According to the Securities Daily, as far as the first suite in Beijing is concerned, the benchmark interest rate has risen by 10%, which currently occupies the mainstream position; A few banks raised the interest rate of the first home loan to the benchmark interest rate by 20% or even 30%; Individual foreign banks can apply for the benchmark interest rate with the lowest interest rate for the first home loan, but foreign banks have higher requirements for the lender's own qualifications and the age of the house they buy.
According to incomplete statistics, after the Spring Festival, the interest rate of the first home loan in many areas including Hebei, Anhui, Guangdong, Jiangsu and other provinces rose to varying degrees: the interest rate of the first home loan in several key cities rose by 5%-20% at the lowest, while the state-owned banks rose relatively little, while the joint-stock banks rose more.
The statistics of Zhongyuan Real Estate Research Center also show that most banks in Beijing have started to raise the interest rate of the first home loan by 10%, except for some foreign banks and a few high-quality customers. Floating 10% is the mainstream of Beijing real estate market.
The data shows that in June 20 18, the average interest rate of the first home loan in China was 5.43%, which was equivalent to the benchmark interest rate 1. 1 1 times, up 0.93% compared with June 20 17. Compared with last year, the average interest rate of the first home loan in June 65438+ 10 was 4.46%, up by 2 1.75%. Among the 35 cities monitored, the lowest average interest rate of the first home loan is 4.96% in Xiamen and the highest is 5.84% in Zhengzhou.
Before 3 17 regulation, the loan interest rate was 1 10,000, the benchmark interest rate for 30-year monthly payment was 4.9 5307.3, and the 95% discount rate was 4.66 5 162.4 9%. 4.4 1.50 13.585% preferential interest rate 4. 17 4872.7 First suite change 3 17 The adjusted loan interest rate is 1 10,000 years. 1. 1 multiple interest rate 5.39 6075.4 benchmark interest rate 4.9 5787.8 95% preferential interest rate 4.66 5649.5 before second home loan regulation 1. 1 multiple 5.39 6075.4 after regulation 1.2 multiple 5.80.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, told the Economic Daily-China Economic Net reporter that for the market, the cost of housing loans continued to rise, and the monthly mortgage for every million apartments exceeded 6,000 for the first time in history. According to the average loan amount of 20,000-30,000 yuan for the first home in Beijing, the monthly payment has reached1.20,000-1.80,000. Compared with the house purchase before 20 17 and 3 17, the monthly payment is increased by more than 2,500 yuan per month.
Zhang Dawei bluntly said that according to the just-needed housing prices in Beijing and Shanghai, the interest rate of just-needed loans for 25 years has increased from the previous 15% discount rate to the current benchmark. Even if the housing prices are lowered by about 8%, the impact of this price reduction will be offset by the increase in interest rates.
According to Zhang Dawei's analysis, firstly, the capital cost continues to rise, including the annualized capital cost of fixed wealth management income such as Yu 'ebao, which is close to 4. 1, and the management cost is superimposed. For most banks, the benchmark mortgage interest rate of 4.9 is already a low-profit product. So the bank will gradually increase from the benchmark to the benchmark floating 10%. As the most strictly regulated city in China, Beijing's credit tightening trend is also the earliest and most obvious.
Secondly, historically, except for some time after 2009 and 20 15, the execution interest rate of most mortgage first suites is around 6%, so it is expected that the subsequent mortgage interest rate will still have room to rise. House prices are gradually adjusted. In this case, the bank's risk will increase, and the bank's risk awareness of collateral will also increase. The bank expects to continue to tighten the amount of real estate and raise the price of real estate loans in the future.
Third, the capital cost of property buyers continues to rise, which has gradually completed the process from quantitative change to qualitative change, and the loan pressure is increasing. At present, market transactions have cooled down in an all-round way, and price cuts have begun to appear.
Fourthly, the strictest degree of credit in Beijing in history was at some time points of 20 1 1 and 20 14, when the benchmark of the first suite was raised and various mortgage quotas were tightened, it would also have a great psychological impact on property buyers.
"From the trend of regulation, it is expected that the cooling of real estate will continue during the continuation of the credit tightening trend. In 20 18 years, the mortgage interest rate may continue to rise. " Zhang Dawei said.
(Economic Daily-China Economic Net)