Since the beginning of this year, it is not uncommon for mortgage interest rates to be lowered everywhere. Since March, the interest rate of the first home loan for second-hand houses in many places has been lowered to below 5%, and interest rates of 4.6% have begun to appear in some areas, which is the same as the LPR quotation for more than five years this month. In addition, a number of banks said that buyers have prepared all the information, and banks can generally complete the loan within 2 weeks after the approval is completed.
Yan Yuejin told the "Securities Daily" reporter that in the past, most loan interest rates still exceeded 5%. At present, the mortgage interest rate is the same as LPR, helping the market to pick up. From the perspective of buyers, this does have a great burden reduction effect on subsequent repayment. For banks, the current pace of lending really needs to be accelerated in order to truly reduce the cost of mortgage loans for customers.
Multi-site mortgage interest rate cut
According to the incomplete statistics of the "Securities Daily" reporter, since March, the mortgage interest rates in many places have been generally lowered. At present, the interest rate of second-hand housing first home loan has been less than 50% in Shanghai, Shenzhen, Harbin and Suzhou. The reporter consulted branches of several banks as buyers.
The staff of some state-owned banks in Harbin told the Securities Daily that since March 23, the interest rate of the first home loan for newly signed new houses and second-hand houses has been lowered from the previous 4.95% and 5.05% to 4.75% and 4.85% respectively.
At the same time, some stock banks also lowered the interest rate of second-hand housing first home loan from more than 5% a month ago to about 4.95% at present. According to the personal loan managers of some banks, whether you can get the lowest mortgage interest rate depends on your personal qualifications, mainly including your work unit, credit information and income. In addition, some banks explicitly require that loan customers need to go to the intermediary company designated by the bank to inspect the house in order to enjoy the minimum loan interest rate.
A staff member of a bank in Zhengzhou told reporters that the interest rate of the first home loan for second-hand houses has dropped below 5% recently. The reporter's investigation found that this year, Suzhou mortgage interest rate has been lowered several times. Since March, the lowest loan interest rate for the first suite of many banks in the region is the same as the LPR interest rate for more than five years. In first-tier cities, the interest rates of second-hand housing first home loans of many banks in Shenzhen and Shanghai are lower than 5%.
Li, chief researcher of the Guangdong Housing Policy Research Center, told the Securities Daily reporter that after the mortgage interest rate is linked to the system, not all urban mortgage interest rates are lowered according to the principle of city-specific policies. Only cities with obvious and expected decline in property market transactions, or cities with obvious interest rate increases in the previous period, need to lower the level.
According to RealData monitoring, the mortgage interest rate dropped the most since 20 19 in March, and the mortgage environment was relaxed. 103 cities, the mainstream interest rate of mortgage in 82 cities was lowered, and the interest rate of the first home loan in 20 cities including Suzhou, Shenzhen and Shanghai was lower than 5%.
Li believes that many cities will lower the mortgage interest rate in the future, but there will be no situation where the interest rate of the first home loan is lower. Since 2020, many cities have raised mortgage interest rates, and it is expected that most cities will cut interest rates in the future.
It is expected that the market will be further repaired in the second quarter.
The friendly credit environment has effectively promoted market transactions. Recently, the transaction volume of the second-hand housing market in some areas has rebounded. The recovery of the second-hand housing market has been confirmed by some real estate agents.
"At present, the relatively favorable mortgage interest rate in Suzhou has really attracted many buyers." A number of real estate agents in Suzhou told the Securities Daily that the number of customers looking at the house has increased significantly in recent days, especially those who just need and improve.
"Since this year, the second-hand housing market in Zhengzhou has shown signs of a slight recovery." The agent of a real estate company in Zhengzhou told the reporter that with the interest rate of second-hand housing loans in some banks lowered and lending accelerated, some interested buyers in the early stage recently began to take the initiative to contact the house.
