Stock mortgage refers to the unpaid part of personal housing loans issued before the introduction of the new mortgage policy, and the interest rate of stock mortgage refers to the interest of follow-up loans that have not been paid off.
The Notice on Adjusting and Optimizing Differentiated Housing Credit Policies proposes that the lower limit of the two sets of housing interest rate policies should be adjusted to not less than the loan market quotation (LPR) of the corresponding term plus 20 basis points; The lower limit of the first set of housing interest rate policy is still not less than LPR minus 20 basis points in the same period.
On August 3rd, 2023, the People's Bank of China and the State Administration of Financial Supervision issued the Notice on Matters Related to Reducing the Interest Rate of the First Home Loan in Stock. Since September 25th, the borrower of the first commercial personal housing loan can apply to the loan financial institution for interest rate adjustment.
Policy development of interest rate of stock mortgage loan
On the evening of October 22nd, 2008, the central bank decided to extend the lower limit of commercial personal housing loan interest rate to 0.7 times of the benchmark loan interest rate from October 27th, 2008. The minimum down payment ratio is adjusted to 20%.
On June 5438+ 10, 2009, the preferential policies for stock mortgage of Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank were finally relaxed in the new year, and the highest interest rate of stock mortgage can also enjoy a 30% discount.
On August 3rd, 2023, the People's Bank of China and the State Administration of Financial Supervision issued the Notice on Matters Related to Reducing the Interest Rate of the First Home Loan in Stock. Since September 25th, the borrower of the first commercial personal housing loan can apply to the loan financial institution for interest rate adjustment.
Refer to the above content: Baidu Encyclopedia-Stock mortgage interest rate
1. What is libor interest rate inquiry?
Libor interest rate inquiry is a benchmark interest rate inquiry, which is called LIBOR, also known as LIBOR.