Minimum 4.6%!What are the new changes in Guangzhou mortgage?

Text/Yangcheng Evening News all -media reporter Dai Manman

How does the financial institution of Guangzhou implement differentiated housing credit policies? A few days ago, the reporter learned from the Guangzhou Branch of the People's Bank of China that the banks in Guangzhou insist on the positioning of "housing and not frying", maintaining a stable real estate loan, and continuously optimizing the housing supply structure to better meet the reasonable housing needs of residents. From January to May this year, the marginal improvement in real estate loans in Guangzhou, real estate development loans increased by 6.332 billion yuan, and personal housing loans increased by 21.879 billion yuan.

Mortgage supports rigid and improved housing needs

In fact, from the sound of market feedback, there is no significant change in the mainstream and minimum interest rates of Guangzhou housing loans. Among them, the four major bank loan interest rates still perform the first house on the basis of LPR (ie 5.4%), and the second. The suite floats 100 basis points (ie 5.6%) on the basis of LPR. The first set of mortgage interest rates of HSBC and Standard Chartered banks execute the LRP benchmark (ie 4.6%), and the two sets of mortgage interest rates float 80 basis points (ie 5.2%) on the basis of LPR.

In accordance with the principle of "policy of the city", focusing on the goal of "stable price, stable house prices, and stable expectations", and adhere to the "housing housing does not speculate", how does Guangzhou reasonably determine differentiated housing credit policies and meet the reasonable housing needs of Guangzhou residents?

In the "unchanged" of the mainstream mortgage interest rate, the reporter from Yangcheng Evening News saw information from supervision that some banks have begun to support rigid and improved housing needs.

Among them, Guangfa Bank focused on supporting the reasonable housing needs of new needs and improving customers, and steadily launched a personal housing mortgage loan business. From January to April 2022, a total of 1.205 billion yuan of personal housing mortgage loans were issued, of which 1.144 billion yuan of mortgage loans were issued, accounting for 94.9%.

The Bank of Communications Guangdong Branch provides the first house mortgage credit for the new citizens of Guangzhou, giving support for preferential interest rates, green approval channels, and advance repayment and exemption liquidated damages. At the same time, credit services are provided for new citizens to purchase reasonable needs such as furniture and home appliances during the transitional stage of entering the city and settlement.

Increase support for the housing rental market

Actively cooperate with the requirements of the national optimized housing supply structure. The Guangzhou Branch of the People's Bank of China stated that it guides financial institutions to optimize real estate and financial business structures and increase support and service for the housing rental market. At the same time, the implementation of affordable rental housing projects are not included in the management policy of real estate loan concentration, so that banks can obtain more space in maintaining the stability of real estate financing, alleviate the pressure of housing enterprises, and improve the real estate financing environment.

The Guangzhou Branch of Construction Bank gives 4.2%of the preferential interest rate of the government's initial intention to include the project of the government. At present, the bank's housing rental loan balance is about 6.6 billion yuan, supports nearly 80 housing rental projects, and serves about 100,000 people to live in Yangcheng. In addition, the development of the REITs project of affordable rental housing will provide more financial supply for the construction of affordable housing in Guangzhou, and promote the high -quality development of the housing rental market.

Industrial Bank Guangzhou Branch has supported special products, approval authorization and preferential interest rates around the entire process of renting, development and operation of rental housing, and increased financial support for rental housing development. As of the end of April 2022, various methods such as project loans, Beijin Institute's debt financing plan, and bond investment have provided more than 1 billion yuan in funding support for Guangzhou's housing leasing field.

People's Bank of China Guangzhou Branch: Do not blindly draw loans, break loans, press loan, do not engage in "one -size -fits -all"

The Guangzhou Branch of the People's Bank of China guides the financial institutions in its jurisdiction to accurately grasp and implement the macro -prudential management system of real estate and finance, ensure that real estate credit is stable and orderly. Enterprise risk disposal project. Guide banking institutions to cooperate with local governments to optimize the management of pre -sale funds for commercial housing. On the premise of ensuring the pre -sale supervision account funds to pay the project funds, we should take into account the demand for allocating account funds for housing and enterprise to improve the efficiency of pre -sale funds.

Agricultural Bank of China Guangzhou Branch is steadily, orderly, and rhythmically arranged real estate loans to reasonably meet the funding needs of the "insurance delivery" project, focusing on supporting housing development projects, urban renewal projects, and high -quality housing companies encouraged by the country Reorganization and affordable rental housing projects.

Source | Yangcheng Evening News · Yangcheng School

Responsible editor | Pan Liang

School Division | Li Hongyu

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