According to the data of the Institute, since March (March 1 to March 17), the average daily transaction volume of second-hand houses in 50 cities monitored by the Institute has increased by about 17% compared with that in February (after the Spring Festival), and the weekly house price index has remained stable; The supply and demand activity of the second-hand housing market has also improved. The average daily level of new customers and newly listed houses in second-hand houses in Shell 50 City has increased compared with that in February (after the spring).
According to the statistics of research institutions, as of March 2 1, nearly 60 cities have optimized their property market regulation policies.
In this regard, Xu Xiaole told the "Securities Daily" reporter that under the framework of a sound macro policy, the housing credit environment has further warmed up, prompting the second-hand housing market to pick up. At present, market expectations are still weak, and demand-side confidence has not fully recovered. It is expected that the credit environment will remain friendly in the future, and local supportive regulatory policies will be further introduced to accurately guide the release of reasonable housing demand.
Yan Yuejin said, "It is expected that the real estate market will generally pick up in the second quarter of this year, and the market demand will obviously improve. The second quarter is also a very important key point for stabilizing economic growth in various places. "
What is the interest rate of Suzhou apartment loan?
Hello, the loan interest rate of Suzhou apartment is generally determined according to the loan term and loan amount, which is generally lower than the commercial loan interest rate. For example, the one-year loan interest rate can be controlled at 4.9%~5.9%, the three-year loan interest rate can be controlled at 5.6%~6.6%, and the five-year loan interest rate can be controlled at 6.2%~7.2%. The specific interest rate depends on the loan amount and loan term, which is possible.
What are the mortgage policies in Suzhou?
Suzhou is also one of the cities that implement the policy of restricting purchases and loans. If you want to buy a house in Suzhou, you need to know the local mortgage policy in addition to the relevant purchase policy. So what are the mortgage policies in Suzhou? Next, Bian Xiao will give a brief introduction.
1. According to Suzhou's latest mortgage policy, we apply for a commercial loan to buy the first house, and the minimum down payment ratio is 30%. If you apply for a provident fund loan to purchase the first house, and the residential area does not exceed 90 square meters, and the total house price is not higher than 165438+ ten thousand yuan, the minimum down payment ratio is 20%. Moreover, individuals apply for provident fund loans for the first time, with a maximum amount of 450,000 yuan. If it is the first time for a family to use provident fund loans, the maximum amount is 700,000 yuan.
2. If when we apply for a commercial loan to buy a house, there is no house in the family name but there is a loan record, or there is a house in the family name but there is no loan record, then the minimum down payment ratio is 50%. If we have a house in our name and the loan is not paid off, then the down payment ratio will be relatively high, and at least 80% down payment will be required.
3. If you apply for a provident fund loan to buy a house for the second time, the minimum down payment ratio is 50%, and the maximum loan amount will be adjusted accordingly. Individuals use provident fund loans for the second time, with a maximum amount of 300,000 yuan; Families use provident fund loans for the second time, with a maximum amount of 500,000 yuan. At present, Suzhou does not provide commercial loans for third homes.
4. The interest rate of the first home mortgage of the major banks in Suzhou is mostly the benchmark interest rate. Some banks have a 10% discount on the interest rate of the first suite, and some banks have a 15% discount on the interest rate of the first suite. The mortgage interest rate of second-hand houses is mostly 1. 1 times the benchmark interest rate. The specific mortgage interest rate is subject to the relevant regulations of the bank.
Bian Xiao concluded: What mortgage policies are there in Suzhou? Bian Xiao introduced it here. I hope everyone can understand Suzhou mortgage policy after reading this article. Before applying for a housing loan, you can learn about the relevant regulations of major banks on housing loans.
The interest rate for the first suite is 5.88%. Is it tall?
From 2065438 to June 2009, the average interest rate of the first home loan in China was 5.423%, and the interest rate of the first home loan was 5.88%. At present, the interest rate of commercial loans over five years is 4.9%, up 20%. It is indeed high in proportion, but whether it is actually high or not, I personally think it depends on the interest rate policy of home buyers. The average interest rate of the first home loan in China only represents the national average. Let me give you a simple example. So I think the key to judge whether the interest rate of the first suite is high or not depends on the local average interest rate.
