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.