The interest rate of the first mortgage loan in multiple second- and third -tier cities dropped to 4.25% in the future.

Reporter Peng Yan

On July 11, the People's Government of Sanmenxia City, Henan Province issued the "Several Policies of Sanmenxia Promoting the Sustainable and Healthy Development of the Real Estate Market" (hereinafter referred to as "Several Policies"). In accordance with the regulations of the head office, the personal mortgage loan limit policy is implemented, and the credit quota of personal mortgage loans is encouraged to fight for personal mortgage loans to meet the needs of reasonable housing in residents.

"Securities Daily" reporter sorted out and found that after the LPR adjustment plus the regulatory authorities adjusted the lower limit of the first mortgage interest rate, the number of regions with the first home loan rate fell to 4.25%, which was mainly concentrated in second- and third -tier cities.

Recently, the reporter learned from many banks in some regions that the current loan interest rates of the 4.25%minimum home of the 4.25%of the banks have also attached conditions. Only customers who meet the conditions can enjoy the lowest interest rate.

Wen Bin, chief economist and dean of Minsheng Bank, told reporters that the regulation and control policy of real estate is to insist on housing to live in housing and implement policies. Therefore, localities will adopt regulation policies based on the local real estate sales situation. Affected by factors such as the previous limit of the low limit of the mortgage and LPR reduction of more than five -year periods, the main purpose of stabilizing the real estate market expectations for cities with weak real estate sales, including purchase restrictions and reducing interest rates. Whether the future mortgage interest rate is further declined depends on whether the sales of real estate in the third quarter really recovered.

The first home loan interest rate

The downs of second and third -tier cities is obvious

Since July, house purchase support policies have been introduced in many places. On July 11, the People's Government of Sanmenxia City, Henan Province issued the "Several Policies" to support municipal banking financial institutions to implement the personal mortgage loan limit interest rate policy in accordance with the regulations of the head office, and encouraged to strive for personal mortgage loan credit quotas from superiors. On July 8th, Changchun City, Jilin Province issued the "Notice of further promoting the steady development of the real estate market", which proposed that the lower limit of the first home loan interest rate was adjusted to not lower than the corresponding time limit loan market quotation interest rate.

According to statistics from reporters, since this year, some banks in Chongqing, Ningbo, Shenyang and other places have implemented a minimum of 4.25%of the first home loan interest rates. At present, some banks have attached conditions to the 4.25%minimum home loan interest rate. Only customers who meet the conditions can enjoy the lowest interest rate.

For example, a loan manager of a state -owned bank in Changchun City, Jilin Province told reporters that for the new house, only the real estate listed in the white list of the bank can apply for a 4.25%minimum home loan interest rate; for second -hand housing, applying 4.25 to 4.25 The prerequisite for the minimum first home loan interest rate is to find an intermediary agency that cooperates with the bank.

"4.25%of the first mortgage interest rate is generally to buy new houses to enjoy, and can only buy designated cooperation real estate, and the first home loan interest rate of second -hand houses is 4.45%." A state -owned bank staff member of Jiangmen City, Guangdong Province revealed.

It is worth noting that the interest rate of the first home loan loan in some first -tier cities has not changed significantly. A loan personnel from a state -owned bank in Beijing said, "At present, the Beijing area 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%, and the interest rate of the first home loan is 5%."

The situation of Shanghai and other places is similar to Beijing. Most banks add a little floating on the basis of LPR to maintain within 55 basis points, which basically remain stable. The reporter learned from some banks in Shanghai that the current loan interest rate of the first house is still 4.8%(LPR4.45%+35 basis points).

Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Urban Rule of Provincial Urban Rules, told the Securities Daily that the interest rate reduction is mainly related to the policy of urban policies in many places.

Future mortgage interest rate

It may continue to continue the downward situation

Yan Yuejin, the research director of the Think Tank Center of the E -House Research Institute, believes that the possibility of low interest rates in cities with a large increase in interest rates in the short period of time is lower, and cities that have not lowered interest rates may have room to reduce.

"The overall mortgage interest rate is definitely in a state of down reduction, because the revenue of residents is now declining, and it is a long -term trend to reduce monthly supply and reduce transaction costs. However, different cities are different. Of course Decisions, the frequency of changes will become higher and higher, "Li Yujia said.

Wen Bin said whether the future mortgage interest rate has further declined depends on whether the sales of real estate in the third quarter have really recovered. If the real estate market continues to stabilize the rebound in the third quarter, the interest rate may maintain a relatively stable stability at a certain stage. If the growth of housing loans in the third quarter, including the sales and investment of real estate, will not be ruled out to reduce the cost of buying a house by lowering interest rates, and better meet the demand for buying houses that are just needed and improved.

According to data from Shell Research Institute, 56%of the 103 cities monitored by Shell Research Institute in June have fallen to the lower limit, which has reduced the loan cost of home buyers to the greatest extent. In the process of this round of mortgage interest rates, the interest rate of third- and fourth -tier cities was reduced, which shows that banks have greater support for housing in third- and fourth -tier cities. In addition, there are still urban mortgage interest rates higher than the lower limit, and there is still room for adjustment in the future.

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