In addition, it needs to be clear whether this suite is just needed or must be bought at this stage. If so, the interest rate will not affect your purchase decision. For example, when I bought my first house in 20 18, the local interest rate rose by 20%-45%, and you couldn't even find a loan bank with a loan of less than 30%, because the property you wanted to buy only cooperated with some banks, so you had no choice. So I think the common phenomenon at this time can't be compared with the previous benchmark interest rate, or even with the interest rate of previous years. If you just need to buy, you don't need to consider whether the interest rate is high or low.
The answer is: high.
Let's look at the benchmark interest rates for commercial loans and provident fund loans of banks:
Everyone's housing loans are generally more than five years, and the central bank's benchmark interest rate is 4.9%. At present, the national average floating rate is about 10%, that is, 4.9% 1. 1=5.39%.
If you buy the first suite, the mortgage interest rate is 5.88%, which is 20% higher than the benchmark interest rate and has exceeded the national average.
The mortgage interest rate policy of each city is different. For example, Shanghai is very low, the interest rate of the first suite can be lowered by 10%, and the interest rate is only 4.4 1%, while Beijing's average floating rate is 10%, which is 5.39%, and some cities are up by 20%, which is 5.88%.
A 20% increase is still relatively high in the country.
The interest rate of provident fund loans has not risen, 2.75% within five years and 3.25% over five years.
I think the national first home loan interest rate is likely to be lowered this year, from 20% to 10%- 15%, and from 10% to the benchmark interest rate or 5%. In this way, for new buyers, the loan interest rate will be reduced, and the monthly supply will also be reduced, but for those who have already bought a house, the mortgage interest rate will remain unchanged.
If the central bank cuts interest rates across the board, the loan interest rate of newly-built or purchased houses will drop, but this is unlikely.
I can tell you clearly that the mortgage interest rate of 5.88% is very high.
At present, the benchmark interest rate for housing provident fund loans is only 3.25%, and that for commercial housing loans is 4.9%. At present, the floating interest rate of housing loans in commercial banks is generally between 65,438+00% and 30%, and a 20% increase in mortgage interest rate means a 20% increase over the benchmark interest rate. For example, based on the current benchmark interest rate of commercial loans for more than five years of 4.90%, after the mortgage interest rate rises by 20%, the equivalent principal and interest are actually calculated at the discount rate of 4.90%( 120%)=5.88% or the monthly payment is calculated at the average capital. It is 2.6 points higher than the housing provident fund loan interest rate. Do you think it can be high?
Next, a loan of 6,543,800 yuan is used for housing, with a loan period of 30 years. It is convenient to look at the repayment amount required for housing provident fund and commercial loans with interest rate of 5.88%.
As can be seen from the figure, the 30-year interest of the provident fund loan is 566,700 yuan, and the monthly payment is 4,352 yuan. When the loan interest rate is adjusted to 5.88%, the total interest to be paid is1130,000 yuan, and the monthly payment is 59 18 yuan. Therefore, the interest calculation of commercial loans is based on provident fund loans.
If you are a wage earner, the commercial loan will be repaid more than the provident fund loan every month 1600 yuan, which is very stressful. Therefore, the commercial loan interest rate of 5.88% seems very high. If you have the opportunity to make a provident fund loan, you must make a provident fund loan. Compared with commercial loans, provident fund loans have the highest cost performance.
Of course, the provident fund policies in different places are different, which will limit the applicant's age, the duration of provident fund deposit and the amount of provident fund loans. It is suggested to inquire or consult the local provident fund management center in official website to find out the specific application process of your local housing provident fund.
Therefore, it is suggested that the first suite not only use commercial loans, but also use provident fund loans or mixed loans of provident fund and commercial loans to reduce the repayment pressure.
