Recently, it has been reported that banks continue to raise mortgage interest rates. The interest rate of the first home loan in some cities has risen by as much as 30% on the basis of the benchmark interest rate, and the interest rate of the first home loan in other key cities has risen by 5%- 10% on the basis of the benchmark interest rate.
Nanjing first home loan interest rate rises by 30%
Recently, some property buyers told reporters that when a joint-stock bank applied for a housing loan, the approved interest rate was 30% higher than the benchmark interest rate and the down payment was as high as 50%. According to the buyer, the commercial house is the first suite under its name.
The personal loan specialist of the above-mentioned joint-stock bank said, "It is true that some buyers' loan interest rate for the first suite has risen by 30% on the basis of the benchmark interest rate, but most lenders can still apply for the lowest loan interest rate of 10%.
The staff of the credit department of many banks consulted by the reporter made it clear that apart from the floating interest rate, if you buy a new house, whether you can apply for a loan depends on which property the citizens buy. Only banks can apply for loans. At the same time, the staff of the credit department said that if you buy a second-hand house, the bank will only cooperate with some real estate agents, and individuals cannot apply. The reporter consulted a number of banks and real estate agents and learned that Nanjing's recent lending time is more than three months, or even half a year. Except for banks that stopped lending, the interest rate of the first home loan rose by 5% or 10%, which became the mainstream of the market. At the same time, the loan interest rate approved by many property buyers for reasons such as housing age and housing area has risen by 20%-30% on the basis of the benchmark interest rate.
It is worth mentioning that due to the intensive introduction of various policies recently, the housing transaction volume has slowed down, and the communication between many real estate agents and cooperative banks is not as close as before.
The reporter called the personal loan department of a joint-stock bank as a buyer, and the staff told the reporter: "The lowest interest rate of the first home loan goes up 10%." However, when the reporter consulted a real estate agent, the staff said: "You can apply for a loan interest rate of 5% at the above bank."
When the reporter said that he had consulted the bank and learned that the lowest interest rate was 1. 1 times the benchmark interest rate, the intermediary staff changed their tune and said, "The information introduced by the bank staff shall prevail."
Many cities across the country raised the interest rate of the first home loan.
According to the report released by Rong 360, in July this year, the average interest rate of the first home loan in China rose to 4.99%, equivalent to the benchmark interest rate 1.02 times. This is the first mortgage that returns to the benchmark interest rate nationwide after the comprehensive benchmark interest rate appeared in 2065,438+03. The data shows that from the trend of the average interest rate of the first home loan in China, in July, the average interest rate of the first home loan in China increased by 2.25% from the previous month. It increased by 12.38% compared with 4.44% in July last year.
According to the reporter's investigation, the interest rate of the first home loan in several key cities rose by 5%- 10%.
The increase in mortgage interest rate has raised the threshold for buying a house. Based on the loan of 2 million yuan and the loan period of 25 years, according to the equal principal and interest repayment method, after the benchmark interest rate rose by 65,438+00%, compared with the 15% discount period last year, the interest cost increased by 4,265,438+0603.07 yuan and the monthly payment increased by 65,438+0405.34 yuan.
In addition to the loan interest rate, the speed of lending also makes buyers unbearable. The report released by Rong 360 shows that the credit environment tends to be tense this year, so the pace of bank lending will further slow down in the second half of the year, and it is more likely to face a "freezing period" of bank lending at the end of the year.
Compared with the adjustment of the down payment ratio and interest rate level of the second suite, the first-time home buyers are more sensitive to the adjustment of the interest rate of the first suite. For people who buy new houses, the long loan period is not a big problem; But for people who buy second-hand houses, the long loan period may mean variables.
Recently, some property buyers told reporters: "The real estate agent suggested that I take the initiative to raise interest rates in order to lend money quickly. They said that the bank will handle the examination and approval according to the interest rate from high to low, and I am still hesitating whether to take the initiative to apply. "
In this regard, the bank said that the current mortgage quota is limited, and the monthly quota is used up in less than one week. Others need to wait in line for next month's quota. "In the context of the shortage of quotas, interest rates will naturally increase gradually," said a staff member of a large state-owned bank.
The downward pressure on house prices has increased.
According to the data of the National Bureau of Statistics, in July, the number of cities with flat or falling house prices in 70 large and medium-sized cities increased, and the year-on-year increase of new commercial housing prices in 15 first-tier and hot-spot second-tier cities continued to fall.
According to estimates, among 70 large and medium-sized cities in July, the number of cities with flat or falling house prices increased, especially in first-tier cities. The prices of new commercial housing and second-hand housing both increased by 10 month, and fell by 1.7% and 2.0% respectively in July compared with the previous month. Among them, except Beijing, the price of new commercial housing in Shanghai was the same as last month, with Guangzhou rising by 0.4% and Shenzhen falling by 0.2%.
The data shows that the average transaction price of new houses in Shenzhen in July was 54,446 yuan/square meter, down 0.08% month-on-month and 4.0 1% year-on-year. This is the first consecutive 10 month since last year's "10 4 New Deal". Last year, housing prices in Shenzhen soared by about 20% month-on-month and year-on-year growth rate, but now, prices have gradually returned to rationality.
In the first half of the year, the price of new houses in Beijing also fell by about 10- 15%. The overall price of new commercial housing in Beijing in July decreased by 0. 1% compared with that in June, among which the prices of medium-sized apartments with 90- 144 square meters and large-sized apartments with 144 square meters or more decreased by 0. 1% compared with that in June.
At present, the market generally believes that the property market regulation measures will continue to be introduced in the second half of the year. And the mortgage interest rate may continue to rise. In this context, the downward pressure on housing prices has increased.