The loan interest rate directly determines the profit distribution ratio between the borrowing enterprise and the bank, thus affecting the economic interests of both borrowers and lenders. The loan interest rate varies with the types and duration of loans, and it is also related to the scarcity of borrowing funds.
The five-year loan interest rate dropped to 4.4 1%.
Recently, four major state-owned banks, including China, agriculture, industry, construction and China Merchants Bank, collectively made new moves to adjust the interest rate discount for the first suite from the previous 9.2% to 10%. At present, the five-year loan interest rate has dropped to 4.4 1%, and the monthly loan cost has been reduced again. Calculated by loan 1 10,000 yuan, the monthly loan will save nearly 200 yuan. Historically, the mortgage level in Shenzhen hit a new low. It is expected that other banks will continue to follow up.
Million mortgage: the monthly payment is less than three years ago 1339 yuan.
The lowest discount on the last mortgage interest rate in Shenzhen property market appeared in 2007, when the first home loan could be discounted by 30%, which was 4.98%. At present, the benchmark interest rate for loans over five years is 4.90%, and the 10% discount is 4.4 1%, which is 0.57% lower than the previous level. Calculated by a million-dollar mortgage, the monthly payment for 30 years is 5,430 yuan, which is less than 6,353 yuan three years ago 1339 yuan.
What is the future trend of mortgage interest rate?
Mortgage interest rate is low, so what is the trend of mortgage interest rate in the future? Some insiders believe that the current downward pressure on economic growth has not been alleviated, and there may be room for the central bank to double down in the future. What's more, in addition to first-tier cities, the inventory pressure in second, third and fourth-tier cities is still relatively large.
Many people will ask whether house prices will fall. At present, the housing price is that those who have no housing want to fall, those who have housing don't want to fall, banks dare not fall, and the government won't let it fall. Theoretically, it must be reduced, economically, the cost cannot be reduced! To tell the truth, if you really want to fall, don't buy it. If you go up, you are too expensive. Don't fall or rise, don't worry. Therefore, buying a house should be based on its own actual situation, and it is time to shoot. The information released by the upcoming 20 15 to the real estate government is that the purchase restriction is loosened, the interest rate is favorable, the down payment is reduced, and the tax is exempted.
The above is the latest mortgage interest rate standard compiled by Bian Xiao, hoping to help friends in need.
(The above answers were published on 2015-12-15. Please refer to the actual situation for the current purchase policy. )
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