Has the mortgage interest rate in Beijing changed this year? Many residents in Beijing are more concerned about this problem. The following small series will introduce the content of Beijing mortgage interest rate change 20 19. Unclear users come and find out!

On August 25th, the People's Bank of China announced today to adjust the interest rate of new commercial personal housing loans. Unlike the previous mortgage interest rate linked to the benchmark interest rate in Otawa.

The announcement pointed out that since 20 19, 19 10/8, the market quotation price (LPR) of the loan for the corresponding period of nearly 1 month has been added as the pricing benchmark, forming a new commercial personal housing loan interest rate.

The new commercial personal housing loan interest rate is formed by adding the LPR with the corresponding term of nearly one month as the pricing benchmark. The interest rate of the first set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding term loan market, and the interest rate of the second set of commercial personal housing loans shall not be lower than the quoted interest rate of the corresponding term loan market plus 60 basis points.

The loan interest rate for purchasing commercial housing shall not be lower than the loan market interest rate plus 60 basis points in the same period. The interest rate policy of provident fund personal housing loan will not be adjusted for the time being.

At present, there are two kinds of LPR: 1 year and more than 5 years. Personal housing loan interest rate 1 year and more than 5 years have a direct corresponding benchmark. Individual housing loan interest rate benchmark 1 year and 1 year to 5 years can be independently selected by the lending bank between the two term varieties. After the reference benchmark is determined, the added value can be adjusted to reflect the term spread coefficient.