as follows for reference only. 1. How is 5.39% formed? 0 1, 20 19, 10 months ago, before the implementation of the personal housing commercial loan LPR, the benchmark interest rate rose by 10%, which was 5.39%, which was also the interest rate of most commercial loans of the first suite at that time. That is to say, the commercial loan for the first suite rises 10%, and this interest rate is not discounted and does not enjoy preferential treatment. 02, 20 19, 10, after the implementation of LPR, the interest rate of the first home loan will be raised from LPR, and the bottom line is LPR, which is 4.75%; The bottom line of the second suite is LPR60 basis points, 5.35%. The interest rate of the first home loan in 2020 is 5.39%, which is 64 basis points of LPR. Second, the interest rate of the first home loan is 5.39%. Is it tall? According to the national average interest rate data of 0 1 and 360, the national average interest rate of the first home loan in June 2020 was 5.5 1%, which was equivalent to an increase of 76 basis points in LPR. In February 2020, the average interest rate of the first home loan in China was 5.50%, down 1 basis point from the previous month, with little fluctuation. In other words, your 5.39% loan interest rate is lower than the national first home loan interest rate (5.50%) 1 1 basis point in February this year, which is not higher than the national average first home loan interest rate, but slightly lower. This data is based on the monitoring of 673 banks (branches) in 4 1 city in China by 360 Data Research Institute, which can accurately reflect the market interest rate level and has reference value. 02. Average interest rate of the first home loan in some hot cities In February 2020, the interest rate of the first home loan in hot cities was high or low, which was directly related to the local property market heat and sales volume, and also directly related to the control measures of "one city, one policy". Shanghai has a down payment of 3.5%, and the average interest rate of the first home loan is 4.8%; Beijing has a down payment of 3.5%, and the average interest rate of the first home loan is 5.35%; Nanjing has a down payment of 30%, and the average interest rate of the first home loan is 5.66%. It can be seen that even in hot cities, your first home loan interest rate of 5.39% is not high, at a medium level. 03. Average interest rate of the first home loan in some ordinary cities In February 2020, the average interest rate of the first home loan in non-hot ordinary cities was generally not low. Dongguan pays 30% down payment, and the average interest rate of down payment is 5.45%; The down payment is 20%, and the average mortgage interest rate is 5.19%; Nanchang has a down payment of 30%, and the average mortgage interest rate is 5.85%. It can be seen that even in non-hot cities, the first average interest rate is between 5. 19%-6.24%, that is, the plus point is between 44- 149 basis points, which is really not low, while your plus point of 5.39%, 64BP, is not high by comparison. Based on the analysis in this section, whether the average interest rate of the first home loan in China, the average interest rate of hot cities or the average interest rate of ordinary cities is the first, your 5.39% is in the middle and lower reaches. Thirdly, let's look at the historical data of 0 1, 20 19, 12. According to the data of Rong 360, the average interest rate of the first home loan in China in 20 19 was 5.52%, which was 1BP higher than this year. From the perspective of specific cities in the country, there are two cities with more than 6%, 6.23% in Nanning and 6.07% in Zhengzhou; There are/kloc-0 in cities below 5%, 4.87% in Shanghai and 5%-6% in other monitored cities. From the chart of 360 monitoring data, compared with the red line level of 5.39%, 6 cities are lower than this level and 9 cities are higher than this level. On the whole, 5.39% is still the interest rate of the middle and lower reaches. 02. Comparison of historical data of LPR After the implementation of LPR in June 20 19, LPR*** experienced two downward adjustments in five years, from 4.85% to 4.8% in June 2019; The second downward adjustment was in February this year, from 4.8% to 4.75%, which is the current level. Judging from this trend, LPR is a downward trend, and it is expected that this trend will still have downward space during the year due to the epidemic situation. In other words, if the first loan is 5.39% now, there may be room for downward adjustment of the first interest rate in the future, which may be lower. Combined with historical experience and economic trends, this year's high probability will be reduced by 5- 10 basis points. However, after LPR stepped down, it is uncertain whether commercial banks are willing to make concessions on the basis. Comprehensive full text: Your first home loan interest rate of 5.39% is neither low nor high, at the middle and lower reaches level. Comparing the historical data and LPR trend, there is still room for further downward adjustment of the first home loan interest rate this year.
4. Can the loan interest rate in Zhengzhou be transferred?
The loan interest rate cannot be directly transferred. There are two ways to deal with it. One is to apply for a loan from another bank and settle the previous bank. The other is to apply for provident fund or credit loan. It was also necessary to settle the provident fund before, but the credit loan was not needed.