About 20 days ago, a number of banks in Hangzhou just raised the mortgage interest rate. The interest rate of the first suite was raised from 5.2% to 5.4%, and the interest rate of the second suite was raised from 5.38% to 5.5%.
Recently, mortgage interest rates in hot cities such as Guangzhou, Shenzhen, Ningbo and Hangzhou have increased. What is the signal?
Many banks in Hangzhou raised mortgage interest rates.
The reporter found that the mortgage interest rates of ABC, ICBC and CCB have all been raised.
An account manager of Hangzhou Branch of Agricultural Bank of China said that from June 10, the interest rate of the first home loan was 5.6%, and the interest rate of the second home loan was 5.7%.
An account manager of CCB Hangzhou Branch said that the bank's mortgage lending is very slow at present. Take the house in Qianjiang New Town as an example, customers have to wait at least two months. In addition, the account managers of joint-stock banks and city commercial banks such as Industrial Bank and Hangzhou Bank also told reporters that the bank's mortgage interest rate has been raised.
However, many banks have not adjusted the mortgage interest rate. Employees of China Merchants Bank and Hangzhou Branch of China Everbright Bank said that they had not received the notice that the mortgage interest rate should be raised.
An account manager of Bank of Communications Zhejiang Branch said that at present, the bank has not adjusted the mortgage interest rate, but there may be fine-tuning in the specific implementation.
Hot cities have been raised.
It is worth noting that since May, mortgage interest rates in Guangzhou, Ningbo, Shenzhen, Hangzhou and other hot cities have risen. Among them, the local mortgage interest rate in Hangzhou has been raised twice in a row. Nearly 20 days ago, many banks in Hangzhou just raised the interest rate of the first home loan from 5.2% to 5.4%, and the interest rate of the second home loan from 5.38% to 5.5%.
According to industry insiders, the intensive adjustment of mortgage interest rates in hot cities is related to the tightening of bank mortgage quotas and the rising cost of social capital.
"First, the real estate transactions in these cities are still active, and the transaction volume has increased substantially year-on-year, which makes the mortgage quotas of most banks tight, overlapping the red line of bank mortgage concentration, and it has become a trend for banks to raise interest rates. Second, the cost of social capital has risen. Compared with 2020, the recent market interest rate has gradually returned to normal. In addition, from the time point of view, June and 65438+February of each year are the time points when interest rates rise significantly. " Zhang Dawei, chief analyst of Zhongyuan Real Estate, said.
Zhang Dawei revealed that taking Hangzhou as an example, as of May 28th, the total number of commercial housing transactions in Hangzhou in May this year was 35,936, setting a new high for commercial housing transactions in Hangzhou in the past decade. Some insiders also said that the bank's monitoring of operating loans is also obvious recently, which makes the previous off-balance-sheet loans return to the table and the mortgage quota is tight.
Mortgage interest rates in some cities may be raised.
How will the future mortgage interest rate go?
Experts said that as far as the current situation is concerned, in cities with active real estate transactions, mortgage interest rates may be raised.
According to the monitoring data of mortgage interest rates in 42 key cities in China by Rong 360 Data Research Institute, the overall level of mortgage interest rates in China began to stop falling and turn up in 20021year. In May, 20021year (the data collection period is from April 20th to1May 8th), the average interest rate of the first home loan in China is 5.33%, which is1/basis point higher than the end of 2020; The average interest rate of the second home loan is 5.6 1%, which is 8 basis points higher than the end of 2020. Since February, the mortgage interest rate has risen for four consecutive months.
"Next, in hot cities where house prices are rising rapidly or in areas where mortgage interest rates are relatively low, a slight increase in mortgage interest rates may become a trend." Dong Ximiao, chief researcher of Zhilian Finance, said.
Editor: Zheng Yashuo