On May 6th, the reporter of "265438+20th Century Business Herald" was exclusively informed that China Construction Bank Shenzhen Branch issued a notice today, in order to implement "housing without speculation", promote the stable and healthy development of Shenzhen real estate market and support the reasonable housing demand of residents, Shenzhen Construction Bank adjusted the mortgage interest rate from today, and implemented LPR 95BP (equivalent to 5. 10%) for the first home loan and second home loan. In addition, in order to show support for low-and middle-income people to buy affordable housing, the loan interest rate of housing will remain unchanged, that is, LPR 30BP (equivalent to 4.95%) will be implemented.
After Shenzhen Construction Bank adjusted the mortgage interest rates of the first and second homes, the market expects other state-owned banks to follow suit. Generally speaking, the mortgage interest rates of the four major state-owned banks in the same region, namely, workers, peasants, China Construction Bank and China Merchants Bank, are roughly the same.
Insiders pointed out that the adjustment rate of the second home loan interest rate is higher than the first home loan interest rate, which is related to the strict implementation of differentiated housing credit policies by regulatory requirements. At present, the supervision direction of mortgage policy is to give priority to supporting the demand for the first home purchase.
Differentiated housing credit policy
On May 6th, the full text of the report of the Seventh Party Congress in Shenzhen was released. The report requires that houses should be used for living, not for speculation, standardize the development of the long-term rental market, speed up the improvement of the "4 2 2" housing supply and security system, and maintain the healthy and stable development of the real estate market.
Specific to the level of mortgage, Shenzhen mortgage interest rate is in the middle of the first-tier cities in Guangzhou, Shenzhen and Shenzhen. According to the reporter's understanding, among the mortgage interest rates of major commercial banks, the lowest interest rate for the first home loan in Beijing is LPR 55BP (equivalent to 5.20%), and the lowest interest rate for the second home loan is LPR 105BP (equivalent to 5.70%); The lowest interest rate of the first home loan in Shanghai is LPR 0 (equivalent to 4.65%), and the lowest interest rate of the second home loan is LPR 60BP (equivalent to 5.25%). Guangzhou has adjusted the mortgage interest rate three times this year. At present, the interest rate of the first home loan is adjusted to the lowest LPR of 75bp (equivalent to 5.40%), and the lowest LPR of the second home loan is 95bp (equivalent to 5.60%).
Regarding the adjustment of the second home loan interest rate to be higher than the first home loan interest rate, the bank's South China branch said that the regulatory authorities required financial institutions to reasonably control the growth rate and proportion of real estate loans and strictly implement differentiated housing credit policies. At present, the supervision direction of mortgage policy is to give priority to supporting the demand for the first home purchase and prevent consumer loans and operating loans from illegally flowing into the real estate market.
The branch of another big bank also said that mortgage approval is slower than before, but overall, the first home loan is still faster than the second-hand mortgage. "The supervision of the second suite is relatively strict, and both the down payment certificate and the social security certificate have procedures. Loan managers also tend to put the first home loan. "
According to the data released by Shenzhen Real Estate Agency Association, the average weekly online signing volume of second-hand houses in the past two months is only about 1 10,000 sets. At present, the market has begun to enter the game stage between buyers and sellers.
In recent years, Shenzhen's continuous property market has tightened its policy. Including the "7 15" new policy in 2020, the "new eight articles" detailed rules, and the marriage information inquiry mechanism. Since the beginning of this year, Shenzhen, Chengdu, Ningbo, Dongguan and Wuxi have regulated the second-hand housing market. In February, Shenzhen Housing and Urban-Rural Development Bureau announced the establishment of a second-hand housing transaction reference price release mechanism, releasing the second-hand housing transaction reference price in Shenzhen residential quarters for the first time.
Mortgage loans are also tightening.
In addition to the fluctuation of mortgage interest rates, the amount of mortgage loans is also tightening.
Many fund intermediaries and bank account managers report that the loan amount in Guangzhou and Shenzhen is relatively tight, and the waiting time in line is generally at least 1-2 months. The account manager of a bank in Guangzhou said that the mortgage loan and other housing-related loans have been suspended recently. Some big banks require that all second-hand housing loans must be entrusted with the down payment before being submitted for trial. Foreign registered customers need to provide 1 year provident fund or social security certificate, or 1 year residence credit certificate. The down payment provides nearly half a year's running water for immediate family members to transfer to the account. The first phase will be traced to the end by stages, and no cash deposit will be accepted.
Data show that RMB loans in Shenzhen increased by 36 billion yuan107 billion yuan in the first quarter of 200210, an increase of 443,438+06 billion yuan year-on-year. Among them, the medium and long-term loans of residents mainly based on mortgages increased by 65.438+005.673 billion yuan, and the medium and long-term loans of enterprises increased by 65.438+095.2438+000 billion yuan.
In addition to strictly controlling the second suite, Shenzhen is increasing the supply of the first suite. Recently, Shenzhen Housing and Urban-Rural Development Bureau released the forecast of commercial housing and commercial apartment projects that Shenzhen plans to enter the market in the second quarter. In the second quarter, there will be 36 commercial residential and commercial apartment projects in Shenzhen, including 28 residential projects. In the "Shenzhen 202 1 Construction Land Supply Plan" promulgated and implemented on April 25th, the supply of residential land in Shenzhen reached a record high in 20021year, and the total planned supply of construction land in the whole city was 1 130 hectares. In order to implement the spirit of "living without speculation, livable and suitable for business" and ease the pressure on housing supply, Shenzhen will continue to increase its efforts this year. The planned supply of residential land is 363.3 hectares, accounting for 32. 1% of the total planned supply, which is 24% and 142% higher than that in 2020 and 20 19 respectively.
16 On April 6th, the National Bureau of Statistics released the statistical data of the changes in the sales price of commercial housing in 70 large and medium-sized cities in March. Both new and second-hand houses in first-tier cities rose month-on-month. According to the first-hand housing data, Guangzhou, Beijing, Shanghai and Shenzhen rose by 1%, 0.2%, 0.3% and 0. 1% respectively. In terms of second-hand housing, Guangzhou, Beijing, Shanghai and Shenzhen increased by 1.4%, 1.4%, 1.65%, 438+0% and 0.4% respectively.
However, the transaction volume of the property market during the May 1 holiday was lower than expected. According to the statistics of the Central Plains Real Estate Research Center, during the "May 1" holiday, the transaction heat of the property market in most cities was not high. Since April, the nationwide property market regulation policies have been frequent. Regulation and upgrading, the property market cooled down. Among them, four days before the small holiday, 7 1 set, 72 sets, 33 sets and 44 sets of new commercial housing were sold in Shenzhen, while only 40 sets of new residential housing were sold in Beijing in the first four days. Up to now, Guangzhou, Hefei, Ningbo, Dongguan, Nantong, Chengdu, Xi 'an, Shenzhen, Shanghai, Beijing, Hangzhou, Wuxi and Nanchang have been interviewed and supervised by the Ministry of Housing and Urban-Rural Development.