The central bank issued a notice saying that since June 8, 1965, at 438+09,65,438+00, the quoted interest rate of the loan market in the last month has been added as the pricing benchmark, forming a new commercial personal housing loan interest rate, and this adjustment will have a certain impact on the mortgage market. However, the person in charge of the central bank said that compared with before the reform, the interest expenses of households applying for individual housing loans were basically unaffected. According to the announcement of the central bank, the interest rate of the first set of new personal loans shall not be lower than 4.85%, and the second set shall not be lower than 5.45%. At present, the mainstream interest rate of the first home loan in Beijing is still 4.90% of the benchmark interest rate, that is, 10%, that is, 5.39%; The second home loan interest rate is 20% higher than the benchmark interest rate, that is, 5.88%.
Therefore, after the implementation of the new regulations, even if the existing interest rate level remains unchanged, it will certainly meet the requirements.