Huaian 202 1 government regulation of mortgage interest rate. At present, the commercial loan interest rate for purchasing commercial housing in this city is 4.9%, and the provident fund loan interest rate is 3.25%.

Central Bank and China Banking Regulatory Commission: The interest rate of the first home commercial loan is lowered by 20 basis points compared with LPR.

On May 15, according to official website news, the People's Bank of China, the People's Bank of China and the Insurance Regulatory Commission of the Bank of China today issued notices on issues related to the adjustment of differentiated housing credit policies.

As mentioned in the notice, in order to adhere to the positioning that houses are used for living, not for speculation, fully implement the long-term real estate mechanism, support local governments to improve real estate policies according to local conditions, support rigid and improved housing demand, and promote the stable and healthy development of the real estate market, in accordance with the relevant arrangements of the State Council, the relevant matters concerning differentiated housing credit policies are hereby notified as follows:

1. For households who purchase ordinary self-occupied housing by loans, the lower limit of the interest rate of the first set of commercial personal housing loans is adjusted to not less than the quoted interest rate in the loan market for the same period minus 20 basis points, and the lower limit of the interest rate policy of the second set of commercial personal housing loans is implemented according to the existing regulations.

Second, on the basis of unifying the lower limit of the loan interest rate nationwide, the People's Bank of China and the agencies dispatched by the China Banking Regulatory Commission guide the self-discipline mechanism of interest rate pricing in provincial markets in accordance with the principle of "making policies according to the city", and independently determine the lower limit of the interest rate of the first and second sets of commercial personal housing loans in cities within their jurisdiction according to the changes in the real estate market situation of each city and the regulatory requirements of the city government.

At least 10 urban first home loan interest rate has entered the "3 era"

The interest rate of the first home loan has entered the "3 era".

10 year 10 On October 20th, the People's Bank of China authorized the National Interbank Funding Center to announce that the LPR of 1 year was 3.65%, and that of 5 years and above was 4.3%, which were the same as last month. Since the interest rate cut in August, the quoted interest rate (LPR) in the loan market has remained unchanged for two consecutive months.

Judging from the extended timeline, the five-year LPR has been lowered three times this year, with a cumulative reduction of 35 basis points. The lower limit of the first home loan interest rate has been reduced to 4. 1%, and the lower limit of the second home loan interest rate is 4.9%.

Although the quoted interest rate (LPR) of the loan market remained unchanged in June 5438+ 10, the interest rate of the first home loan in some specific cities is being further lowered, and the interest rate of the first home loan in cities exceeding 10 has entered the "3 era".

The mainstream first home loan interest rate in key cities is 4. 12%.

Specifically, according to the regulations, the interest rate of the first set of new personal housing loans shall not be lower than the corresponding term LPR (LPR was 4.3% for more than 5 years on June 20, 65438); The interest rate of the second set of personal housing loans shall not be lower than the LPR plus 60 basis points in the same period (calculated by LPR of 4.9% for more than 5 years on 20 October 2008/KLOC-0).

According to the Notice of the People's Bank of China and the Insurance Regulatory Commission of the Bank of China on May 15 this year, the lower limit of the interest rate of the first home commercial personal housing loan was adjusted to not less than the quoted interest rate of the loan market in the same period minus 20 basis points, so the lower limit of the interest rate of the first home loan in various places was 4. 1%.

According to the report on mainstream mortgage interest rates in key cities released by RealData, in June 2022, the mainstream first home loan interest rate in 103 key cities was 4. 12%, down 3 basis points from last month, and the second home loan interest rate was 4.9 1%, which was the same as last month. The average lending period this month is 26 days, and the overall lending speed is relatively fast.

At least 10 city's first home loan interest rate has dropped to 3 prefixes.

On September 29th this year, the People's Bank of China and the China Banking Regulatory Commission issued a notice, deciding to adjust the differentiated housing credit policy by stages, making it clear that eligible city governments can independently decide to maintain, reduce or cancel the lower limit of the interest rate of the first home loan newly issued locally before the end of 2022.

This also means that the lower limit of the first home loan interest rate can exceed 4. 1%.

However, in the eyes of the industry, the central bank has made it clear that only cities with low housing prices can use the above tools, that is, cities with weak real estate markets. According to the requirements, the cities that are allowed to lower the interest rate of the first set of newly issued housing loans are mainly aimed at cities where the sales price of new commercial housing has been declining from June to August 2022.

According to the data provided by the think tank center of the Research Institute, at least 23 of the 70 large and medium-sized cities of the National Bureau of Statistics meet the requirements of the New Deal of the Central Bank, including Harbin, Lanzhou, Wuhan, Dalian, Tianjin, Shijiazhuang, Kunming, Guiyang, Quanzhou, Wenzhou, Luzhou, Yueyang, Yichang, Beihai, Dali, Qinhuangdao, Zhanjiang, Baotou, Anqing, Jining, Changde, Xiangyang and.

By the end of 10 and 19, the interest rate of the first home loan in 10 cities within the monitoring scope of RealData had dropped to "3", including Shijiazhuang, Guiyang, Tianjin, Wuhan, Yichang, Qingyuan, Jiangmen, Kunming, Xiangyang and Jining. Among the second-tier cities, the first home loan interest rate in Kunming dropped to 3.95%, the first home loan interest rates in Wuhan, Tianjin and Guiyang dropped to 3.9%, and the first home loan interest rate in Shijiazhuang dropped to 3.8%. Among the third-and fourth-tier cities, Qingyuan has the lowest interest rate, which has dropped to 3.7%.

In terms of interest rate changes, the mainstream interest rate of the first home loan in Shijiazhuang and Lanzhou was lowered the most this month, reaching 30BP, and the interest rate of the 88-city home loan was unchanged from last month.

In addition to commercial loan interest rates, the interest rates of provident funds in various places have also been lowered. Since June 65438+1 October1day, 2022, the People's Bank of China has decided to reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage point, and adjust the interest rates for less than five years (including five years) and more than five years to 2.6% and 3. 1% respectively. The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively. Subsequently, Beijing, Tianjin, Wuhan, Nanjing and other places successively lowered the interest rate of provident fund loans.

In terms of city lines, the mortgage interest rate in first-tier cities is the highest, with an average of 4.60% for the first set and 5. 13% for the second set, which is the same as last month. The first home loan interest rate in second-tier cities is the lowest, with an average of 4.08%, and the first home loan interest rate in third-and fourth-tier cities is 4. 1 1%.

Chen Wenjing, director of market research in the Index Department of the Institute, believes that at present, the downward trend of the real estate market has not been significantly improved. The People's Bank of China and China Banking and Insurance Regulatory Commission adjust the differentiated housing credit policies in stages, which is conducive to reducing the cost of buying houses and stimulating the demand for buying houses. However, the current real estate market is expected to be weak as a whole. In the fourth quarter, it is still necessary to optimize policies with greater intensity, scope and faster pace, especially for core second-tier cities, and moderately allow the market with better fundamentals to rebound, which will help to produce demonstration effects.

This concludes the introduction of government loan interest rate and government loan interest rate. I wonder if you have found the information you need?