If the mortgage interest rate of buyers is anchored at LPR pricing, and the annual re-pricing date is 1+0, then the mortgage repayment from next month can save a lot.
Source: China Money Network
1 10,000 mortgage can save more than 2,000 yuan every year.
In 2022, the LPR over five years will be lowered by 35 basis points, of which 65438+ 10 will be lowered by 5 basis points, and 15 basis points will be lowered in May and August. At present, the price of LPR over 5 years is 4.30%.
From August, 2065438 to August, 2009, the central bank implemented the new policy of mortgage interest rate, and the mortgage interest rate of real estate enterprises was based on the loan market quotation (LPR) in the same period of the last month, which was summed up.
That is, the housing commercial loan interest rate =LPR a certain basis point.
Taking Beijing as an example, the current mortgage interest rate implemented by banks is:
The interest rate of the first home commercial loan =5-year LPR 55 basis points = 4.85%; Interest rate of second-home commercial loan =5-year LPR 105 basis point =5.35%.
For the existing mortgage being repaid, according to the contract, the new interest rate will not be implemented until the repricing date.
If the annual re-pricing date is 65438+ 10 month 1, the monthly payment will be made from next month.
Taking the first suite in Beijing as an example, according to the 25-year commercial loan with equal principal and interest of 654.38+0 million:
65438+February 2022: 4.65% (202165438+LPR in February 5) 55 basis points =5.20% Monthly contribution: 5963.02 yuan.
65438+ 10 month in 2023: 4.30% (over 5 years in 2022, 65438+LPR in February) 55 basis points =4.85%, and the monthly payment is: 5758.84 yuan.
It can save about 204.58 yuan per month and 2454.96 yuan a year.
It is worth noting that there are generally two kinds of repricing days. One is the date corresponding to the loan issuance date. For example, if your loan is issued on April 12, 2020, then April 12 is the re-pricing date every year. Second, 65438+ 10/month 1 year.
The repricing date of many mortgages is 65438+ 10/month 1 year. For this kind of mortgage, the reduction of 35 basis points in 2022 will be reflected in the monthly mortgage payment from next month. If the repricing date is the corresponding date of the loan release date, the monthly payment will be adjusted from this date.
LPR still has room for downside next year.
Many experts believe that in the next five years, LPR still has a certain downward possibility.
Wang Qing, chief macro analyst of Oriental Jincheng, believes that in order to guide the real estate market to achieve a soft landing as soon as possible, in addition to strengthening supply-side support such as "guaranteeing the bottom", it is crucial and urgent to continuously reduce the interest rate of residents' mortgages and promote the stabilization and recovery of the property market.
According to the latest data of the central bank, the weighted average interest rate of new residential mortgage loans in June of 65438+ 10 was 4.3%, which was lower than the lowest level (4.34%) set in June of 2009. Wang Qing said that the current residential mortgage interest rate is still at a high level, whether compared with the corporate loan interest rate in the same period or from the perspective of matching with the nominal economic growth rate. Next, in order to further push down the mortgage interest rate, the 5-year LPR quotation needs to be lowered first.
Dong Ximiao, chief researcher of Zhilian Finance, also believes that from the financial data of 5,438+00 and 5,438+010 in June, the growth of household loans, especially the medium and long-term loans of households, is weak, reflecting the lack of residents' willingness and ability to consume. It is necessary to continue to guide the moderate decline of LPR, especially after five years, reduce the burden of housing consumption of residents, stimulate the medium and long-term financing needs of enterprises, promote the stable and healthy development of the real estate market, and promote the steady recovery of the macro economy. It is estimated that 65438+ 10 or February next year will be the time window for LPR downward adjustment.