"Rest interest rates" again!Buyers have repaid their loans in advance!Is it cost -effective?Expert reminder →

In the past two years, the interest rate of mortgages in various cities has been significantly reduced, and a phenomenon has recently appeared. Some buyers repay the loan in advance. For example, the loan was slowly repaid in 20 years.

Ms. Mao and Mr. Wu were a post -90s couple living in Shanghai. In October 2021, they bought a new house in his hometown Hefei, with a mortgage of nearly 2 million yuan. Recently, they plan to pay the remaining loans in advance.

Miss Mao Mao: At that time, I did not expect to buy a high interest rate, so there was no way. If you want to pay less interest, you can only repay the loan in advance.

Ms. Mao calculated the account to reporters. When they bought a house last year, because the Hefei property market was more hot, the mortgage interest rate policy was 1.23%on the basis of LPR at that time, and the current policy has become LPR minus 0.2%. This has caused their actual interest rate to pay interest rates significantly higher than the current interest rate.

Miss Mao Buyer: The interest rate of buying a house is only 4.1%now, which is about 1.43%. There are about 60,000 to 700,000 yuan, and basically pay for interest of 600,000 to 700,000 yuan.

Multi -local bank reduction housing loan interest rate

Beijing's first house interest rate entered the "4 era"

On August 22, the People's Bank of China authorized the National Bank of China Interbank Borrowing Center to announce that the loan market quotation interest rate (LPR) was: one -year LPR was 3.65%, and the LPR of more than 5 years was 4.3%, which were 5.3%. Base points and 15 basis points, this is also the third time that LPR of more than 5 years has been lowered this year.

The reporter called and visited bank branches and outlets in multiple regions, and learned that most banks' first mortgage interest rates were lowered with LPR for more than 5 years. The first home loan interest rates of the four major first -tier cities in Beijing, Shanghai, Guangzhou and Shenzhen collectively entered the "4th era", and the first settlement interest rate of the first home loan in Suzhou, Hohhot and other places fell to 4.1%.

"At present, various banks in Beijing are implemented with 55 basis points for the first house business loan interest rate, and 105 basis points for two sets of household loans." A loan commissioner in Beijing area in Beijing told reporters, "After this LPR adjustment, in this LPR adjustment, after the adjustment On the basis of unchanged, the lower limit of the interest rate of Beijing's first home loan fell to 4.85%. "

The interest rate of the first and two sets of mortgages in Guangzhou has also been further explored, and the minimum loan interest rate can be reduced to 4.3%. In addition to some foreign banks, the first home loan interest rate of mainstream commercial banks in Guangzhou generally reduced to about 4.5%, and the interest rate of the second home loan was maintained between 4.9%-5.05%.

In Shanghai and Shenzhen, the mortgage interest rate is steadily adjusted with the adjustment of LPR, which remains unchanged. After the adjustment of this region in Shanghai, the first home loan interest rate fell to 4.65%, and the lower limit of the interest rate in Shenzhen was adjusted to 4.6%, that is, 35 and 30 basis points were added based on the latest 5 -year LPR.

The minimum interest rate in Suzhou, Hohhot and other places fell to 4.1%.

"At present, the first home loan interest rate can be applied for 4.1%, which is the lowest price." Said a loan personnel in Suzhou, "If the customer has no other mortgage nationwide, the down payment ratio is 30%. Customers, the down payment ratio can be reduced to 20 %. "

In May of this year, the Central Bank and the Banking Insurance Regulatory Commission jointly issued the "Notice on Adjusting Differential Housing Credit Policy". For residents who purchase ordinary houses for loans, the first set of housing commercial personal housing loan interest rates were adjusted to not less than less than less than less The corresponding period LPR minus 20 basis points.

The reporter learned in the previous survey that after the notice was issued, Suzhou, Tianjin, Zhengzhou, Qingdao, Hohhot, Changsha, Wuhan and other cities all the banks have adjusted the lower limit of the first mortgage interest rate to the LPR-20 base point for the first mortgage interest rate to more than 5 years. s level. Therefore, after this LPR reduction, the minimum interest rate of the first mortgage in many places can be reduced to 4.1%.

Is it cost -effective to repay in advance?

At the current interest rate level, is it cost -effective to repay in advance? Is it the best choice at the moment? Professionals point out that considering in multiple aspects in combination with personal circumstances.

Huang Dazhi, a researcher at the Star Financial Research Institute: Whether to repay the loan in advance is essentially the choice of use of funds in different periods. Mortgage loans are a minority of domestic residents that can use low interest rates plus leverage. When a sum of money is used for investment and can obtain higher income than housing loan interest rates, or if they can obtain "higher expected" revenue, naturally will not naturally not be able to obtain "higher" benefits. Choose to repay the loan in advance. Ma Xiangyun, chief analyst of Changjiang Securities Banking Industry: If there are more cash cash on hand, the expected return on investment in the future is relatively low. In this case, it is also incomparable to return mortgage loans in advance, but mortgage loans are a amount after all. The relatively large and long period of financing, we believe that we cannot simply consider the short -term yield, and we must also consider the period of futures, the risk of re -financing in the future, and the financial arrangements of the entire family. Essence

(Source: CCTV Finance, Economic Reference News)

【Edit: Shang Pei】

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