Yes, 65438+1October 3 1. According to market news, according to the detailed rules for the dynamic adjustment of the interest rate of the first-home commercial personal housing loan, the lower limit of the annual interest rate of the first-home mortgage loan in Fuzhou is lowered to 3.8%, from 65438+ 10 month.

2. Will the interest rate of the first home loan of Fuzhou Industrial and Commercial Bank be lowered below the benchmark interest rate?

I will.

The bank loan interest rate is comprehensively evaluated according to the credit situation of the loan, and the loan interest rate level is determined according to the credit situation, collateral and national policy (whether it is the first suite). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1. 1 times the benchmark interest rate. Since 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. In late March, Bank of China, Agricultural Bank of China, ICBC and other state-owned banks began to implement the first home loan interest rate concessions. The interest rate discount of some banks can be up to 15%. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. The interest rate for more than five years is 7.05%, and the preferential monthly interest rate is 7.05%0.85/ 12.

Third, if the interest rate drops, will the mortgage interest rate drop accordingly?

1, the mortgage interest rate is lowered uniformly.

If the interest rate of this loan is lowered nationwide, even if the borrower has applied for a loan and is in the repayment stage, there is still a chance to lower the interest rate.

Generally speaking, the loan interest will be recalculated on the borrower's lending date or repricing date, and then the loan contract will be re-signed.

Because for the stock mortgage, the mortgage interest rate is generally adjusted once a year. If the mortgage interest rate is lowered in the previous year, you will not be able to enjoy the benefits of the mortgage interest rate reduction until the second year. The downward adjustment is calculated according to the cumulative downward adjustment of the loan market quotation in the previous year.

It should be noted that the mortgage interest rate is formed by adding LPR as the pricing benchmark. Although LPR will change, once the base point value is determined, it will not change again in the subsequent loan period.

2. The mortgage interest rate is not uniformly lowered.

If it is not a unified downward adjustment, only a single bank or a single region has lowered the mortgage interest rate for some other reasons. Even if the borrower applied for a loan before, the interest rate will not be lowered.

3. Type of loan application

If the loan interest rate drops, whether the mortgage interest rate will drop with it depends on the borrower's loan application type.

The fluctuation of bank loan interest rate can only affect the fluctuation of other bank loan interest rates, but has no effect on provident fund loans. Provident fund loans belong to national welfare loans, and the loan interest rate is uniformly set by the central bank. The bank's loan interest rate has no influence on the provident fund loan interest rate, and there will be no other fluctuations.

In addition, in commercial loans, if the loan interest rate is fixed with the bank, you will not enjoy the benefits of interest rate reduction after the quoted interest rate in the loan market is lowered.

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Extended data:

Why did the loan interest rate drop?

The downward adjustment of bank loan interest rate is the result of market regulation.

If the right to use funds is regarded as a commodity, then the loan interest rate is the price of this commodity, and the fund demanders buy the right to use funds from the fund suppliers at this price.

Due to the slowdown in economic and income growth and the recurrence of the epidemic, many institutions and individuals have become cautious in spending money, so the demand for loans has also declined. In this case, it is necessary and reasonable for banks to lower the loan interest rate and let everyone borrow.