The trainee reporter of Economic Observer Network paid: "Every period is different. When it was high before, the interest rate of the first home loan reached 5.88%, even more than 6 o'clock, and now it is the lowest in the past three years. " On February 23, a personal loan manager of a commercial bank in Shenzhen told the Economic Observer.
On February 2 1 day, many state-owned banks in Guangzhou simultaneously lowered their mortgage interest rates. In fact, many banks in Shenzhen lowered the interest rate of the first home loan from 45BP to 30BP on June 2nd1. At present, the mainstream mortgage interest rate in Shenzhen market is 4.9%(LPR30BP) for the first set and 5.2%(LPR60BP) for the second set.
Among the four major banks, China Bank, Industrial and Commercial Bank, Agricultural Bank, Postal Savings Bank, China Merchants Bank, Ping An Bank, Jiangsu Bank and many other commercial banks have implemented this policy.
A staff member of a branch of Agricultural Bank of China in Shenzhen told Economic Observer Network that around 65438+1October 20th, Agricultural Bank of China had lowered the interest rate of the first home loan in Shenzhen to 4.9%, that is, it took the lead among the four major banks, but it was not announced to the market. She added: "All interest rates follow the market, and we also adjust with the Shenzhen market."
In addition, relevant staff of Bank of China and Shenzhen Branch of Industrial and Commercial Bank of China revealed that their adjustment time was shortly before the Lunar New Year, that is, at the end of 1. Small and medium-sized commercial banks adjusted earlier, and some of them were lowered at the beginning of this year 1 even at the end of last year.
So far, among the four first-tier cities, Shenzhen has the lowest mortgage interest rate.
According to the report of Economic Observer Network, after many banks in Guangzhou lowered their mortgage interest rates at 2 1 simultaneously, the interest rate of the first home loan was not less than 5.4%(LPR80BP) and the interest rate of the second home loan was not less than 5.6% (LPR 100 BP). On the basis of the LPR reduction in June 5438+ 10, the interest rates of the first and second sets of mainstream mortgages in Beijing are 5. 15% and 5.65% respectively, while those in Shanghai are 4.95% and 5.65%.
In fact, from June 2020 to April 20021year, the mainstream mortgage interest rate in Shenzhen remained at 4.95%, with an increase of 30BP. However, in May last year, major banks successively raised the mortgage interest rate for the first home from 15BP to 5. 1%, and for the second home from 35BP to 5.6%.
However, this year's downward adjustment will increase some LPR for more than five years, making the mainstream loan interest rate of the first home in Shenzhen as low as 4.9%. A number of individual loan managers told the Economic Observer that the interest rate of 4.9% was the lowest in many years.
Li, chief researcher of Guangdong Housing Policy Research Center, said that the dominant principle of interest rate adjustment in recent places is countercyclical adjustment, that is, through financial means and transaction volume. On the other hand, Shenzhen's real estate transaction volume hit a new low, so the demand for mortgage loans also declined. In the case of oversupply, the interest rate, that is, the price of funds, will also fall.
According to the data of Leyoujia Research Center, in 20021year, the turnover of second-hand houses in Shenzhen was 4 1 10,000 sets, which was 57% lower than that in 2020, hitting a ten-year low. According to the data of the National Bureau of Statistics, the price of second-hand houses in Shenzhen fell by 0.5% in June 5438+ 10, and the decline has lasted for 9 months.
What is the latest loan interest rate in Shenzhen?
The latest mortgage interest rate in Shenzhen will fluctuate according to the benchmark interest rate set by the central bank.
The benchmark interest rates determined by the central bank are as follows:
1. Within one year, the benchmark interest rate of commercial loans is 4.35%.
2. Within one to five years, the benchmark interest rate for commercial loans will be 4.75%.
3. For more than five years, the benchmark interest rate of commercial loans is 4.90%.
4. For less than five years, the benchmark interest rate for provident fund loans is 2.75%.
5. For more than five years, the benchmark interest rate for provident fund loans is 3.25%.
What's the interest rate for bank loans now?
As of June 2020, the latest benchmark interest rate of bank loans: 10 to June (including June), the annual interest rate of loans is 4.35%, from June to 1 year (including 1 year) is 4.35%, and from June to 1-3 years (including 3 years).
If the bank applies for a loan, the bank will adjust the interest rate according to the applicant's qualification. When many users apply for bank loans, they will find that the interest rate they apply for is much lower than that of many people.
This also shows that the applicant may have good qualifications, good credit or high income, so the bank is more assured to lend. And some banks do have higher loan interest rates. For example, the long-term loan interest rate of SDB will be as high as 6.4%.
Extended data
1. Pay attention to the loan term.
Not everyone can borrow it for 30 years. As we all know, when applying for a loan, the lender needs to meet the conditions that the loan term and the actual age should not exceed 65. If the lender is 45, the longest loan period can only be 20 years.
2, the correct use of provident fund
Never use up all the money in the provident fund, leave some balance. If there is no balance in the provident fund account, there is no way to apply for a provident fund loan.
3. A stable job is very important.
Never resign immediately after you decide to buy a house. When banks apply for loans, a stable source of income for borrowers plays an important role. Because you don't come to work, the bank will judge that you have no repayment ability, which will affect the loan progress.
Loan interest rates of major banks
The bank's loan interest rate is 4.35% within one year (inclusive) and 4.9% for loans over five years. Mortgage interest rate is the default floating interest rate, that is, the interest rate calculated based on LPR and the basis point is the final mortgage interest rate. LPR will change. The interest rate of LPR in June 2020 165438+ 10 is 3.85% for one year; The five-year period is 4.65%.
Extended data:
Bank mortgage interest is generally calculated according to the benchmark interest rate of the central bank, and different banks have different floating standards; Take the mortgage interest rate of Shenzhen Commercial Bank as an example:
1. Bank of China, Industry, Agriculture, Construction, Zhao Zhao and Beijing: the interest rate of the first suite rises 10% (5.39% for five years or more), and the interest rate of the second suite rises 15% (5.635% for five years or more);
2. Bank of Communications: the interest rate of the first suite rises 15% (5.635% for more than five years), and that of the second suite rises by 20% (5.88% for more than five years);
3. Industrial Bank: the interest rate of the first suite rises 15% (5.635% for more than five years), and the interest rate of the second suite rises by 40% (6.86% for more than five years).