From June 8 1, 20 19, 10, the new commercial personal housing loan interest rate is formed by adding the loan market quotation (LPR) of the last month as the pricing benchmark. The added value shall meet the requirements of national and local housing credit policies, reflect the loan risk and be fixed during the contract period.
2. The interest rate of the first set of commercial personal housing loans shall not be lower than the LPR in the same period, and the interest rate of the second set of commercial personal housing loans shall not be lower than the LPR plus 60 basis points in the same period.
3. Tianjin Branch of the People's Bank of China guides the self-discipline mechanism of interest rate pricing in the provincial market, and determines the lower limit of interest rates for the first and second sets of commercial personal housing loans within its jurisdiction according to the unified national credit policy and changes in the local real estate market situation.
4.20 19,10 In June, most of the 20 banks in Tianjin implemented mortgage interest rates: the first set of minimum LPR+30 basis points, and the second set of minimum LPR+60 basis points. According to the LPR of 4.85% announced on September 20th, that is, the interest rate of the first home loan starts from 5. 15% and the interest rate of the second home loan starts from 5.45%.
5. The lowest mortgage interest rate was in bank of dalian, and the first set only rose by 5 basis points, or 4.9%, which was the previous benchmark interest rate. This can be said to be the lowest in Tianjin.
6. The highest mortgage interest rate is Industrial Bank, and the lowest mortgage interest rate is 103 basis points on the basis of LPR, that is, the lowest is 5.88%.