Dali Station of Real Estate Network learned from many sources that some state-owned banks and joint-stock banks in Yunnan Province lowered the interest rate of the first home loan to 3.95%, which was 4. 1% before. At present, Construction Bank and Industrial Bank in Dali have implemented the interest rate of 3.95% for the first home loan, and other banks will follow up and adjust.
According to the regulations of the People's Bank of China, the period of phased relaxation policy is before the end of 2022. If the LPR for five years or more is not lowered during the year, the interest rate of 3.95% will become the lowest interest rate this year.
Based on the loan amount of 6,543.8+0,000 yuan, 30-year term and equal principal and interest repayment method, the current interest rate of the first suite will be reduced by about 86 yuan compared with 4,654.38+0% before adjustment, and the overall repayment amount will be reduced by more than 30,000 yuan.
The recovery of the property market accelerated and the economic confidence index rebounded.
On June 65438+1October 1 1, the People's Bank of China released the financial statistics report for the first three quarters of 2022. The report shows that RMB loans increased by 18.08 trillion yuan in the first three quarters, an increase of10.36 trillion yuan year-on-year. Among them, residents' medium and long-term loans increased by 345.6 billion yuan, a year-on-year decrease of121billion yuan (a year-on-year decrease of 160 1 billion yuan in August). Residents' medium and long-term loans are closely related to mortgage loans for house purchase, and the growth rate of medium and long-term loans has narrowed from the previous month, which indicates to some extent that real estate sales have started to pick up and the trend of property market warming has accelerated. In addition to the recovery of the property market, the economic confidence index is also picking up. According to the CBN Institute's June 5438+ 10 "CBN Chief Economist Confidence Index" was 50.29, which rose to the highest point in the past six months. Economists generally believe that with the sustained efforts to stabilize the economy, China's GDP in the third quarter is expected to rise from 0.4% in the second quarter to 3.68% year-on-year. At the same time, the chief economist predicts that the GDP growth rate will be 3.47% in 2022, with a median of 3.5%.
We know that only by stabilizing economic expectations can we stabilize the expectations of the real estate market, and the relationship between them is mutual influence and promotion. 10 On June 7th, the People's Bank of China launched a 500 billion yuan medium-term loan facility (MLF) operation, and the operating interest rate remained unchanged at 2.75%. It is unlikely that the LPR interest rate will continue to be lowered in June, 438+00. If the economic situation improves in the fourth quarter, and the recovery of real estate sales is consolidated, there will be no need to further reduce the interest rate of the first home loan. Faced with the figure of "3.95%", buyers finally waited for the best time to buy a house.