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The benchmark interest rate of housing mortgage refers to the unified benchmark interest rate of housing mortgage announced by the central bank, that is, the highest interest rate of housing mortgage. According to the regulations of the People's Bank of China, it seems that commercial banks can reduce the mortgage interest rate by 15%, but only if the first self-occupied housing or the first housing loan has been settled. The benchmark interest rate of housing mortgage refers to the unified benchmark interest rate of housing mortgage announced by the central bank, that is, the highest interest rate of housing mortgage. When the bank loan interest rate is unstable and fluctuating, the bank can take the benchmark interest rate of housing mortgage loan as the highest current interest rate of bank mortgage loan and lower it by 65,438+00% and implement it. According to the regulations of the central bank, the interest rate of individual housing loans of commercial banks can be lowered by 15%, but it must be that the first self-occupied housing or the first housing loan has been settled.
The benchmark interest rate is a universal reference interest rate in the financial market, and other interest rate levels or financial asset prices can be determined according to this benchmark interest rate level. The benchmark interest rate has the characteristics of marketability, fundamentality and transitivity. Benchmark interest rate is the core of interest rate, which plays a key role in the whole financial market and interest rate system, and its change determines the change of other interest rates. The benchmark interest rate is one of the important means for the central bank to achieve the monetary policy objectives, and the basis for setting the benchmark interest rate can only be the monetary policy objectives. When the focus of policy objectives changes, the interest rate as a policy tool should also change. Different interest rate levels reflect different policy requirements. When the focus of the policy is to stabilize the currency, the central bank loan interest rate should be raised in time to curb overheated demand. On the contrary, it should be lowered in due course. Such as 1987, in view of the economic air with rising temperature, the "compressed economic air" was put forward, and the campaign of increasing production and saving, increasing income and reducing expenditure was widely carried out. From the general international experience, only the interest rate of financial products with reasonable structure, high reputation and strong liquidity can be used as the benchmark interest rate. Among several interest rates that have been marketized in China, the national debt interest rate (specifically, the yield of the national debt secondary market) is the most suitable as the benchmark interest rate.