1. Will personal housing loan interest rates rise?

Will they fall?

2. What is the upper limit for the rise of mortgage interest rates?

Although people Banks currently no longer set an upper limit on loan interest rates in commercial bank loan interest rate regulations. However, our country's laws also stipulate that more than four times the benchmark loan interest rate for the same period is not protected by law. Therefore, the upper limit is that the execution interest rate is not higher than the loan interest rate for the same period. Four times the benchmark interest rate, and the floating rate shall not exceed 300% of the benchmark loan interest rate for the same period. 1. The People's Bank of China has adjusted the upper limit of the floating range of deposit interest rates of financial institutions to 1.3 times since March 1, 2015: 1. 2. The People's Bank of China stipulates the floating range for loan interest rates of financial institutions: 1. The upper limit of the floating range of loan interest rates for commercial banks and urban credit cooperatives is expanded to 1.7 times the benchmark loan interest rate. 2. The upper limit for the floating range of loan interest rates for rural credit cooperatives is expanded to 1.7 times the benchmark loan interest rate. 2 times. Note: Unless the People's Bank of China adjusts the benchmark interest rate, the bank's adjustment of the bank's loan interest rate will not affect the interest rate of the previously signed loan contract. Extended information Loan interest for house purchase Bank loan interest rate: Interest rate item annual interest rate (%). If you need to estimate some daily interest when taking a loan, you can use annual interest rate/365 to convert into a daily interest rate. The repayment of equal principal and interest refers to repaying the principal and interest of the loan in equal amounts every month during the relevant loan period until the loan is settled. The total amount a home buyer pays each month is the same, but the proportion of interest and principal changes each time. Mortgage interest rate refers to a loan obtained from a bank using real estate. The interest on the loan must be paid according to the interest rate specified by the bank. Interest rate characteristics: Mortgage interest rates are uniformly stipulated by the People's Bank of China. For a loan obtained from a bank using real estate, the interest on the loan must be paid according to the interest rate specified by the bank. This interest rate is the mortgage interest rate. On June 7, 2012, the central bank issued an urgent document to all commercial banks, requiring commercial banks to maintain the lower limit of the floating range of personal housing loan interest rates at 0.7 times the benchmark interest rate. Commercial banks will implement new interest rates: From January 1, 2013, mortgage owners can reduce their pressure. However, each commercial bank can float within a certain range when implementing it. China's mortgage interest rates are not always constant, but change frequently. In the form that interest rates have been rising, we often compare the situation before and after the interest rate increase.

3. Have personal mortgage interest rates started to rise in many places?

Banks announced that starting from February 1, the mortgage interest rates for first homes will rise by 10%, and those for second homes will rise by 15%. Rong360 website monitoring shows that most of the mortgage interest rates have increased by 5%-15%.

In addition, data shows that the current mortgage interest rates for first-time buyers of the four major banks in Beijing have all increased by 5%. The first-home mortgage interest rates of 29 banks in Beijing monitored by the Rong360 website have increased by 5%, and 14 banks have increased by 10%. Bank of Jiangsu and Ping An Bank have shown that they have no quota; in Beijing, 0%-20%.

Among the other banks, there are 13 banks, two of which have raised the first-home mortgage interest rate by 120%. Among the 30 banks in Shanghai, 13 banks have raised their first-home mortgage interest rates, and 8 banks in Wuhan, Nanjing and other places have raised their first-home mortgage interest rates by 10%-20%.

Analysts said that mortgage interest rates in first-tier cities and popular second-tier cities may partially rise by about 15%, which could lead to a sharp rise in loan interest rates. Due to regulatory factors, non-rigid demand can no longer be implemented in first- and second-tier cities. For rigid demand, interest rates are at a reasonable level.