As the "depression" of the national mortgage interest rate, what is the situation in Shanghai?
The reporter learned from people close to the central bank that the current mortgage interest rate in Shanghai is initially that the first set of personal housing loan interest rate is not lower than the LPR minus 20 basis points in the same period, and the second set of personal housing loan interest rate is not lower than the LPR plus 60 basis points in the same period.
The source also said that after the reform of the pricing mechanism, the interest rate of individual housing loans in Shanghai has remained basically stable compared with that before the reform, which is based on the regulation principle of "one city, one policy, one city" and the overall trend of "stable quantity and stable price" in the current Shanghai real estate market, and it is also the reform requirement of "ensuring the smooth and orderly transformation of pricing benchmarks and keeping the interest rate of individual housing loans basically stable".
In this way, the lowest interest rate for buying the first suite in Shanghai is still discounted, 4.65%, which is basically the same as the original interest rate of 4.655% with a slight decrease. The lowest interest rate for the second suite is 5.45%, which is a little higher than the original interest rate.
Judging from the specific implementation of various banks, state-owned banks may be close to the lowest interest rate, and some joint-stock banks have indicated that they will implement the benchmark interest rate of 4.85%.
"This phenomenon will not last long. This should be an expedient measure for a smooth transition. " A number of bankers told reporters that the New Deal did not bring too much impact and influence to the bank's personal mortgage business, and the adjusted personal mortgage interest rate will not rise or fall significantly, which can be said to be a smooth transition.