Reasons for the interest rate increase of the first home loan:

First of all, high housing prices have begun to highlight risks. Banks are at the forefront and are most sensitive to the real estate market. Raising interest rates is not to increase loan income, but to curb real estate speculation.

Because the policy of restricting real estate speculation is too obvious, even if more interest can be charged, banks will be worried about refusing to lend directly.

In such a sensitive period, Xinhua News Agency issued a document shouting: Stabilize real estate and strictly control it! The article points out that in practice, we should resolutely implement the policy orientation of "housing and not speculating".

More banks should join the suspension of loans.

Second, the floating interest rate of banks stems from the rising cost of bank funds and the rising price of interbank funds. In order to maintain a certain profit FTP pricing level, the mortgage interest rate can only be raised within a certain range. To put it bluntly, FTP pricing is too low, and the basic business of the bank is done for nothing, and there is no profit.

Third, the risks of banks themselves have increased. Not only because of the risk of real estate loans, banks invest in other large-scale infrastructure, and loans are used for enterprise development. With the further uncertainty or even deterioration of the economic environment, banks need to assess their own risks more subtly.

Fourth, the rapid rise in housing prices will make the real estate bubble grow continuously. When it bursts, it will certainly breed a wide range of bank bad debts, affect the financial system, and then affect the real economy, so that people's income will drop and the economy will be depressed. In this sense, curbing housing prices does reduce the harm of national economic operation, and at the same time, it is conducive to improving people's livelihood to a certain extent.

Extended data:

The impact of the increase in mortgage interest rate on buyers;

1. As long as the benchmark interest rate is not adjusted, the increase in mortgage interest rate has no effect on the loans already issued.

2. The loan interest is calculated according to the floating interest rate, and the interest is adjusted with the interest rate adjustment. Of course, no matter how it is calculated, it has no effect on the interest paid. Will have an impact on the adjusted interest. After the general bank interest rate adjustment, the interest rate of the outstanding part of the loan is also adjusted accordingly, which has three forms:

First, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year (ICBC, ABC and CCB are all like this);

The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment (such is the case with China bank mortgage);

Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment. The adjustment of the interest rate of provident fund loans is carried out every year 1 month 1 day.