The new personal housing loan interest rate policy will be officially implemented from 65438+ 10. China securities journal reporter learned that at present, 13 provinces and cities have deployed the transformation of the pricing benchmark of individual housing loan interest rate, which is expected to land in the near future. Some big banks with relatively large mortgage business are basically ready, and the implementation plan announced by big banks is expected to play a certain demonstration role for small and medium-sized banks.

The industry generally believes that the old and new policies of mortgage interest rate will achieve a smooth transition. After changing the "anchor", the mortgage interest rate fell instead of rising.

The lower limit of adding points is not fixed.

The staff of the mortgage department of a bank told the china securities journal that the detailed rules for the implementation of the new mortgage interest rate policy issued by the headquarters have not been received yet, but it is expected that it will not be much different from the current implementation plan, that is, the first home mortgage will rise by 10% according to the benchmark.

Housing agencies in Beijing and Shanghai told china securities journal that they had not received any formal notice from the bank. However, a Guangzhou Chain Home Housing Sales Manager told the reporter, "It is reported that the bank's implementation plan will be announced around 15, and small and medium-sized banks are expected to implement it according to the plans of the four major banks. The first set of interest rates will be slightly higher than before, but the actual situation remains to be confirmed. "

It is reported that Beijing's new personal housing loan pricing benchmark is: the first set of commercial personal housing loan interest rate is not lower than LPR+55 basis points in the same period, and the second set of commercial personal housing loan interest rate is not lower than LPR+ 105 basis points in the same period.

In fact, the previous mortgage calculation method has many disadvantages. When the benchmark interest rate is at a low level, the multiplier effect will be reduced accordingly. Adding points with LPR can solve the problem of less effect and make the calculation more intuitive.

According to the latest published five-year LPR(4.85%), the lower limit of the interest rate of the first individual housing loan in Beijing is 5.4%, and that of the second suite is 5.9%, which is basically equivalent to the interest rate of the new individual housing loan issued by major banks in China. "The determination of this pricing level is mainly to achieve linkage with LPR, while considering the need to maintain the continuity and stability of Beijing's real estate financial policy." People familiar with the matter said.

It is worth noting that the lower limit of bonus points determined this time is not fixed. The above-mentioned person said that in the future, according to the changes in Beijing's real estate situation and LPR fluctuations, the self-discipline mechanism of interest rate pricing will be guided to adjust the lower limit of individual housing loan interest rate in a timely and appropriate manner.

The big banks are basically ready

The central bank announced 65438+ 10 8 to implement the new policy of personal housing loan interest rate. The above-mentioned person said, "Before this, the corresponding bank will be instructed to modify the loan contract, upgrade the system and organize employee training. /kloc-0 Before June 8, 0, the benchmark interest rate can be selected as the pricing benchmark in signing the commercial housing loan contract. If some banks are ready, they can choose to negotiate with borrowers and determine the loan interest rate according to LPR. "

Industrial and Commercial Bank of China and China Construction Bank, which account for a large proportion of mortgage business, have carried out corresponding work.

Ren, deputy general manager of Personal Finance Department of China Industrial and Commercial Bank, said that there are three main tasks at present: First, the Opinions on Further Strengthening the Application of Quotation Interest Rate in Loan Market was issued, and arrangements were made for the implementation of each branch. Second, at the institutional level, it mainly involves the revision of the interest rate clauses in the personal loan management measures, such as adding the pricing method of LPR, and documents can be issued in the middle and late September. Thirdly, in terms of system, ICBC supports the LPR pricing model of individual housing loans. At present, the system is being tested, and the preparation of the system can be completed in the middle and late September.

CCB has also carried out various tasks one after another. Huang Yougang, deputy general manager of the Housing Finance and Personal Credit Department of China Construction Bank, said: First, study and formulate detailed business implementation rules, including the value of the newly issued mortgage LPR, the interest rate adjustment method, and the rules for determining the value-added amount. The second is to modify the loan contract. The third is institutional transformation. Accelerate the development and implementation of LPR pricing parameter adjustment and text change functions in business systems. The fourth is to comprehensively promote deployment. Branches have been convened to study and implement, and guide them to prepare for LPR interest rate conversion. The fifth is to organize employee training. Sixth, do a good job in customer execution.

Avoid impacting the real estate market.

Many market participants have raised questions. From the perspective of extended cycle, LPR may float downwards in the future, which will lead to lower mortgage interest rate? Many people think that if the LPR changes but the point remains the same, it will really change the mortgage interest rate. However, the current real estate regulation and control emphasizes the policy of the city, and the self-discipline mechanism of interest rate pricing in various markets will also play an important role in the process of determining interest rates.

In fact, if the mortgage interest rate of individual cities changes because of the change of LPR, which leads to the local real estate market tension, then the market interest rate guidance will be relatively frequent, such as once every two months. LPR reflects the trend of loan market, and the trend of real estate market will also be reflected in LPR trend.

According to informed sources, at present 13 provinces and cities have deployed the transformation of the pricing benchmark of individual housing loan interest rate, which is expected to land next week.