At present, the benchmark mortgage interest rate is 4.9%. If it reaches 5.88%, it means a 20% increase on the basis of the benchmark interest rate. Then let's take a look. Is it very high to raise the interest rate of the first suite by 20%?
According to the China Mortgage Market Report released by Rong 360 in July 2065438+2009, the average loan ratio of the first home in the province is 5.44%. Up 10% from the benchmark interest rate. However, the situation in each city is different.
Dalian, Suzhou, Hangzhou, Ningbo, Changsha and other cities have higher interest rates on first-home mortgages. Take Suzhou as an example. In July, the average loan interest rate of the first home in Suzhou was 6.03%, which was 23% higher than the benchmark interest rate.
On August 23, the news released by Phoenix. Many cities across the country raised the benchmark interest rate for the first home loan. Among them, it reported the loan situation of 18 banks in Hefei. The interest rate of the first suite will rise by 20%, and the interest rate of the second suite will rise by 30% 14. 12 banks will no longer make second-hand loans.
On August 9th, the central bank released the second quarter monetary policy implementation report of 20 19. The data shows that the weighted average interest rate of individual housing prices in June was 5.53%. Since July, mortgage interest rates of many hot opportunities have appeared obviously, and the pace is getting closer and closer.
However, some cities are below average. For example, Shanghai. In July, the average interest rate of the first home loan in Shanghai was 4.84%, and the average interest rate of the second home loan was 5.46%. The interest rate of the first home loan of 4.84% is almost the benchmark interest rate.
Looking at the whole country, the interest rate of 5.88% of the first home loan mentioned by the subject is indeed a bit high. In July, the national average first home loan interest rate was 5.44%. Although 5.44% is only 0.44 percentage point lower than 5.88%, the amount of mortgage is a large number, and there are still differences in repayment for decades.
Take the loan of 6,543,800 yuan, 30-year term and equal principal and interest as an example. 5.44% pay more than 5,600 yuan a month, 5.88% pay more than 5,900 yuan, close to 4,000 yuan a month, and exceed 65,438+million in 30 years.
Hello, friends!
Tall! It's a little high. At present, the benchmark mortgage interest rate is 4.9%. Generally, the first suite can enjoy some discounts. Now there may be no discount, but it will not rise by 20%. Let's analyze it.
First home loan interest rate
In the past, the first suite should have a preferential interest rate, but now it may be difficult to get a loan, so it is difficult to apply for a preferential interest rate for the first suite. Even if the preferential interest rate is not good to apply for, it is normal for the benchmark interest rate not to rise or to rise less.
The following table is the preferential interest rate table of RMB loans, from which we can see that the basic interest rate of commercial loans over five years is 4.9%, while the basic interest rate of provident fund loans over five years is 3.25%.
Generally speaking, at present, the loan must first use the provident fund loan. If the provident fund loan is not enough, commercial loans can be used, so portfolio loans are more appropriate. The loan interest rate can be appropriately reduced to better reduce the loan burden.
Now, even for commercial loans, the first home loan generally rises by about 5%, and the annual interest rate of 5. 145% is relatively normal. If the provident fund loan can be won at an annual interest rate of 3.25%, it is definitely very suitable. The average annual interest rate of this portfolio loan is 4.35%, which is calculated according to half of the provident fund loan and half of the commercial loan.
If the interest rate of the first home loan and portfolio loan is 4.35%, then it is a more appropriate loan interest rate.
The loan interest rate of 5.88% is a bit high.
The annual interest rate of your loan of 5.88% is really a bit high. You may not use the policy enough, for example, you may not apply for provident fund loans, you may not use the first suite policy enough, or there may be some problems in your career, income and credit information, resulting in such a high interest rate.
5.88% is 20% higher than the benchmark interest rate of 4.9%, and 5.88% is 4.35% higher than the above-mentioned normal portfolio loan interest rate 1.53%. In this way, if the loan lasts for 20 years, the interest paid will increase a lot.
