Recently, it was reported that Zhongyuan Bank launched a mortgage interest rate in Zhengzhou that was lower than LPR for more than five years. On the afternoon of the 27th, Zhongxin Jingwei learned from several business outlets of Zhengzhou Zhongyuan Bank that the bank has launched a preferential mortgage interest rate policy for college students who graduated from Zhengzhou within five years. The interest rate of the first home loan is as low as 4.5%, which is lower than the current LPR quotation of 4.6% for more than five years. The mortgage interest rate for five years or more is lower than LPR, which is rare in the national mortgage market.

As a lender, Zhongxin Jingwei contacted six outlets of Zhongyuan Bank in Jinshui District, Zhongyuan District, Erqi District and Guancheng Huizu District of Zhengzhou City. The loan managers of these outlets confirmed to Zhongxin Jingwei that Zhongyuan Bank lowered the personal housing mortgage interest rate, and the first home loan interest rate was as low as 4.6%, while the first home loan interest rate was as low as 4.5% for customers who graduated from university within five years (full-time college degree or above).

The loan manager of a business outlet in Zhongyuan District of Zhongyuan Bank said: "The mortgage interest rate was only adjusted yesterday (26th), and the first set was reduced to 4.6%. College students who graduate within five years can enjoy an interest rate of 4.5% if the construction area does not exceed 140 square meters. " The loan manager of a business outlet in Guanchenghui District said that both new and second-hand houses can enjoy this preferential loan interest rate.

However, it should be pointed out that Zhongyuan Bank's minimum mortgage interest rate of 4.5% may be different from the previous policies of the People's Bank of China. According to the latest loan market quotation rate released on April 20, 2022, the five-year LPR is 4.6%. "The minimum mortgage interest rate of 4.5% may not meet the policy requirements and the system will not pass. There is uncertainty about whether it can continue to be implemented in the future. " The loan manager of a business outlet in Jinshui District of Zhongyuan Bank revealed to Zhongxin Jingwei.