The latest policy of ICBC: the first set of interest rates will be raised by 5% at the minimum, and will be implemented on June 18, subject to the date of the sale and purchase agreement.

The People's Bank of China stipulates that the first set of interest rates will go up, and other banks will adjust them one after another! ?

Bian Xiao has checked with ICBC for the first time, and the news is true!

At the same time, Bian Xiao also conducted a survey of other banks and found that:

Not only ICBC, but also Agricultural Bank of China, China Construction Bank, Xingye and Pudong Development Bank have raised interest rates. 18, the first home loan interest rate became the benchmark, rising by 5%!

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From June 18, Tianjin Industrial and Commercial Bank implemented: the interest rate of the first suite rose by 5%, and the interest rate of the second suite rose by 10%.

Compared with before, the first home loan interest rate rose by 5%, and the second home loan interest rate remained unchanged. The new mortgage policy needs to be approved.

A branch of Agricultural Bank of China just received a notice at 2: 30 pm on June 17. /kloc-From June 0/8, the interest rate of the first home loan was raised from the original benchmark to 5%, and the second home loan remained unchanged. The admission system shall prevail.

In the afternoon, CCB informed us that the interest rate will rise by 5% on the first day from June 18, subject to the online signing date.

Starting from June 18, Shanghai Pudong Development Bank also implemented a 5% increase in the benchmark of the first suite, subject to the printing time of the bank.

Industrial Bank 17 suddenly adjusted in the afternoon, with the first suite rising by 5% and the second suite still rising 10%. Subject to the bank receipt.

According to reliable sources, BOC is also studying it, and it has not yet been finalized. The reply given by CITIC Bank is "not dead yet".

According to an insider of the bank, the establishment of diplomatic relations between China, agriculture, industry and commerce has been guided by the window of Tianjin People's Bank.

It is also reported that ICBC, Agricultural Bank of China, China Construction Bank, Bank of Communications and Xingye have all raised interest rates, and 17 commercial banks will adjust interest rates one after another in the near future.

In this regard, Tianjin 365 Fang Tao is still continuing to follow up.

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On the whole, there are three new mortgage policies that have been introduced at present:

1, only the first home loan interest rate is adjusted, and the second home loan interest rate remains unchanged.

2. The adjustment range has increased by 5% compared with the original one, that is, the original benchmark has been raised by 5%.

3. The execution time starts from June 18.

The difference lies in the different implementation standards. But most of them are based on purchase agreements. For example, ICBC, CCB and ABC.

In other words, the online signing agreement signed before June 18 can still enjoy the benchmark interest rate, and after June 18 (inclusive), the new interest rate benchmark will be implemented.

Bian Xiao simply calculated that the loan is 1 10,000, with a term of 25 years and equal principal and interest:

In the original first set of benchmarks, the monthly repayment amount is 5787.79 yuan, the total interest is 736,300 yuan, and the total repayment amount is 654.38+0.736 million yuan.

However, after the interest rate is raised to 5% of the benchmark, it needs to pay back 5,933.63 yuan per month, with the total interest of 780,654.38+0,000 yuan and the total repayment of 654.38+0,780,543.8+0,000 yuan.

That is to say, after the implementation of the new mortgage policy, if the loan is1million yuan, it needs to be paid back 145.84 yuan every month, and the total interest is 43,800 yuan more!

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In other words, since the beginning of this year, the Tianjin mortgage market has taken a "downward" route, which has completely dropped to the benchmark in March. More than 80% banks are implementing: the first set of benchmarks and the second set of floating 10%.

Recently, the rural commercial bank even lowered the interest rate of the first suite to 1%, which is 99% discount.

Unexpectedly, however, on June 17, the Tianjin mortgage market suddenly turned around and restarted the upward channel.

In fact, Tianjin is not the only one in action.

In May, mortgage interest rates in Hefei, Nanjing, Nanning, Shenzhen and Qingdao rose.

Recently, some media reported that Wuhan Branch of the People's Bank of China issued a notice that all mortgage interest rates in Wuhan should not be lower than the benchmark by 20%. The mortgage interest rate was uniformly adjusted to 20% for the first set and 25% for the second set, and implemented on June 1.

On June 14, Chengdu Branch of the People's Bank of China also issued an urgent notice, demanding that the interest rate of first-hand housing loans of banks should not be lower than the floating interest rate of 20% for the first set/KLOC-0 and the second set.

Now, Tianjin has also changed! The first suite is 5% higher than before!

It is also reported that the second home loan interest rate will rise to 15% in the later period.

Some insiders have analyzed that this may be related to the long-term low interest rate of Tianjin mortgage.

According to the monitoring data of Rong360 Big Data Research Institute, from 2065438 to May 2009, the average interest rate of the first home loan in China was 5.42%, which was equivalent to the benchmark interest rate 1. 105 times, down 1.09% month-on-month and 3.27% year-on-year. It is the lowest mortgage interest rate since 20 18.

Among them, the average mortgage interest rate of the first suite in Tianjin is only 4.93%, which is far below the national average and ranks among the top three in the country.

"This is not in line with the main tone of' housing and not speculating'."

However, some insiders believe that Tianjin's interest rate hike is just a "gust of wind" for four reasons:

First, because Tianjin mortgage interest rate has been lower than other cities;

Second, due to the decline in transaction volume, the major banks have insufficient contacts and the quota is still abundant.

Third, this is not in line with the fundamentals of Tianjin's property market policy relaxation.

Moreover, banks are also enterprises, and there is also market competition.

Is the increase in Tianjin mortgage interest rate a "flash in the pan" or a signal of tightening? What impact will it have on the Tianjin property market? ..... This Saturday (June 22nd) afternoon, the 63rd issue of 365 Fang Tao Private Club will have a more comprehensive interpretation!