The four major banks took the lead in lowering the interest rate of the first home loan and the second home loan of China Bank, Bank of Communications, Minsheng Bank, China Everbright Bank, China Merchants Bank, Industrial Bank and Jinshang Bank, respectively, were 5.3% and 5.5%. Construction Bank is 5.3% and 5.45% respectively; ICBC is 5.4% and 5.5% respectively; Agricultural Bank of China is 5.4% and 5.6% respectively. As for the lending time, the new house loan is about 1-2 months, the Postal Savings Bank will delay it to 3 months, and the second-hand houses are mostly 2-3 months. ICBC, Huaxia Bank and Minsheng Bank can advance it to 1 month at the earliest. At present, mortgage approval is relatively strict, and the thresholds of credit, income and running water are relatively strict.
In other cities, policies, including down payment, have been introduced one after another, sending a message: real estate has begun to take a looser and broader route. "But this policy will not be flooded, and it still emphasizes the characteristics of pertinence and practicality. Therefore, we should not expect that this interest rate cut will bring a surprising and exciting situation and have a huge effect. So it remains to be seen how long this interest rate will be lowered. It is not necessarily a comprehensive and long-term continuous policy. It is necessary to make good use of this window period and quickly adjust your home purchase plan. " Zhu Xiaohong said.
Mortgage interest rate refers to the loan with real estate in the bank, and the interest is paid according to the interest rate stipulated by the bank. China's mortgage interest rate is uniformly stipulated by the People's Bank of China, and all commercial banks can float within a certain range.
The mortgage interest rate in China is not always constant, but often changes. The form is that interest rates have been rising, so we often compare the situation before and after raising interest rates.
2065438+June 7, 2002, the central bank issued an urgent document to commercial banks, requiring that the lower limit of the floating range of individual housing loan interest rate of commercial banks should still be 0.7 times of the benchmark interest rate. Commercial banks will implement the new interest rate: if the loan term is more than one year, the loan interest rate will be adjusted once a year, and it will be 65438+ 10/0 in June. If the benchmark interest rate is not adjusted within the loan term, the loan interest rate will not be adjusted. On March 20 17, Beijing 16 Bank cancelled the 10% discount on the first home loan interest rate and adjusted the first home loan interest rate to 9.5%.