According to the announcement of the central bank, since June 8 this year 10, the new commercial personal housing loan interest rate has been formed based on the loan market quotation (LPR) of the same period last month. The interest rate of the first home loan shall not be lower than the LPR quotation in the same period, and the second home loan shall not be lower than the LPR quotation in the same period plus 60BP.
After the conversion of the pricing benchmark, the interest rate of the first set of new individual housing loans in China shall not be lower than the corresponding term LPR (according to the LPR of more than five years on August 20, 4.85%); The interest rate of two sets of personal housing loans shall not be lower than the corresponding period LPR plus 60 basis points (calculated as 5.45% according to the LPR of five years or more on August 20), which is basically equivalent to the actual minimum interest rate of personal housing loans in China at present.
On the other hand, CCTV Finance recently reported that there are 12 banks in Hefei (real estate) area, including large state-owned banks such as China Construction Bank (60 1939) and China Bank (60 1988), and Hangzhou Bank and Huaxia Bank (6000 15). Among them, Hangzhou (real estate) Bank and Huaxia Bank also stopped new house loans.
The trend of mortgage interest rate is difficult to fall.
Lu Yanyan (pseudonym), who lives in Guangzhou (real estate), is worried about buying a house with a loan.
"Since the announcement of the New Deal, I have been very concerned about the loan problem of the house." Lu Yanyan told Times Weekly that the new house she bought is in a critical period of applying for a loan. Whether she can sign the contract before June 8 of 10 will directly determine whether the loan will be priced at the current benchmark interest rate or later with LPR pricing.
Take Guangzhou, where Lu Yanyan is located, for example, the existing minimum interest rate for the first home loan rises by 5%, that is, 5. 145%. If the loan term is 3 million years, one month is 1637 1 yuan; After the new regulations, if the latest interest rate of LPR is 4.85%, it is also a loan of 3 million yuan, with a monthly repayment of 15830 yuan for 30 years, which is more than 500 yuan cheaper than before.
However, Lu Yanyan told the Times Weekly reporter that the above plan is only the "most ideal" state-it is also the lower limit of the mortgage interest rate, and there is a high probability that the real housing loan will rise to a certain extent. "I ran a lot of banks, and the predictions they gave me were that the total repayment amount would increase by about 40,000 to 50,000. Although it is only a few hundred dollars per month for 20 years, it can still save a little. "
According to the latest mortgage interest rate data of 35 cities released by Rong 360 Big Data Research Institute, there are very few cities with 10% or 9.5% discount on the first home loan, and the average interest rate of the first suite in most cities is significantly higher than 4.85%. Judging from the trend of interest rate changes, in recent months, the average interest rate of mortgage loans in most cities has shown a weak upward trend, whether it is the first suite or the second suite.
"Looking ahead, the interest rate of individual housing loans is likely to rise, but the magnitude will not be too great." Dong Ximiao, a special researcher at the National Finance and Development Laboratory, said in an interview with the media that different banks have different positioning of personal housing loan business and different credit resources in different regions, so the mortgage interest rate will be obviously differentiated, while the adjustment of mortgage interest rate of large commercial banks is expected to be relatively moderate.
"We haven't received any further work instructions from the head office." A regional head of four major state-owned banks, who did not want to be named, told the Times Weekly reporter that the current policy is still "the minimum executive interest rate of the first suite rises 10%, and the minimum executive interest rate of the second suite rises 15%", which is no different from the previous interest rates.
But not all banks are as calm as the five state-owned banks.
The staff responsible for the housing loan business of a city commercial bank pointed out to the Times Weekly reporter that because small and medium-sized banks such as city commercial banks are more sensitive to interest rate changes, they have been working overtime to study how to follow up the policy since the introduction of the New Deal on August 25. "At present, although the mortgage interest rate is still maintained at the level of the first set 10% and the second set 15%, there may be obvious adjustments in recent weeks."
It is worth noting that on August 26th, Guangzhou Branch of the Central Bank took the lead to put an end to the "hidden lower limit of loan interest rate" and implement the benchmark adjustment of mortgage interest rate pricing.
In this regard, the management of the above-mentioned state-owned banks pointed out to Time Weekly that the upward trend of mortgage interest rate will be very obvious when the branches of the central bank determine the lower limit of bonus points recently.
Bank funds are still tight.
However, Lu Yanyan, who has been in the bank for a week, found that even if she made up her mind to get a loan in the near future, the bank's tight mortgage quota still became a "roadblock" that restricted her from moving into a new house as soon as possible.
Since the second half of 20 19, the mortgage interest rates in many hot areas have been significantly improved, and the pace is becoming more and more intensive. Among them, the long-term shortage of loan funds is an important reason.
It is understood that the suspension of second-hand housing loans is not because of the introduction of relevant policies, but because some banks have run out of quotas.
"Since the beginning of this year, our housing loan has to wait for the quota to be approved. Generally speaking, the waiting time is about one month. " The heads of the above four state-owned banks told Times Weekly that the use of housing loans has been relatively tight this year, and the above time is only applicable to first-hand houses in most cases. For some second-hand housing transactions, the lending time has even reached next year.
"The quota has been significantly tightened this time, probably starting from July." The staff of a commercial joint-stock bank in Guangdong also pointed out to Time Weekly that since the second week of July, the bank has obviously tightened the mortgage quota. "In the beginning, the lending cycle became longer. At present, it is no longer possible to promise the loan time, and there can be a quota loan. "
As for whether the mortgage will continue to be tightened, Zhang Dawei, chief analyst of Zhongyuan Real Estate, expressed an optimistic view to the reporter of Times Weekly: "The name of the central bank is clear, that is, to limit illegal funds from flowing into real estate. For normal mortgages, there is no tightening and there is basically no impact. "