The first set of interest rates in first-tier cities fell collectively.
The national second-home loan interest rate fell for two consecutive months.
Recently, news of "loose mortgage interest rate" has come from many places, especially in first-tier cities. First, some commercial banks in Shenzhen cut mortgage interest rates; Later, five new banks were added in Shanghai, and the first suite of HSBC in Guangzhou only rose by 5%. Although there is no mortgage interest rate adjustment in Beijing recently, the current provision of "benchmark interest rate floating 10%" is obviously relaxed compared with the same period of 20 17.
According to the statistics of Rong 360, the average interest rate of the first set of cities in 20 18, 12 * *, 17 has been adjusted back, and the average interest rate of the first set of cities in Beijing, Guangzhou, Shenzhen and most popular second-tier cities has declined to varying degrees. A month ago, that is, 20 18, 1 1, among the four first-tier cities, only Guangzhou and Shenzhen experienced the first interest rate correction. In the first set of national lowest interest rate rankings in 65438+February, Shanghai ranked first, Beijing ranked fourth, Guangzhou ranked ninth, Shenzhen ranked tenth, and Beijing ranked two places higher than165438+1October.
The second home loan interest rate fell earlier than the first home loan interest rate. According to the monitoring data of Rong 360 Big Data Research Institute, the average interest rate of the second home loan in China was 6.04% in 20 18 and 12, which was 2BP lower than last month and has been falling for two consecutive months. 12 The average interest rate of the second home loan decreased by 0.33% from the previous month.
The highest interest rate in Wuhan is June 5438+February.
Harbin has the biggest increase in the whole year.
Regrettably, although the adjustment of mortgage interest rate is a general trend, it does not seem to be transmitted to the whole country. According to the monitoring data of Rong 360 Big Data Research Institute, at 20 18- 12, the average interest rate of the first home loan in Wuhan was the highest in China, down by 2BP from the previous month, and the interest rate of the first home in Wuhan was 6.24%.
Harbin also performed well-the first set of average interest rates rose by 14.0 1% year-on-year, the highest among the 35 cities in China monitored by Rong 360; The lowest is Chongqing, with a year-on-year increase of only 0.04%.
Li Weiyi, a mortgage analyst at Rong 360 Big Data Research Institute, said in an interview with the media, "At present, the mortgage interest rates of first-tier cities in the north, Guangzhou and Shenzhen are showing signs of loosening, whether it is one set or two sets. It is initially expected that other cities in the country will follow up the downward adjustment, but the overall range will not be too large, and the market tone is still stable. "
Guo Yi, chief analyst of Heshuo, pointed out that for property buyers, the ample bank funds and the liberalization of credit lines in the new year will also relax the threshold for mortgage loans. Previously, the mortgage interest rate of 10%- 15% was generally raised nationwide, and the floating part will be gradually recovered, thus reducing the actual purchase cost of buyers.
20 18, Minsheng bank has the most stable interest rate.
Citigroup, China Unicom and China Construction Bank have changed greatly.
After comparing the average interest rates of domestic banks at the beginning and end of the year with 360 15, it is found that at 20 18, the average interest rate of Minsheng Bank has the smallest change, only1.58%; The average interest rate of Citibank rose the highest, with 8.3 1%, followed by China Everbright Bank with 8.26% and China Construction Bank with 7.65%.
Rong 360 big data research institute pointed out that the increase of the average interest rate of banks is related to the preferential margin of banks in the early stage and the floating situation in the later stage. The interest rate adjustment of specific banks in the later period largely depends on the liquidity and business strategy of banks.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that after the RRR cut, the bank's loan policy will tend to be loose, including development loans, personal mortgage loans and even loans in the leasing market. In fact, everyone will face a loose concept, which will help the subsequent transactions in such markets to be active.