The lower limit of the first home loan interest rate in over 40 cities broke 4%
The interest rates of first-home and second-home loans in first-and second-tier cities were the same as last month. The average interest rate of first-home loans in first-tier cities was 4.6%, and the average interest rate of second-home loans was 5. 13%. The first home loan interest rate in second-tier cities is 3.98%, and the second home loan interest rate is 4.9 1%.
Only the interest rates of the first home loan in Qingyuan and Zhongshan decreased, while the interest rates of the first and second home loans in other cities remained unchanged. The decline in the interest rate of the first home loan in the above two cities also led to a slight decline in the interest rate of the first home loan in the third-and fourth-tier cities to 3.98%, down 1BP from the previous month.
Under the dynamic adjustment mechanism of the first home loan interest rate policy, the first home loan interest rate is adjusted back, the second home loan interest rate remains unchanged, and the difference between the first home loan interest rate and the second home loan interest rate in 100 cities is widened to 9 1BP. Among them, the interest rate difference between the first and second home loans in 37 cities reached 100BP, and the demand for improving the second home loan was higher. At present, improving demand is the key support for market repair. It is suggested that the city should promote the release of the demand for secondary home improvement and appropriately reduce the interest rate of the second home loan.
In addition, according to the statistics released by the Central Reference Institute, since the beginning of this year, more than 40 cities across the country have adjusted the lower limit of the first home loan interest rate to exceed 4%. Among them, Zhaoqing, Zhanjiang, Yunfu, Huizhou and other cities canceled the lower limit of the first home loan interest rate, and the lowest interest rate of the first home loan in Zhuhai, Nanning, Liuzhou and Zhongshan has dropped to 3.7%.
The People's Bank of China authorized the National Interbank Funding Center to announce that the quoted interest rate (LPR) of the loan market was 1 year, 3.65%, and the LPR for five years or more was 4.3%, both of which were the same as last month. The average lending period of banks is 23 days, which is 2 days more than that in April, but it still maintains a relatively fast lending speed.
Mortgage has always been a "battleground" for banks, and some banks even said that if the materials are complete, they can lend money on the same day. "At present, the interest rate of the first home loan in Guangzhou is basically a unified 4.3%, that is, no points are added or subtracted on the basis of LPR. At present, the loan amount of banks in Guangzhou is sufficient, and the lending speed is very fast, all in days. After basically meeting the loan conditions, the loan procedures can be completed on the same day or within a few days. " The general manager of Dayuan Mortgage said in an interview with the reporter of Century Business Herald.
There are also signs of simplifying the loan procedures. A big bank said that "the down payment is more than 50%, and there is no running water; The loan amount is less than 6 million, free of running water; High-quality customers, such as civil servants, institutions, fortune 500 enterprises, etc. If the income certificate is insufficient, the lease contract/part-time income certificate can be superimposed; Income proof can be replaced by inquiry records such as provident fund, social security and tax payment; /kloc-the minimum down payment for students over 0/8 years old is 30%! Parents guarantee that their children do not need to provide bank running water; If the above conditions are not met, 30% of the financial assets deposited in the loan amount can be exempted from bank flow. "
Multi-site provident fund policy to send "gift package"
Many places have made suggestions for the active pan-real estate market, among which the adjustment strategy of provident fund is constant. Yinchuan proposed that real estate development enterprises and banks undertaking provident fund business should strongly support paid employees to use housing provident fund to directly pay the down payment for purchasing new commercial housing, so as to better meet the reasonable housing needs of paid employees.
Zhengzhou City began to implement the policy of "drawing provident fund to pay down payment". This policy is clear. Employees (including buyers, spouses and * * * owners) who intend to subscribe for newly-built pre-sale commercial housing in Zhongyuan District, Erqi District, Jinshui District, Guancheng Huizu District and Huiji District of Zhengzhou City and meet the conditions for withdrawing housing provident fund may entrust Zhengzhou Housing Provident Fund Management Center to pay the down payment in advance.
Just-needed groups who buy second-hand houses in Fuyang District, Hangzhou can also enjoy the housing provident fund as a down payment benefit. Fuyang Sub-center of Hangzhou Housing Provident Fund Management Center released a message that buyers who buy new and second-hand houses in Fuyang District can use the housing provident fund to pay the down payment. Previously, Shenzhen, Chaozhou and other places in Guangdong provided housing support policies for "families with many children" to alleviate their housing pressure. According to incomplete statistics, at least seven cities have recently introduced housing provident fund support policies for families with many children.
The research director of Yiju Research Institute said that the housing provident fund policies in various places have been continuously optimized, from the previous policy operations such as increasing the amount of provident fund to the new function of allowing the provident fund to pay the down payment.