Near the end of the year, Shenzhen personal housing mortgage loan interest rate has a loose sign. On December 13, China Securities News reporter learned that some small and medium banks have recently lowered the mortgage rate in Shenzhen, and the first home loan interest rate is up to%, and the two housing loans can be minimum.
However, the country with the vast majority of the mortgage, the mortgage market, has not followed down the house loan interest rate.
Individual Bank Money Loan Interest Rate Suspend China Securities News reporter investigates the Shenzhen regional bank housing mortgage market found that there is currently a banking interest rate. "At present, we have the first home loan interest rate of Guangfa Bank here, and the second set is%.
"Shenzhen Futian District, a real estate agent Chen Fan (pseudonym) tells Chinese securities reporters.
He said that the last adjustment is May this year, the first set and the secondary room mortgage interest rate raised 45 base points and 95 base points, respectively,% and%.
In this regard, the Chinese Securities News reporter made a certification to the Guangfa Bank.
The bank of the business department at the Futian District of Shenzhen, said that last week did down the mortgage interest rate in Shenzhen. In the case of personal non-mortgage, the current first and two housing loans are%,%. Subsequently, China Securities News reporters also conducted four state-owned banks and Everbright Banks, Beijing Bank, and Bank of China.
However, the staff of the Bank’s banking departments said that there is currently no notice from the lowest-designed mortgage loan interest rate, still performing the interest rate of the first room% and the second suite. "If other banks are lowered, we will follow up, but there is currently no relevant notice." The relevant person in charge of a shared banking department disclosed. In addition to reducing the mortgage rates, China Securities Journal reporters learned that there are currently more state-owned bank housing mortgages. "After submitting the information to complete the transfer mortgage, it is basically two weeks to complete the loan.
"Bank of China’s business department is said.
Monetary Policy Stability Standards China Securities News reporter noted that there were some cities that had some cities to release the housing loan interest rate. The mainstream mortgage interest rate data released by the Shell Research Institute showed that the mainstream first-room loan interest rate of more than 100 cities monitored in the shell research institute in November, fell 4 base points in October; the second suite loan interest rate is%, fell from October 3 base points. In November, about 30% of the city in key cities down interest rates, the reduction range was expanded from the previous month, mainly covering the Yangtze River Delta city group, Guangdong, Hong Kong and Macau Dashang District.
However, it is worthy of concern that the experience of interest rate looseness is still not obvious for the purchasers.
In fact, there are many cases that have a loose rate of interest rates appear in some small and medium-sized banks, and there are currently no comprehensive follow-up of state-owned banks and national shares in the housing mortgage market. The monetary policy is still stabilizing. On November 22, the latest issue of LPR quotation was released. The People’s Bank of China authorizes the national bank inter-office disassembly centers announced, 1 year LPR%, and the 5-year LPR is%.
As of this quote, LPR has been unchanged in the 19th month. For the case of the recent mortgage interest rate, the part-time researcher of the Financial Institute, the Fudan University Financial Research Institute, said that in recent months, under the guidance of "Bi City Metri" regulation, the housing loan interest rate increased, this There is a certain relationship with real estate financial policies and marginal changes in macroeconomic regulation.
From the future trend, the personal housing loan will improve in the margin, and the mortgage amount will be sufficient supply. The speed of the lending will be accelerated, the mortgage interest rate will be basically stable and hopefully downtown, but the specific area and different banks Policies may be slightly different. CDM statement: All works of "Source: China Securities and Securities Network", copyrights belong to China Securities News.
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