The interest rate of the first mortgage mortgage of more underground is to 4.25%, will Hangzhou follow up?

The "floor price" camp of the first home loan interest rate expanded. Recently, some banks in Urumqi, Changsha, Zhuhai, Jiangmen and other regions reduced their first mortgage interest rates to 4.25%to be the current "theoretical lower limit" (LPR-20BP). Earlier, Guangzhou, Nanjing, Jinan, Suzhou and other places have all implemented this level.

Will Hangzhou follow up? On the afternoon of July 10, the reporter investigated a number of agencies and banks that the current interest rate in Hangzhou is still 4.45%. The difference is that the number of banks that perform the minimum interest rate have increased, including three state -owned banks. In addition, whether it is pure commercial loan or portfolio loan, the time from approval to lending is shortened.

Pure commercial loan, combined loan loan acceleration

Recently, the manager Chu, a senior intermediary in Hangzhou, found that after several orders on hand, after approval, the banks were loanned in less than 3 working days. Obviously, the bank's quota in personal housing loans is relatively rich.

A store manager of a real estate agency in Xingqiao section bluntly stated that the bank can now achieve "second loan".

I also mentioned that my agent also mentioned, "The recent pure business loan I made is much faster than before. The banks from 7-10 working days have been adjusted to three or five days before."

In contrast, buyers who apply for a portfolio need to wait patiently. "If the city provident fund is about 1 month, it takes 15 days for approval+lending." Said Cao, a senior intermediary, a senior intermediary.

The above manager of the above-mentioned Xingqiao sector mentioned that the port loan lending is not much slower than pure commercial loans. The reason is that a "special channel" with a city commercial bank with a good relationship with the intermediary company. In fact, the lending of the overall banks is quite fast, and the current home buying market is relatively calm. "

"Combined loan approval time is long. At the lending stage, the bank will not get you." I love my intermediary explanation.

In mid -June, Hangzhou issued a notice to increase the support for households without housing employees to solve basic housing problems. The notice mentioned that there is no house in the family name of the employee and no housing loan record. For provident fund loans, the family's maximum loan limit standards rise by 20%.

Among them, the maximum amount of loans to the housing provident fund in Hangzhou urban employees increased from 500,000 yuan to 600,000 yuan, and the maximum amount of loans to the housing provident fund paid housing provident fund increased from 1 million yuan to 1.2 million yuan.

The provident fund withdrawal and approval are shortened, and the need may be able to breathe a little.

Most banks execute the "lowest price"

Since the end of last year, Hangzhou's mortgage interest rate has undergone a small broken step -down downgrade, from the first set of 6.2%and two sets of 6.3%, down all the way to 4.45%and 5.1%. The buyers of "high -level standing" paid more than 1.035 million yuan in interest (calculated based on the first set, pure commercial loan 3 million yuan).

Yesterday afternoon, Orange Persima Interactive reporter conducted a survey on Hangzhou's mortgage interest rate. Compared with mid -late June, the lowest set was still 4.45%, but the number of banks that implemented the interest rate increased 4.60%dropped to 4.45%. In addition, a joint -stock bank and a city commercial bank also adjusted the lowest to 4.45%, which was also 15 BP.

Incontinuous statistics, 12 banks have performed the lowest 4.45%of the first set of interest rates at present. Conversely, the unreasonable banks are already a minority.

Some buyers who just need and improve sexual demand may wait and see: Will you see lower loan interest rates next? First of all, from the perspective of LPR, industry insiders believe that the possibility of re -possibility in the short term is lower, and the lowest interest rate of the lowest interest rate of the first house continues to decline.

Another factor affecting the mortgage interest rate is to add points. "At present, the two sets of interest rates in Hangzhou are 5.1%, and the lowest distance is only 5 BPs. The space for adding a point is not large. As for the first set, it can only be said that there is this possibility. I personally think that there will be no major changes in the short term." A senior intermediary said.

According to data from Shell Research Institute, the interest rates of the first and second sets of mortgages in 58 cities in June fell to the lower limit, and the lower limit of the first and second sets of mortgage interest rates were reduced to 4.25%and 5.05%, respectively.

Source: Urban Express reporter Wang Xiaoxiao

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