The mortgage interest rate does not move.
"The mortgage interest rate in Beijing has been quite stable and has not risen much." Yesterday, Xiao Cao, who has been a real estate agent in Beijing for many years, told the reporter of Beiqing Daily. At present, the mortgage interest rates of all banks are still subject to the first set of standards of floating 55 basis points and two sets of floating 105 basis points on the basis of LPR. Specifically, it is currently 5.2% for the first set and 5.7% for the second suite. The loan manager of a joint-stock bank said that the interest rates of bank mortgages in Beijing are all the same, and everyone has unified pricing, which has been very stable recently.
According to the regulations of the central bank, since April 8, 2065 (438+09) and October 8, 2065 (438+09), the new commercial personal housing loan interest rate has been formed by adding the loan market quotation (LPR) of the last month as the pricing benchmark. After the New Deal, the pricing benchmark of personal housing loans in Beijing is: the interest rate of the first set of commercial personal housing loans is not lower than LPR 55 basis points in the same period, and the interest rate of the second set of commercial personal housing loans is not lower than LPR 105 basis points in the same period. This standard has not changed so far.
A number of banks said that second-hand housing did not stop lending.
The time of bank lending that buyers are more concerned about is closely related to the tight bank quota. People from two state-owned banks and a Beijing branch of a joint-stock bank headquartered in the south all said that the personal loan amount is not tight at present, and the lending cycle is the same as before, so there is no need to queue up for an appointment; Their second-hand housing loans were also carried out normally, and they did not stop lending.
A personal loan officer of a branch of a state-owned bank said that there are not many properties that the branch cooperates with, and now the quota is not tight, so there is no need to queue up; Judging from the lending cycle, it takes about two weeks to approve the lending of pure commercial loans, and the provident fund loans are slower.
The intermediary Xiaocao said that it is not difficult to apply for a mortgage loan now. Banks approve loans quickly, and the lending cycle is similar to that in the past. It will be out in a week or two, and it may take a month or two to recover.
Xiao Wang, an intermediary agent specializing in high-end real estate in Chaoyang District, said that the interest rate and lending period of applying for mortgage loans have not changed significantly, and the lending time is about one month. The specific situation will vary from bank to bank. I feel that some banks have been strict in the review of loans recently, and have higher requirements for the qualifications of lenders.
Some banks are short of quotas this year.
However, a few small and medium-sized banks said that the loan quota has been relatively tight this year, not because of the recent surge in loan demand, but mainly because of the implementation of the new policy of "centralized management of real estate loans" at the beginning of the year. A person from a Beijing branch of a stock bank said that the head office did not approve the mortgage quota this year. A person from a branch of another stock bank said that although there are still some quotas, there are not many left, and customers need to make an appointment to queue up for mortgage.
On June 65438+1 October1this year, the centralized management system of real estate loans was formally implemented, which marked "two red lines" for the balance of bank real estate loans and personal mortgages. The balance of some banks' real estate-related loans exceeds the standard and needs to be gradually reduced during the transition period.
Some bankers said that some banks have tight quotas because the head office has exceeded the regulatory indicators, so it will be restricted; And those banks that have not exceeded the standard or have little pressure to exceed the standard are naturally not nervous about the quota.
analyse
Behind the stable mortgage market is a stable property market.
In sharp contrast to Beijing, mortgage interest rates in other first-tier cities have been raised from time to time this year, especially in Guangzhou, where mortgage interest rates have been raised four times in a row. Recently, many key cities in China have reported that the bank loan quota is tight, the lending cycle is extended, and some cities have also stopped lending second-hand houses.
Why is Beijing's mortgage market so stable? Zhang Dawei, chief analyst of Zhongyuan Real Estate, pointed out that the mortgage situation in each city is closely related to the performance of the property market. Recently, the turnover of many cities in the south has increased greatly, and the demand for loans has soared. Although banks have not deliberately controlled the supply of loans, the relatively huge demand and quota are definitely not enough. The property market transactions in Beijing and many northern areas are stable or even light, with little demand for loans, tight quotas and no interest rates rising. Zhang Dawei believes that the mortgage crisis in many cities in the south is not the result of policy regulation, but mainly caused by the market.
According to the latest statistics of Zhongyuan Real Estate Research Center, in the first half of this year, the number of second-hand houses sold in Beijing was 1 10000, the highest point since the second half of 20 16, and the number of new houses sold exceeded 30,000, the highest point in the same period in the last eight years.
However, in Zhang Dawei's view, the current Beijing property market is in the warm winter of the market, far from the spring. He believes that the Beijing market belongs to the most stable property market among the first-and second-tier cities in the country, and the purchase leverage is the most difficult. In this case, the market is unlikely to have high temperature. Beijing continues to reiterate that once the market is overheated, it will be regulated, which also inhibits the overheating of the market.
Many bankers also believe that in the past two years, Beijing's housing prices have performed steadily and are expected to be stable, and real estate regulation has achieved remarkable results. In the future, the overall loan interest rate in Beijing will remain stable, and the probability of further tightening is not great.
Some market participants also believe that if the Beijing property market quietly picks up in the second half of the year, it is not excluded that interest rates will rise with the increase in loan demand. But judging from the current situation, even if it rises, there will not be much room.