Before the holiday, the central bank and other departments repeatedly said that they should "safeguard the legitimate rights and interests of housing consumers", which encouraged consumers who just needed it. At the same time, bank mortgage interest rates in some areas showed signs of downward adjustment, and the speed of lending also accelerated.

There are signs of relaxation of mortgage interest rates in many places.

According to the data of Ke Rui Real Estate, the average interest rate of the first home loan in September this year was 5.46%, up 23 basis points from the end of last year. The average interest rate of second-home loans was 5.83%, up 29 basis points from the end of last year.

Although the national mortgage interest rate is still on the rise, in some areas, the reverse signal of the game between banks and the market is emerging. According to the survey statistics of Worry-Free Housing Search Platform, some state-owned banks and joint-stock banks in Guangzhou and Foshan have lowered their mortgage interest rates.

In Guangzhou, the mortgage interest rates of China Bank, Agricultural Bank, Guangzhou Bank, China Merchants Bank and China Everbright Bank. Compared with the past, the interest rate of the first suite of China Everbright Bank has dropped to 5.60%, the interest rate of the first suite of Guangzhou Bank has dropped to 5.45%, and the interest rate of the second suite has dropped to 5.65%.

It can also be seen from the data that there are still differences among banks in lowering the mortgage interest rate, and some banks slightly raised the mortgage interest rate in September.

In Foshan, there is also a reduction in bank mortgage interest rates. Among the eight local tier-one banks, the mortgage interest rates of China Construction Bank and Agricultural Bank have been lowered, and the first and second suites of Agricultural Bank have fallen sharply, both of which are 20BP. However, the mortgage interest rates of the three banks of prime bank remained unchanged, and two banks raised them.

This phenomenon is enough to surprise just-needed buyers. You know, in the first eight months of this year, many banks in Guangzhou raised their mortgage interest rates five times, making Guangzhou undoubtedly the city with the highest loan interest rate among first-tier cities.

Bank lending accelerated.

In addition to the loose trend of mortgage interest rate, another good news is that some customers said that the time for queuing payment has been shortened.

"Recently, some banks have accelerated lending to customers who buy first-hand houses, and they have lent money in two months." A real estate agent told reporters that this phenomenon happened in Guangzhou.

Li, chief researcher of Guangdong Housing Policy Research Center, said that at present, loans for both new and second-hand houses have been tightened, and loans for second-hand houses in many banks have even stopped, which has hindered the release of improved demand for "selling one and buying one", leading to a rapid decline in the transaction volume of the property market, leading to a decline in the price of second-hand houses, and the market may fluctuate greatly or substantially. Such a financial policy violates the need to prevent "accidental injury", the financial resources to promote prosperity, and the basic requirements of the property market policy to prevent "one size fits all". It may cause a sharp decline in the market, which is not conducive to "three stabilities".

For the prediction of future mortgage policy, he said that the solution of the property market problem should be based on the medium and long term, and it cannot be won in one battle. To keep the property market stable and support reasonable demand, financial resources must keep up. Therefore, the central bank's proposal of "safeguarding the legitimate rights and interests of housing consumers" means that the demand for first-time home purchase and "selling one and buying one" will increase in the future, the lending cycle will be shortened, and the probability of raising interest rates again is not great.

"At present, the mortgage interest rate of Guangzhou mortgage has begun to decline, which is a signal. Therefore, for hot cities, the decline in the fourth quarter may narrow and slow down. " Li said to him.

Policy warm wind blows frequently

Before the festival, the Monetary Policy Committee of the People's Bank of China held its 94th regular meeting in the third quarter of 2002/KLOC-0. There is no obvious change in the economic and financial situation and monetary policy stance at home and abroad, but it is pointed out that it is necessary to "maintain the healthy development of the real estate market and safeguard the legitimate rights and interests of housing consumers."

The formulation of the real estate market by the Monetary Policy Committee is considered as an important signal to boost the real estate industry.

On September 29th, China People's Bank and China Banking Regulatory Commission jointly held a real estate finance forum. The meeting was presided over by Yi Gang, Governor of China People's Bank, attended by Pan, Vice Governor of China People's Bank, Xiao, Vice Chairman of China Banking Regulatory Commission, heads of relevant departments of the Ministry of Housing and Urban-Rural Development, China Securities Regulatory Commission and heads of 24 major banks in China.

The meeting demanded that financial institutions should follow the principles of rule of law and marketization, and cooperate with relevant departments and local governments to maintain the stable and healthy development of the real estate market and safeguard the legitimate rights and interests of housing consumers.

Yan Yuejin, research director of the think tank center of the research institute, believes that "safeguarding the legitimate rights and interests of housing consumers" has two meanings:

First, after the normal purchase contract is signed, the credit should be followed up in time. This situation is very obvious recently. After the tightening of credit policies in various places, some in-transit transaction contracts were affected, and the credit approval was not timely, which led to the damage of the legitimate rights and interests of buying houses, which was related to the tight loan amount.

Second, in view of the recent debt problems of housing enterprises, the real estate may be unfinished, so it is unfair to the buyers to ensure timely delivery, otherwise it is unfair to bear the risk of unfinished business while repaying the loan. Therefore, housing enterprises are required to ensure that houses are completed and delivered on time and protect the legitimate rights and interests of mortgage buyers.

Li said that real estate financial regulation should be correctly understood. From 2065438 to February 2009, Yi Gang, the governor of the central bank, emphasized that "counter-cyclical regulation of real estate financing" is helpful for us to understand the management system of "three red lines" and "loan concentration", but these real estate financial regulations do not mean tightening real estate finance, but pursuing dynamic stability. If the land market and leverage go up too fast, the policy will be tightened and the optimization policy will be improved. Li believes that there is no room for further tightening of environmental protection real estate finance.