1 year LPR is 3.65%, down by 5 basis points, and 5-year LPR is 4.3%, down by 15 basis points. The interest rate of the first home mortgage generally decreased from 4.25% to 4. 1%, and the interest rate of the second home mortgage generally decreased from 5.05% to 4.9%.
It is reported that as soon as the news came out, at the end of August, Jiangmen Agricultural Bank and China Construction Bank immediately began to implement the latest interest rates.
As of today, how is the bank implementation in Jiangmen? Sister Ding called the major banks today to get the latest information.
The first set of 4. 1% fastest same-day loan.
Compared with August, the interest rate of China Everbright Bank was basically the same, with 4.2% for the first set and 5.05% for the second set. The mortgage interest rates of all major tier-one banks decreased uniformly, with the first mortgage interest rate being 4. 1% and the second mortgage interest rate being 4.9%.
At the same time, a small number of people need to review according to personal flow and credit information, and interest rates need to be fine-tuned.
In terms of lending speed, the lending cycle of major banks has been continuously shortened since they entered Jin Jiu Silver 10, and they can basically lend money within one week.
Some banks even say that they can lend money on the same day when the information is complete.
According to the manager of China Bank Branch, "pure commercial loans with complete information will be submitted for review in the morning, and the loans can basically be approved in the afternoon".
In 2022 alone, the mortgage policy was adjusted several times.
① 20% down payment for the first purchase.
Starting from this year, ordinary housing will be purchased for the first time, and a down payment of 20% will be allowed if the buyer has no housing and no mortgage loan record.
To put it simply, a house with a total price of 6,543.8+0,000 yuan, if it is a white household with no room and no loan, can get a loan of 800,000 yuan only by paying a down payment of 200,000 yuan at present, so that many buyers with limited budgets can also get on the bus.
② The mortgage interest rate has been lowered several times.
On October 20th, 2022, 65438+1 year LPR and 5-year LPR were lowered by 10 basis point and 5 basis points respectively, which were 3.7% and 4.6% respectively.
On May 20th, the 1 year LPR was flat at 3.70%; The five-year LPR is lowered by 15 basis points, with a reduction rate of 4.45%. 1 year LPR and 5-year LPR were both lowered again for the third time.
After the downward adjustment in August this year, the lower limit of mortgage interest rates for the first and second homes has been reduced to the lowest since the LPR reform in 20 19, with the LPR of 1 year being 3.65% and that of 5 years and above being 4.3%.
Industry insiders predict that the five-year LPR relief will bring good news to buyers and lower the mortgage interest rate.
③ There is no need to wait for the provident fund.
In addition, in September, the Municipal Housing Provident Fund Management Center issued the "Announcement on Suspension of Waiting for Lending of Personal Housing Loans for Housing Provident Funds". From September 1, there is no need to wait for loans to apply for individual housing loans from housing provident fund in Xinhui, Taishan, Heshan and Enping.
The further optimization of the provident fund loan policy not only makes people buy houses more affordable, but also plays a positive role in pulling the real estate market.
1 10,000 yuan mortgage
30 years 3 1500 yuan.
Ding Jie is calculated according to the interest rate difference between August and September. The commercial loan amount is RMB 6,543,800,000.00 Yuan, and the loan lasts for 30 years, with equal repayment of principal and interest. Compared with the previous 4.25%, the monthly supply decreased by 87.42 yuan, and the accumulated monthly supply in 30 years decreased by 3,654.38+0.5 million yuan.
The interest rate of the first home loan is 4.25%
The interest rate of the first home loan is 4. 1%
In just one month, the amount gap widened.
This makes people who stand guard at the high mortgage interest rate of 202 1 5.65% think of the method of "prepayment" in unison. So there is a penalty for repaying the loan in advance?
According to Ding Jie's call to the bank, at present, most banks do not charge compensation for the prepayment of personal mortgage loans, but some banks need a process of 1-2 months for prepayment.
Cynthia has something to say:
The mortgage interest rate continues to decline, coupled with the provident fund policy and the favorable BUFF of 20% down payment, the topic of buying a house to repay the loan has once again been pushed to the forefront.