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The latest first mortgage interest rate list 2018 home buyers how to choose a bank loan?

Time: 2018-01-10         Source: Financial 360 original         Author: Sailor Moon

Financial 360 monitoring data show that in December 2017 the country's first home loan average interest rate of 5.38%, equivalent to 1.098 times the benchmark interest rate, the chain increased by 0.37% in November; the same period last year, the first home loan average interest rate of 4.45%, up 20.89%. Among the 35 cities monitored by the first 360 in the average monthly average loan interest rate, the lowest for this month, Xiamen 4.96%, the highest value of Zhengzhou is still up to 5.77%.

  Bank interest rates rose sharply slowed down, the ability to dividend loans

Among them, among the 533 banks in 35 cities across the country, the interest rate of the first-home loans of 441 banks was the same as that of the previous month, accounting for 82.74%. In addition, a total of 47 branches (branches) suspended their first mortgage business, down 9 from the previous month.

By the end of the year, the tendency of the banks to float their mortgage rates was somewhat slowed down. The deployment of a new credit line in January will temporarily solve the demand of some of those queuing up for loans. However, since 2017, it is more and more difficult for banks to absorb deposits. Deposits reflect the ability of a bank to capitalize. As the credit industry as a whole tightens, the differentiation and competition among banks become even more pronounced.

According to the data from the central bank, the deposit amount of large Chinese banks is significantly higher than that of medium and small Chinese banks, and the deposits of the four major national banks are also relatively high. In other words, Chinese small and medium-sized banks are under greater pressure to deposit and face the limit Insufficient problems are more serious.

  2018 mortgage interest rates still have room to rise

In the recent year, the mortgage interest rate has risen steadily. Compared with the first-tier cities such as Guangzhou, Shenzhen and Nanjing, the second-tier cities such as Nanjing and Nanjing have been on the rise even more. According to the statistics of 360, the interest rates of these three cities have risen 15%360 room to meltJun (fangdai123) think,It is very likely that other cities will follow up this year. At the same time as the overall credit policy tightened, mortgage lending costs increase, the bank's policy differentiation will be more pronounced.

In the past year, the average first-home mortgage interest rate trend

  Source: Financial 360 big data institute

Just as interest rates go up by 10% and are also rising by 15%, some specific enforcement standards such as loan thresholds and lending rates will also appear to be differentiated.The bank will adjust its own loan interest rate according to its business quota and profit, and select more qualified customers to make loans. Even if your credit is good and your income is up to standard, the interest rate will still be subject to change before the filing is completed.

For buyers who choose to buy a home loan at this time is very important to the bank, the future proposed buyers mainly look at these four points:

  1, see the mortgage interest rate discount efforts

Select banks have to look at the mortgage interest rates, interest rates generally increased now, in December the mortgage interest rate rose more than 20% in 2016 compared to the same period, discount discounts have been extremely valuable, low interest rates and more interest on the province, saving is real money.

  The list of the average interest rate of the first suites nationwide in December is as follows:

  2, look at the loan threshold level

Low interest rates are on the one hand, and paying attention to the low interest rates mentioned here is only relatively speaking, even banks with interest rates below 5% are low. However, low interest rates to meet certain conditions, such as some banks provide quality customers can get a lower interest rate, which may be high-quality borrowers, the borrower's unit of work, income requirements, or provide bachelor degree or above, and some banks for second-hand House age restrictions, such as the longest-selling second-hand housing can not exceed 20 years, with strict bank requirements can not exceed 15 years, there are requirements can not be more than 10 years. So it is important to look at the threshold of a bank loan.

  3, to see the loan rate

Another is the bank loan rate, submitting materials, the bank approval and lending will take some time, many buyers reflect the slow loan, I remember a netizen, to sell the old house for a new home, buy their own house buyers in July last year to apply Of the mortgage, the loan has not come down in October, can not get their own money the end of the house can not pay the new house, only to borrow money with relatives and friends to pay the money, and other loans in November after the buyers pay off paragraph. Loan slowly has become a major problem plagued buyers, wait 3 months count short, 1 month to lend to thank God.

  4, to see the interest rate adjustment

In recent years, the central bank's rate hike projections continue, the most immediate impact of rising interest rates the most mortgage interest rates is increased for the month, the total interest increase, while the specific implementation of the bank depends mainly on the loan contract with the bank requirements, generally have the following Adjustment method:

  First, adjust monthly, If the house bought in June 2015 and the central bank raised interest rates in October last year, the monthly loan will be calculated from the new loan interest rate starting from November.

  Second, adjust year by year, Also known as "next year adjustment", such as the house bought in June 2015, the central bank raised interest rates in October last year, then from January 1, 2018 according to the new interest rates.

  Third, the loan is adjusted after one year, Such as the house bought in June 2015, the central bank raised interest rates in October last year and will not wait until June 2018 to calculate the new interest rates.

  Fourth, a fixed interest rate, Meaning that, when signing the contract, no matter whether the central bank will raise interest rates or cut interest rates thereafter, they all will continue to implement the interest rates written in the contracts. If the interest rate increases, they will not be able to enjoy interest rate concessions and benefits.

For now, the default for most bank mortgage contracts is the second adjustment, which is a year-to-year adjustment. At the time of the election of banks, we should also pay attention to the provisions on the modalities of interest rate adjustment.

Next, if interest rates continue to rise, buyers either accept the float, or give up buying goods housing, choose long-term rental or shared property room, a stronger economic strength to buy a full house, buyers seem to be more intense competition.

Dozens of cities, hundreds of banks, all lending rates, all in the "financial 360" (fangdai123) public number, click on the menu "buy a house tool", with the best interest rates to buy the most favorite house.

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