What is the interest rate of 202 1 first home loan?
In April of 20021year, the average interest rate of the first home loan in China was 5.3 1%, up 4 BP from the previous month. The average interest rate of the second home loan was 5.59%, up 2BP from the previous month.
Although LPR has not changed at present, it is also affected by other policy adjustments in the field of mortgage. At present, many banks have experienced the phenomenon of tight quotas or even suspension of loans, and the mortgage interest rate has also risen, which fully shows the power of the new regulations on centralized management of mortgages.
In 20021April, the average level of mortgage interest rate in 22 cities rose month-on-month, among which 10 cities rose more than 10 basis point month-on-month.
Among the first-tier cities, the mortgage interest rate in the north, Guangzhou and Shenzhen remained stable, and the mortgage interest rate in Guangzhou continued to increase. The interest rate of the first home loan is raised by 1 1 basis point, and the interest rate of the second home loan is raised by1basis point. Except for foreign banks, all banks implement mortgage interest rates of 5.3%-5.4% for the first home loan and 5.4%-5.5% for the second home loan.
Among the second-tier cities, according to the monitoring data of Rong360 Big Data Research Institute, the mortgage interest rate of 2 1 second-tier cities increased month-on-month, and the mortgage interest rate of the first home in 9 cities increased by more than 10 basis point month-on-month. Zhongshan, Huizhou and Dongguan ranked in the top three. Mortgage interest rates in Dalian and Harbin rose sharply during this period. At present, the average interest rate of the first home loan in Huizhou and Nanning has exceeded 6%, which are 6. 13% and 6.04% respectively.
The mortgage interest rate will increase. One is because the state controls the real estate market and regulates bank mortgage loans. The other is that the property market is still hot and the real estate market is active, so interest rates will also rise.
Of course, such news can be said to add a lot of burden to the buyers of the first suite, and the next trend depends on the specific regulation of the country.
In April, all parts of the country continued the previous intensive trend of real estate regulation and control, including Dongguan, Shanghai, Hefei, Hangzhou, Ningbo, Guangzhou and other cities, which successively introduced regulation and control measures to cool the property market by strictly restricting purchases, tightening the talent purchase policy, and raising the second down payment.
On April 8, the Ministry of Housing and Urban-Rural Development interviewed five cities, namely Guangzhou, Hefei, Ningbo, Dongguan and Nantong, demanding that the political position be effectively improved, and that real estate should not be used as a short-term means to stimulate the economy, so as to ensure the realization of the goals of stabilizing land prices, housing prices and expectations.
In the first quarter of 2002/KLOC-0, real estate control policies were frequent. For real estate, the core of 202 1 market trend still depends on the regulation of operating loans. The strong market will fall, and the weak market will rise.
How about 202 1 first home loan?
202 1, the new interest rate of LPR was officially implemented, which was mainly related to the adjustment of mortgage interest rate; Limiting the proportion of real estate loans in bank loans is simply to reduce the amount of bank loans and reduce the heat of the property market. But at present, the rise in interest rates has not curbed the heat of property market transactions, so further austerity policies should continue to be released. 202 1 It is more difficult for everyone to get the first home loan.
It is understood that there are indeed many bankers who have responded and received a notice from the regulatory authorities to further reduce the mortgage ratio. In particular, large commercial banks are required to reduce and control the total scale of individual housing mortgage loans. Therefore, to be exact, it is the branches of individual banks that have adjusted relevant policies and suspended mortgage loans, which is not directly equivalent to "202 1 banks will completely suspend mortgage loans". The bank's comprehensive suspension of mortgage loans has not been officially confirmed.
Starting from 202 1, the mortgage interest rate with LPR floating interest rate is switched once a year, and the interest rates of cities fluctuate on the benchmark.
Since 20 15, the benchmark interest rate of policy loans has remained at 4.9%. Although the floating interest rate has been changing, the previous mortgage has never been adjusted because the benchmark interest rate has not moved.
Since 2020, the central bank has cut interest rates by two rounds of LPR: 1 year LRP interest rate has been lowered from 4. 15% to 3.85%, with a cumulative interest rate cut of 30 basis points; 5-year LPR interest rate: reduced from 4.8% to 4.65%, with a cumulative interest rate reduction of 65,438+05 basis points.
Housing loan is a medium-and long-term loan, based on the 5-year LPR interest rate. Therefore, as long as the floating interest rate is chosen, the mortgage interest rate in 202 1 year will be 15 basis points lower than that in 2020. The floating interest rate of mortgage is officially opened, and the stock mortgage will usher in the first "interest rate cut" since 20 15.
Based on the 30-year mortgage loan 1 ten thousand yuan, the accumulated savings of 202 1 year is 1080 yuan. Although the figure is small, if the central bank continues to cut interest rates in the future, the repayment amount will continue to decrease.
There are two points worth noting: first, it does not involve provident fund loans. This LPR interest rate reform only involves commercial loans, and the provident fund loans remain unchanged. Second, people who choose a fixed interest rate are not affected.
The above is the related content of "202 1 What's the interest rate of the first home loan" compiled by Bian Xiao.