If the total loan amount of * * * is 6,543.8+0,000 yuan and the loan term is 20 years, the monthly repayment will be 7,095.25 yuan, the total interest will be 702,800 yuan, and the total repayment will be 6,543.8+0.7028 million yuan.
The loan is 6,543,800 yuan, and the loan period is 20 years. If the annual interest rate of the portfolio loan is 4.35%, the monthly repayment amount is 624,585,438+0 yuan, the total interest is 499,000 yuan, and the total repayment amount is 654.38+0.499 million yuan.
It can be seen that the loan for 20 years is 6.5438+0 million, with an annual interest rate of 5.88% and a total interest of 702,800 yuan. The total interest with an annual interest rate of 4.35% is 499,000 yuan. The gap between the two is 203,800 yuan.
It can be seen that the gap between the two is still obvious, so the annual interest rate of 5.88% is indeed a bit high.
To sum up, the annual interest rate of 5.88% for the first suite is indeed a bit high. It is best to consider the provident fund portfolio loan first, and then make full use of the policy. If the annual interest rate is low, the interest paid will be low and your burden will be light.
Thanks for reading!
Everyone looks at this interest rate from different angles.
First, some people like to look at the long term, and they will look at it for 20 or 30 years.
In this way, 5.88% annual interest rate is not high. Back to 20 14, the mortgage interest rate has reached more than 6%. This interest rate is higher than 5.88%. Looking ahead, the interest rate is also very high, much higher than 5.88%.
In the next two or three decades, the annual interest rate may change at any time, and the interest rate will increase substantially.
Second, some people only look at things in recent years. They compared their eyes with the interest rate two years ago, and the interest rate was higher.
Because 5.88% is 20% higher than the benchmark interest rate of 4.9%. The mortgage interest rate two years ago was basically the benchmark interest rate. This is 98 basis points short.
What is the concept of 98 basis points? If you borrow 10,000 yuan, you have to pay 98 yuan more every year. Borrow1100,000, and pay back196,000 yuan in 20 years.
Thirdly, as a bank employee, I have another feeling.
I think the interest rate is not high, but the floating rate is relatively high. What can I say?
The benchmark interest rate of 4.9% multiplied by the floating interest rate of 20% yields an interest rate of 5.88%. The interest rate of undergraduate loans is not fixed. When the national benchmark interest rate changes, the loan interest rate will also change.
According to this calculation method, we compare the house slaves around 20 17 with those in 20 19 and treat them differently.
When the national benchmark interest rate changes, the interest rates of these two groups will change. But no matter how it changes, the interest rate of mortgage slave 20 19 is always 20% higher than 20 17. Because the former is floating by 20% and the latter is floating by 0. The floating ratio will not change, which makes people feel unbalanced.
Isn't that high?
From which angle will you look at this interest rate? Express your opinions and have a chat!
I approved it years later, 5.88.
Compared with the national average, it is high, depending on where it is. Huizhou, Guangdong, for example, is a bit low, especially when the benchmark interest rate of loans with a term of more than five years rose by 30% or 40% last year. This year, it has improved, and a 30% increase is also normal.
The intensity of housing regulation and control in each city is different from the amount of bank loans, and the mortgage interest rates of commercial banks are also very different, so it is impossible to generalize. It should be compared with the average loan interest rate of the city, not the whole country.
The benchmark interest rate for central bank loans over five years is 4.9%. If the loan interest rate is 5.88%, it will increase by 20%(5.88%/4.9%- 1) on the basis of the benchmark interest rate. According to the statistics of Rong 360, the average interest rate of the first home loan in China in 20 19 10 was 5.66% (up by 5.66%/4.9%-1=15.5%), which was 0.35% lower than that of last month (if the loan was made at the end of last year,
If compared with the average loan interest rate of the first home in China, it is 0.22% higher, but the distance is not big, which is normal. However, compared with the first-and second-tier cities, it is obviously higher, because according to Rong 360' s ranking of the cities with the lowest average interest rate of the first home loan in China, Shanghai ranks first (5.09%), Beijing ranks fourth (5.43%) and Guangzhou ranks tenth (5.55%).
