It may drop to 3: 8 in June. In the second-tier cities represented by Zhengzhou, Fuzhou and Tianjin, relevant policies and financial institutions have introduced preferential policies for the first home loan interest rate, which has reduced the national first home loan interest rate to below 4%.

Second, will the mortgage interest rate fall again in 2023?

165438+1October 25 news, the CICC research report said that the possibility of a new round of mortgage interest rate cuts would not be ruled out. The current mortgage interest rate has basically exhausted the existing policy space, and the original interest rate will be restored by the end of 2022 due to the phased interest rate relaxation policy. In order to maintain the strength of the real estate market, a new round of mortgage interest rate reduction is not ruled out.

Specific ways may include:

LPR will decrease in one year or five years.

The second is to further relax the lower limit of the five-year LPR new mortgage interest rate of not less than 20 basis points.

In addition, residents repaid their loans in advance this year, mainly due to high mortgage interest rate (about 5%) and low annual return on assets (about 3% for time deposits). It is not excluded to reduce the interest rate burden of residents by directly lowering the mortgage interest rate of stocks and reducing early repayment.

3. When will the mortgage interest rate be lowered?

howdy

I summarized it for you.

There are three forms: first, after the bank's interest rate is adjusted, the newly adjusted interest rate will be implemented at the beginning of the following year; The second is annual adjustment, that is, the new interest rate is adjusted and implemented every year of repayment; Third, the two sides agreed that the new interest rate level will generally be implemented in the month after the bank's interest rate adjustment.

4. Will the mortgage interest rate fall or rise in 2023?

Put it down.

Loans are loans made by banks or other banks on the condition that monetary funds must be returned. Refers to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out in the form of loans, which can meet the needs of society to promote economic development, at the same time, gain interest income and increase the bank's own accumulation.