According to the second quotation of the new LPR published on September 20th, the varieties with a term of more than five years mainly linked to the mortgage interest rate remain unchanged at 4.85%. Starting from 65438+10.8, the mortgage is formed with the LPR of the corresponding period in the latest month as the pricing benchmark. This also means that the interest rate of the first suite will not be lower than 4.85% and the interest rate of the second suite will not be lower than 5.45% in the new housing loans issued after 65438 10.
According to the statistics of Times Weekly reporters, at present, two places in "North, Guangzhou and Shenzhen" have announced the rules for extra points. The mortgage interest rates in Beijing and Shenzhen, which have been determined by the detailed rules, have slightly increased compared with before, but they are generally stable. Among them, Beijing's first home loan interest rate will rise by 1 BP, and the second home loan interest rate will rise by 2 BP; China Merchants Bank Shenzhen's first home loan interest rate will rise by 0.5 BP, and the second home loan interest rate will rise by 6 BP.
There is still no movement in Guangzhou and Shanghai. Local banks, intermediaries, and institutional personnel all told the Times Weekly reporter that they have not heard of the specific rules. Mr. Lin (pseudonym), a state-owned bank in the Pearl River Delta, told Times Weekly: "The specific implementation plan has not yet been introduced, but it is expected that the mortgage interest rate will rise slightly after the rail reform."
"Rising is a common phenomenon now, and falling is also a reasonable phenomenon." Tao Jin, a senior researcher at Suning Financial Research Institute, told the Times Weekly reporter that the local regulations increase the lower limit, which reflects the determination of policy makers to regulate the real estate market because of the city's policy. The formation mechanism of mortgage interest rate before and after the transition is completely different. Since it is different, it is normal for the new interest rate to be slightly higher or lower.
13 provinces and cities determine the lower limit of bonus points.
According to media statistics, as of September 17, the self-regulatory organizations of market interest rate pricing in 13 provinces, autonomous regions and municipalities have determined the lower limit of local LPR.
Among them, China Merchants Bank Shenzhen is the first crab eater in China.
On August 25th, less than two weeks after the central bank announced that the new mortgage interest rate pricing mechanism would be adopted, on September 5th, China Merchants Bank Shenzhen came up with a plan to link the mortgage interest rate with LPR-the first home loan interest rate was formed by LPR plus 30BP, which was 5.15%; The second home loan interest rate is formed by LPR plus 60BP, which is 5.45%.
On September 16, several banks in Beijing announced the pricing scheme as follows: the first suite was formed by LPR plus 55BP, accounting for 5.4%; The second set is formed by LPR plus 105BP, accounting for 5.88%.
In addition, it is reported that many bank mortgages in Suzhou have implemented LPR interest rates. Among them, the bonus rules for China Merchants Bank and Postal Savings Bank are as follows: the first suite is formed by LPR plus 128BP, 6. 13%, 0.5 BP higher than before, and the second suite is formed by LPR plus 150BP, accounting for 6.35%.
Times Weekly reporter learned from Suzhou local real estate industry institutions and local bank personal loan managers that the above news is basically true.
The personal loan manager of a local CCB sub-branch told Times Weekly reporter on September 22nd: "Even if the loan application is submitted now, the loan will form an interest rate with LPR plus points instead of the previous benchmark. Because the approval takes time, the approval is also after101October 8. "
But there are also banks and cities that are making slow progress. Mr. Lin of the above-mentioned Pearl River Delta told reporters: "There have been several meetings, but there has been no specific plan."
Intermediaries in Hangzhou and Shanghai also told Time Weekly that the scheme of linking mortgage interest rates with LPR has not yet come out.
"At present, the mortgage interest rate in Hangzhou is still rising at the benchmark interest rate of 4.9% 10%, which is 5.39%." Mr. Yan, an intermediary of a real estate agent in Hangzhou, told reporters.
On the other hand, Shanghai is more complicated. Lu Wenxi, an analyst of Shanghai Zhongyuan real estate market, told Times Weekly: "At present, the mechanism linking Shanghai mortgage interest rate with LPR has not yet come out. Previously, the Shanghai mortgage interest rate was 15% off the benchmark interest rate, which was 4.655%. According to the announcement of the central bank, the new mortgage interest rate pricing mechanism has cut off the lower limit, and the lowest is LPR. On this basis, the Shanghai mortgage interest rate will rise with a high probability. "
Intermediary selling anxiety didn't work.
What is the impact of interest rate changes on the market? Property buyers have not fully reacted.
MISS ZHOU, a Shanghai property buyer, told me, "I've been so busy at work recently that I haven't had time to get to know it. However, after reading a calculation, there are dozens of mortgages every month, so I don't care too much. "
The slight increase in mortgage interest rate did not significantly increase the repayment pressure of buyers. Take Beijing as an example, the loan is 3 million yuan, and the principal and interest will be repaid in 30 years. The interest of the whole loan period is 7863. 18 yuan (the first set) and1726 yuan (the second set), with an average monthly increase of 2 1.84 yuan.
However, some intermediaries take advantage of this opportunity to advocate buyers to buy houses as soon as possible.
On September 20, an intermediary in Guangzhou showed a scene map of the Housing Authority in a circle of friends, and said, "Before the implementation of the policy, the Housing Authority was much more lively. Please buy a house as soon as possible to avoid the increase in the loan interest rate on June 8. 10, pay more interest for no reason! "
But in the eyes of market participants and experts, this marketing method of intermediary has little effect. "Due to the existence of the lower limit, under the new formation mechanism, the mortgage interest rate may rise slightly in the short term. However, this increase is very small in the short term and is not expected to have a major impact on market transactions. " Tao Jin analysis.
Ge, general manager of Kerry Suchang, said in an interview with Time Weekly: "It is still too early to say whether the market will be affected by interest rate changes. Interest rate changes will drive panic trading and lead to upward trading."
According to the data of Fangtianxia and Ke Rui, after the central bank announced that the real estate interest rate was about to change track, Zhou Su remained at 1500 for four consecutive weeks. 1800 sets; Guangzhou is at 900? 1800 sets fluctuated greatly, but none of them exceeded the annual fluctuation range.
Even from a national perspective, the transaction volume of the property market is relatively light. "In the first half of the opening of' Jin Jiu', the transaction volume of new houses in 35 cities fell by 7% year-on-year and month-on-month." Li, chief researcher of Guangdong Housing Policy Research Center, pointed out that "key cities have fallen for two consecutive months before, and' Jin Jiu' still fell on this basis in the first half of the month."
In fact, under the policy background of strictly controlling real estate-related credit this year, the real problem faced by buyers is not a slight increase in mortgage interest rates.
A buyer surnamed Li in Guangzhou told Times Weekly that he started to apply for a mortgage in September this year and ran 12 banks, but so far, "the particles have not been collected". "One of the state-owned bank credit officers told me,' The difficulty in approval is the normal state of mortgage application now. We also typed a lot of reports, and none of them were approved. "
Perhaps, as an employee of another state-owned bank in a province in the Pearl River Delta told the Times Weekly reporter, "This year may not be a good year for home buyers." ?