Therefore, whether the mortgage interest rate is high or not depends mainly on which city, and it cannot be generalized because of the large difference in loan interest rates in different cities. Similarly, deposits are the same. The bigger the general city, the lower the deposit interest rate.
The interest rate of the first suite is 5.88%, which is very high.
As we know, the benchmark interest rate for bank loans with a term of more than five years is 4.9%, and 5.88% is equivalent to a 20% increase. 20 15, the property market is out of stock. In many places, mortgage interest rates are down, and it is not uncommon to get a 10% discount. The discount promotion of mortgage interest rate directly detonated the enthusiasm of buyers. By 18, house prices are rising with the progress of destocking. At this time, the mortgage interest rate has returned to the benchmark interest rate, and many places have risen by 20% or even 30%. The topic should be getting on the bus last year.
Recently, many cities across the country lowered the floating standard of mortgage interest rate. Among the first-tier cities, the lowest executable benchmark interest rate of the first suite interest rate of many banks in Shenzhen rose by 5%, and the loan conditions and lending speed were relaxed. The mortgage interest rates in Hangzhou, Ningbo, Qingdao and other regions have also declined to varying degrees.
Let's calculate an account. The loan has an equal principal and interest of 6,543.8+0,000 yuan, and the benchmark interest rate rises by 20%. The term is 30 years:
The monthly payment is 59 18.57 yuan, and the total interest is1130,000, which is more than the loan principal130,000.
If it rises by 10%, it will still be a loan 1 10,000, and the loan interest rate will be 5.39%. For 30 years:
The monthly payment is 5609.07, and the total interest is 10 19000 yuan.
By comparison, we can see that compared with the floating interest rate of 10%, the floating interest rate of 20% not only pays 309.5 yuan more per month, but also pays 1 1422 yuan more interest.
If the mortgage interest rate rises by more than 10 percentage point, it will become a great interest cost in twenty or thirty years, so the mortgage interest rate of 5.88% is already very high.
The downward adjustment of the floating standard of mortgage interest rate is good for the group that will buy a house, because the cost of buying a house is reduced. So can people who have already bought it like the subject enjoy this benefit?
Unfortunately, I can't. Usually, the loan interest rate of buyers is based on the benchmark interest rate on the day when the purchase contract is signed, and the bank will rise or fall on this basis. As long as the benchmark interest rate remains unchanged, the mortgage interest rate of buyers will not change.
The first home loan interest rate dropped to 4.4%! Some banks in Suzhou, Zhengzhou and Tianjin have been lowered.
On May 18, it was reported that the interest rate of the first home loan of some banks in Suzhou, Zhengzhou and Tianjin had dropped to 4.4%. In this regard, china securities journal reporters learned from many sources that the news is true.
Some banks have been downgraded.
The credit manager of a branch of the Agricultural Bank of China in Suzhou said, "At present, the interest rate of the first home commercial loan is still 4.6%, but the interest rate of the first home mortgage below 144 square meters can be implemented by 4.4%, which is the latest adjustment. The second home loan interest rate remained unchanged at 5.2%. "
The credit manager of a branch of the Postal Savings Bank in Suzhou said that the interest rate of the first home commercial loan is still 4.6%. If the first home loan has been settled, the interest rate of the second home loan is also 4.6%.
In addition, the credit managers of ICBC, CCB, BOC and Postal Savings Bank in Suzhou all said that the interest rates of the first and second home loans are still 4.6% and 5.2% respectively. A number of credit managers said that the current mortgage amount is sufficient, and the loan can be released within one week after the formalities are complete.
There are also bank credit managers in Suzhou who believe that the mortgage interest rate will drop rapidly. "We are also waiting for the notice, and we can consult again next week."
