The benchmark interest rate of the central bank is the same for all banks, but banks can fluctuate up and down on the basis of the benchmark interest rate within the prescribed scope according to different loan types. It's hard to say which bank has the lowest interest rate, because the regions are different, but there is a general rule that banks with sufficient quotas are relatively loose in interest rates.

The implementation standards of mortgage interest rates of different banks are different. As for which bank's mortgage interest rate is low, it is best to find more banks to compare before making a choice. If you want to pay low loan interest, then mortgage loan should undoubtedly be the first choice for homeowners.

To sum up briefly: the loan interest rate, that is, LPR, is unlikely to fluctuate greatly for many reasons, and we have no chance to use it with great probability; Let's talk about the changes in house prices. Houses have obvious financial attributes. Even if the country says it will not speculate on houses, the relationship between supply and demand and the assets themselves will continue to rise slowly with the change of currency value. If ordinary people don't buy stock investment or don't understand other assets with more value preservation, cities with good development momentum can start to just need houses, don't mind investing more, and worry about rising taxes and fees in the later period. It is most important for us ordinary people to reduce risks with other wealth management products!

In Wuhan, the current residential LPR interest rate in Wuhan in September is:

First suite (4.65+ 103BP)%≥5.68%

Second suite (4.65+ 128BP)%≥5.93%

Second-suite Agricultural Bank of China (4.65+ 127.5BP)%≥5.925%

The above are the LPR interest rates of Agricultural Bank of China, Bank of Communications, Hankou Bank, Xingye, China Everbright, Construction, Postal Service, HSBC, Ping An, Industry and Commerce, Minsheng and Shanghai Pudong Development Bank in Wuhan in September.

July, August and September are basically the same. Except for three or four banks, the BP value of the first suite was 108 in July and August, others were 103BP, some banks in the second suite were 132, others were 128BP (ABC was 132.5BP in July).