A more flexible market, a more flexible era.

Editor’s note: This article is from WeChat public account Hexun Property (ID: hexunhouse), Author Liu Qingfeng.

“Now there is no fixed interest rate, basically the same as the original.” Xiao Li, a sales project in Beijing, said that the interest rate of the first home loan was 1.1 times higher than 4.9, which is 5.39%, and should now be 5.40%. It is 0.01 percentage points more, which has no effect on the market.

According to the central bank’s announcement on the adjustment of interest rates for newly issued commercial personal housing loans, since October 8, the newly issued commercial personal housing loan interest rate has been based on the pricing rate of the loan market in the most recent month. Add dots to form.

  • The interest rate of the first commercial personal housing loan shall not be lower than the interest rate of the corresponding term loan market.

  • The interest rate of the second set of commercial personal housing loans shall not be lower than the corresponding period loan market price plus 60 basis points.

On the morning of September 20, according to the latest loan market interest rate (LPR) quoted by the National Interbank Funding Center, the 1-year LPR was lowered by 5 basis points to 4.20% from the previous period, and the LPR of 5 years or more was 4.85. %. It is generally believed that this is the minimum standard for mortgage interest rates.

Because the policy has a small impact on the housing loan interest rate, the loan cost of the residents when buying a house is almost no significant difference from the previous one. Therefore, the current real estate market transaction has not had a big impact, but the industry insiders It is believed that the current interest rate changes are in a stable transition period, and the space for subsequent interest rate adjustment will be even greater.

01 Millions of monthly mortgages only increase by 6 yuan

According to the requirements of the central bank, the provincial-level branches should guide the provincial market-level interest rate pricing self-discipline mechanism in accordance with the principle of “city-oriented policy”. Based on the unified national credit policy, the regional real estate market will be determined according to the changes in the local real estate market. The first and second sets of commercial personal housing loan interest rates are added to the lower limit. This means that home loan rates in cities across the country will vary.

On October 8, Shanghai Yiju Real Estate Research Institute released the “China LPR Mortgage Interest Rate Report”, which uses the 1 million loan principal, 30-year term, equal principal and interest as an example. The report shows that 14 cities are After the implementation of the LPR loan interest rate, the monthly supply of the first suite increased by 6 yuan over the past, while the monthly supply of the second suite increased by 15 yuan over the past.

14 cities in October