101October 2 1 day, the People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) 1 year was 4.20%, and that for five years and above was 4.85%. Compared with the interest rate announced on September 20th, this month's interest rate has not been further adjusted. The reporter visited and found that many banks in Kunming raised the mortgage interest rate. The highest mortgage interest rate of the first house increased by 65,438+003 basis points for the LPR quotation, and the highest mortgage interest rate of the second house increased by 90 basis points for the LPR quotation.
interview
A number of banks raised mortgage interest rates.
On the first day of implementing the new mortgage interest rate policy in Kunming, the reporter learned from many banks in Kunming that the interest rate of ICBC's first home loan was 5.4% and that of its second home loan was 5.65%. The interest rates of the first home loan and the second home loan of CCB and ABC are 5.39% and 5.64% respectively. The interest rates of China Bank and Bank of Communications are 5.39% for the first home loan and 5.635% for the second home loan. The first home loan interest rate of China Merchants Bank started at 5.4%, and the lower limits of the first home loan interest rate and the second home loan interest rate of many banks were basically the same as before the adjustment.
Recently, the reporter visited again and found that the first home loan interest rates of rural credit cooperatives, Fudian Bank, Minsheng Bank, China Construction Bank, Agricultural Bank and China Bank rose to 5.55%, that is, the LPR quotation rose by 70 basis points; The interest rate of the first home loan of China Merchants Bank rose to 5.635%, which increased the LPR quotation by 78.5 basis points; The interest rates of the first home loan of Industrial Bank and Guangfa Bank rose to 5.88%, which increased the LPR quotation by 103 basis points.
At the same time, the interest rate of second-home mortgage has also risen. On the first day of the implementation of the new mortgage interest rate policy, the second home loan interest rates of CCB, ABC, BOC and Rural Credit Cooperatives were 5.64%, 5.64%, 5.635% and 5.65% respectively, while the latest second home loan interest rates of these four banks all rose to 5.75%, that is, the LPR quotation rose by 90 basis points. In addition, the first home loan interest rate of Bank of Communications rose to 5.39%, that is, the LPR quotation rose by 54 basis points, and the second home loan interest rate rose to 5.65%, that is, the LPR quotation rose by 80 basis points, which was basically the same as when the market interest rate was first implemented.
survey
How is the increase in mortgage interest rate affected?
When the mortgage policy was just changed, the mortgage interest rate remained basically stable relative to the previous benchmark interest rate. Why did it go up in a few days? Faced with such a question, the staff of a state-owned bank gave the answer: the reason for the rise in mortgage interest rate is that the bank's quota is relatively tight at the end of the year, and the other is affected by the market environment. "The first house rose by 15%, and the second house rose by at least 20%." The staff of another bank said that there will be a pricing on 2 1 day of each month. At present, the interest rate of the first home loan implemented by the bank has risen to 5.39%, and the interest rate of the second home loan has risen to 5.65%. Now pricing is based on market interest rate, and now the upward adjustment is based on market interest rate. "The adjustment of mortgage interest rate is mainly regulated by the state and the market," the staff said.
affect
It has little impact on loan buyers.
The rise of mortgage interest rate in Kunming has undoubtedly the most direct impact on buyers, which directly leads to the increase of the total cost of buying a house. "The increase in the interest rate of the first suite does have a negative impact on those who just need to buy a house, but for those who have already borrowed money to buy a house, the floating mortgage in the market will not have much impact. The main reason affecting mortgage is the change of benchmark interest rate. If the benchmark interest rate changes, the mortgage of buyers will also change. " Ma Shang real estate property consultant told reporters.
Regarding the adjustment of mortgage interest rate, Mr. Yang, a citizen of Kunming, said that he had previously set up a loan for the first suite in a rural credit cooperative, which was only approved this month. The interest rate at that time was 5. 15%, which was lower than before. "The loan I handled at Minsheng Bank in September was only approved this month, and the interest rate is lower than now." Ms. Wang, who lives in Wujiaba, admits that the increase in mortgage interest rate may have some impact on people who want to buy a house in the future, but if it is a monthly payment, the change will not be too great.