The total amount of interest rates and down payment ratios are expected to improve the total amount of credit and structure of the house purchase demand.

Our reporter Zhang Zhiwei

Profile reporter Yang Jie

The supervision announced that the lower limit of the "first set of housing commercial personal housing loan interest rates to not lower than the corresponding period of loan market quotation interest rate (LPR) reduced 20 basis points" is full moon.

According to incomplete statistics, as of now, some banks in at least 13 cities have reduced the interest rate of the first home loan to 4.25%, but the decline in first -tier cities has not declined, only fine -tuning; Loans and provident fund loans), most of the down payment ratio of most first houses fell to 20%.

In this regard, the chief economist of CITIC Securities clearly told the Securities Daily reporter that from the recent credit data, residents' mortgage loans and medium- and long -term loans are low. With a series of real estate related policies, they continue to loosen them. Credit growth will have a significant role in promoting, and the overall credit growth rate of residents will grow in the next few months, thereby further improving the financial data structure.

13 Loan Loan interest rates dropped to 4.25%

Promoting the signal of the property market is obvious

For a month, many banks have adjusted the interest rate of the first home loan one after another.

As of press time, at least Tianjin, Nantong, Suzhou, Qingdao, Jinan, Jinan, Chongqing, Weifang, Tangshan, Huizhou, Xiangyang, Zhuhai, Zhengzhou, Hohhot and other 13 regions have reduced their first home loan interest rates to 4.25%.

A real estate brokerage company agent in Xiangyang City told the Securities Daily that the local bank (such as Everbright Bank) has reduced the interest rate of the first home loan to 4.25%, and most other bank interest rates are about 4.8%; According to the news, the minimum level of the lowest interest rate level of the first home and long -term housing loan after adjustment was 4.25%, which is the lowest level in recent years. The interest rate of the first house loan of the first house of the two places is generally 4.25%, and the interest rate of the second home loan is 5.05%.

However, it is worth noting that the interest rate of the first -tier city loan loan is not obvious. A staff member of a state -owned bank in Beijing said, "At present, Beijing is implemented with LPR plus interest rates, and 55 basis points are added on the basis of more than 5 years of LPR 4.45%. The first home loan interest rate is 5%."

A real estate property consultant in Shenzhen said, "At present, the interest rate of the first home loan has not been adjusted from May 20th. The first set of interest rates in many banks is 4.75%, which basically maintains stability."

The reporter learned from many real estate agencies in Shanghai that the current loan interest rate of the first house in Shanghai is 4.8%(LPR4.45%+35 basis points), which is from 4.95%before the RPR adjustment of more than 5 years.

58 Zhang Bo, Dean of the Branch of Anju House Real Estate Research Institute, said in an interview with a reporter from the Securities Daily that with the reduction of LPR interest rates of more than five years, the interest rate of mortgages in various places has continued to decline, even close to the interest rate limit, which clearly releases signals that boost the property market. Essence

Generally speaking, the subsequent mortgage interest rate may maintain a downward trend, and the local interest rates will continue to decline and close to the lower limit. It will continue to increase the movement of the property market through the financial side force.

The down payment ratio of over 30 cities drops to 20%

Or will improve the total amount of credit and structure

Recently, the local level has actively introduced relevant policies to boost the property market, of which the "reduction of down payment ratio" has become the standard for optimization policies in multiple cities.

Xiangyang City recently issued a notice mentioned that the first house's first payment ratio was adjusted from not less than 30%to no less than 20%, and the proportion of the first payment of the second house was adjusted from not less than 50%to no less than 30%; June 8th; June 8th; June 8th , Henan Province has issued the implementation plan for implementing a policy of stabilizing the economy of the economy. Before the end of June 2022, in cities that do not implement purchase restrictions, residents' families purchase commercial personal housing loans for the first time. For 25%, 5 percentage points can be floated downward; Bengbu City, Anhui Province, issued relevant policies on June 2, with a minimum down payment ratio of the first set of housing to 20%.

At the same time, the down payment ratio of multiple provident funds has also ushered in partial adjustments. On June 7, Anqing City, Anqing City, issued a number of measures. In the administrative area of ​​Anqing City, those who applied for housing provident fund loans to purchase new commercial housing for the first time, the lowest down payment ratio was 20%(the minimum second -hand housing was 30%); Nanchang, Jiangxi Province in Nanchang, Jiangxi Province The city issued a notice on the same day that since June 7, 2022, the purchase of the first ordinary housing (including commercial housing loans to the housing provident fund loan), the minimum down payment ratio is adjusted from 30%to 20%.

Although some areas have not yet released relevant information, the market has reacted.

"About ten days ago, Langfang City lowered the down payment ratio of residential provident fund loans. The first house was reduced from 30%to 20%, consistent with 20%of commercial loans." A consultant in a real estate company in Langfang told reporters.

"Zhuhai currently implements 20 % of the first phase, that is, buying houses in a non -restricted area. Under the premise of non -houseless houses, houses below 144 square meters can be reduced to 20 % down payment." Sales manager of a real estate brokerage company in Zhuhai told reporters.

In addition to the above 7 areas, according to the incomplete sorting out, there are Deyang, Shaoyang, Suining, Xuzhou, Tangshan, Yiyang, Yichun, Ganzhou, Cangzhou, Ya'an, Wenzhou, Xi'an, Huainan, Anyang, Zhenjiang, Six Panshui, Baotou, Baotou , Nantong, Daye, Suqian, Tai'an, Fuyang, Gao'an, Changchun and other 25 regions adjusted the down payment ratio of house purchase. "It is very good to introduce a series of measures from many aspects. While reducing the threshold for house purchase, it stimulates market demand and effectively drives medium- and long -term loan demand, thereby improving the total amount of credit and structure." Research Director Yan Yuejin told reporters.

CITIC Securities believes that in May, financial data has verified the "wide credit" recovery in terms of total amount. Although there are still flaws in the structure, the overall trend is clearer.

At the same time, the agency stated that from the perspective of the loan of the residential department, the medium- and long -term loans increased by 104.7 billion yuan, an increase of 337.9 billion yuan year -on -year, showing that the residents' purchase of houses and leverage is not strong, and housing loan data generally lags behind real estate sales. At present Lowsticks, follow -up will still be warmed up.

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