On June 10, the national mortgage monitoring data released by an institution showed that the average interest rate of the first home loan in June was 5.64%, which was equivalent to the benchmark interest rate 1. 15 1 times, which was 0.7/kloc-0 compared with May-20/7.
Among the 35 monitored cities, the lowest average interest rate of the first home loan is still in Shanghai, and Harbin, Zhengzhou, Wuhan and Dongguan have all exceeded 6%.
After calculating an account, according to the latest national average interest rate of the first home loan of 5.64%, the loan of 6,543,800 yuan and 30-year equal repayment of principal and interest, the total interest paid is about 6,543,800 yuan, which is 6,543,800 yuan more than the accumulated interest in the same period last year. Analysts suggest that just-needed buyers should fully understand the bank mortgage policy, make a good budget and live within their means.
The interest rate of the first home loan rose by over 15%.
The four major banks are all floating.
According to the monitoring data, the average interest rate of the first home loan in China from 2065438 to June 2008 was 5.64%, which was equivalent to the benchmark interest rate 1. 15 1 times, up 0.7 1% compared with May and up15 compared with last June.
At present, the normal interest rate relaxation of banks in China is mainly based on benchmark floating, and the specific floating level is different according to individual qualifications and banks.
Specifically, among the branches (branches) of 533 banks nationwide in June, 169 banks raised the first set of benchmark interest rates by10%; 164 the first benchmark interest rate of the bank went up15%; 1 16 The first benchmark interest rate of the bank rose by 20%; The first benchmark interest rate of 25 banks rose by 25%; 16 The first set of benchmark interest rates of banks rose by 30%, and the number of banks whose benchmark interest rates rose by 20% or more this month increased.
In June, the lowest first home loan interest rate of major banks was10.088 times of the benchmark. The first home loan interest rates of four state-owned banks, namely Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, have risen by 15.2% compared with the benchmark interest rate.
The first set of interest rates in first-tier cities remained stable.
Four cities exceeded 6%, surpassing Guangzhou, Guangzhou and Shenzhen.
In June, the average interest rate of the first home loan in China still maintained an upward trend, the first-tier cities remained basically stable, and the overall interest rate increase in second-tier cities showed a downward trend.
In June, the average interest rate of the first suite in the first-tier cities in the north, Guangzhou and Shenzhen remained stable, ranging from 5. 16% to 5.57%, which was 5.47% in Beijing, 5. 16% in Shanghai, 5.57% in Guangzhou and 5.5 1% in Shenzhen, all slightly higher than last month.
Taking Beijing as an example, among the 30 banks tested, the benchmark of 22 banks including China Merchants Bank and Industrial Bank rose by 10%. The implementation benchmark of the four major banks of workers and peasants and Shanghai Pudong Development Bank rose15%; The implementation benchmarks of China Everbright Bank and Bank of East Asia rose by 20%. Only one bank stopped lending.
It is worth mentioning that at present, only some banks in Shanghai can still apply for the preferential interest rate of the first home loan, and six banks can apply for the preferential interest rate of 9-9.6 fold.
In addition, there are four cities where the interest rate of the first suite exceeds 6%, and Dongguan ranks first in the country with 6. 13%, followed by Wuhan with 6.06%, Zhengzhou with 6.03% and Harbin with 6.00%.
Just need the attention of family! Mortgage interest rates may continue to rise.
? People have noticed that since last year, the local real estate market regulation policy has been continuously upgraded, especially this year. In June, the regulation policies of the property market were still introduced one after another, and Xi 'an, Changsha, Hangzhou and other places also proposed "purchase restriction" measures for enterprises and institutions to curb the excessive rise in housing prices. The chief analyst of a research institution pointed out to Securities Daily that since the beginning of this year, the relevant real estate market regulation policies have been issued nearly 200 times throughout the country.
Experts predict that the real estate market regulation will be further expanded and tightened in the second half of the year. Real estate will become an important place for people's livelihood and a forbidden place for speculation. Bad real estate enterprises and related industries will face greater survival crisis in early winter.
For property buyers, the interest rate of the first home loan has risen by over 15% a year, and the repayment pressure is still great. Will the mortgage interest rate increase in the future? According to the analysis of an institution, in the future, the overall mortgage interest rate will continue to rise without major changes in the overall economic situation, and the interest rate difference between the first and second sets will tend to be stable after narrowing.