In January this year, with the reduction of the five-year LPR, banking institutions in Hebei Province lowered personal mortgage loan interest rates as a reference. Entering March, some state-owned banks and joint-stock bank branches, in accordance with market-oriented principles and based on factors such as supply and demand in different regions, asset quality, regional characteristics, etc., have once again lowered the interest rates on personal mortgage loans in Shijiazhuang, Baoding, Chengde, Zhangjiakou and other regions, and provided loans to Home buyers sent favorable red envelopes to fully meet the needs of personal mortgage loans, and other banks also actively followed up with downward adjustments.

According to information from some banks, after the reduction in mortgage interest rates, the average interest rate for personal mortgage loans of most banks has been reduced by 10-20 BP, and the interest rate of personal mortgage loans of some banks has been reduced by more than 30 BP.

“With the lackluster real estate market transactions in some areas of our province, lowering of mortgage interest rates is currently a major trend. Various banks have reached consensus. In the future, based on market conditions, various banks may further lower mortgage interest rates. "The person in charge of the personal loan department of a state-owned bank in Hebei Province said, "Now we can lower the first-home loan interest rate to about 4.9% for high-quality customers in some areas, which is nearly 0.3% lower than last year. The enthusiasm of home buyers for loans is picking up. ".

It is understood that the current personal mortgage loan scale of various banking institutions in the province is sufficient, and as long as the information is complete, you can apply for it at any time and be satisfied at any time.