The staff of Tianjin Merchants Bank said that this week, the interest rate of the first home loan dropped from 4.9% to 4.4%, and the interest rate of the second home loan remained unchanged at 5.2%. Regarding whether you can apply for a mortgage interest rate of 4.4%, the staff said that the new house mainly depends on the cooperative relationship between the developer and China Merchants Bank, and the second-hand house mainly depends on whether it is the cooperative intermediary of China Merchants Bank. In terms of personal qualifications, as long as you have the ability to repay, you can generally apply.
The credit manager of Tianjin Agricultural Bank said that according to the regulations, the interest rate of the first home loan should not be lower than 4.4%, but commercial banks will set standards according to the situation. At present, we haven't received the notice from the superior bank.
The credit manager of Tianjin Construction Bank said that there is no specific notice on the adjustment of mortgage interest rate at present, and it is recommended to consult again once a week or so.
Regarding the mortgage interest rate in Zhengzhou, Ke Holdings Inc, an account manager in Zhengzhou, told china securities journal, "At present, commercial banks in Zhengzhou have been able to achieve a minimum of 4.4%, but there is no red tape at present, so we advise customers to look at the house first and choose a bank with a lower interest rate during the loan process. In terms of new houses, the loan interest rates negotiated by developers and banks are not the same. "
"The lowest loan interest rate approved by a customer recently is 4.5%. Customers have good credit information, strong repayment ability and small house area. " The staff of the above-mentioned Zhengzhou Branch Holding Company told china securities journal that "before this, the interest rate of Zhengzhou's first home loan was generally around 4.7%."
In addition, the account manager of Huaxia Bank in Zhengzhou told the reporter that the current loan interest rate of 4.4% for the first suite has nothing to do with the qualifications of developers and intermediaries. The second-hand housing loan interest rate remained unchanged at 5.2%.
Conducive to just entering the market
A few days ago, the People's Bank of China and the China Banking Regulatory Commission issued the Notice on Relevant Issues Concerning the Adjustment of Differentiated Housing Credit Policies (hereinafter referred to as the Notice), proposing that the lower limit of the first set of commercial personal housing loan interest rate should be adjusted to not less than the loan market quoted rate (LPR) of the corresponding term minus 20 basis points, and the lower limit of the second set of commercial personal housing loan interest rate policy should be implemented according to the current regulations.
On April 20th, the People's Bank of China authorized the National Interbank Funding Center to issue a new LPR, showing that the LPR for 1 year was 3.70%, and that for 5 years and above was 4.60%. According to the requirements of the Notice, after adjustment, the lower limit of the interest rate of the first commercial personal housing loan is 4.4%.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, told china securities journal that low transaction volume and low demand for mortgage loans are the main reasons for the downward adjustment of mortgage interest rates in these cities. Judging from the impact, the "price reduction" of new loans is indeed beneficial to the just-needed market entry.
Chen Wenjing, director of market research of the Index Division of the Central Reference Institute, said that after the adjustment of the national unified lower limit, the room for lowering the mortgage interest rate will be further opened, and it is expected that all localities will adjust the mortgage interest rate according to the local actual situation, so as to reduce the cost of home ownership and increase the willingness to buy a home. It is expected that in the future, more cities will lower the mortgage interest rate to the minimum requirement to promote the release of housing demand, and the hot city market is expected to gradually stabilize and rebound.
Stock first home loan interest rate
First home loan interest rate. The interest rate of the first home loan is lower than 4. 1% ""What about the existing mortgage interest rate? "In the case that the interest rate of existing home loans has been lowered again and again, the owners of existing home loans are" standing guard at a high level ".Can the increase in interest rates be lowered? After buying a house in Kunshan for 202 1. 1.00, Jiangsu property buyers can apply for the first home loan in a big state-owned bank with a loan amount of 1.2 million yuan and a term of 30 years. Three months later, the interest rate of the first home loan in Suzhou was lowered to below 5%. With the downward adjustment of LPR and the relaxation of mortgage policy, the interest rate of prime Bank's first home loan dropped to 4. 1%. This meaning