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The latest first-home loan interest rate rankings How to choose a bank to buy a house loan in 2018?

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

According to the 360 ​​monitoring data, the average interest rate of the first home loan in the country in December 2017 was 5.38%, which was equivalent to the benchmark interest rate of 1.098 times, up 0.37% from November. The average interest rate of the first home loan in December last year was 4.45%, up 20.89%. Among the average interest rates of the first home loans in 35 cities monitored by Rong 360, the lowest value of this month was 4.96% in Xiamen, and the highest value was still 5.77% in Zhengzhou.

  Bank interest rates have risen sharply, and the ability to lend

Among them, among the 533 banks in 35 cities across the country, 441 bank first-home loan interest rates were the same as last month, accounting for 82.74%. In addition, a total of 47 bank branches (sub-branches) suspended the acceptance of the first-home loan business, which was reduced by 9 bank branches.

At the end of the year, the momentum of the floating interest rate on the bank's floating house slowed down. In January, the new credit line was redeployed to temporarily solve the needs of some people waiting in line for the loan. However, since 2017, banks have become more and more difficult to absorb deposits. Deposits can reflect the bank's ability to reserve funds. Under the overall tightening trend of the credit industry, the differentiation and competition between banks has become more apparent.

According to the data of the central bank, the deposits of large-scale Chinese banks are significantly higher than those of Chinese-funded small and medium-sized banks. The deposits of the four major national banks are relatively high. That is to say, Chinese-funded small and medium-sized banks are under greater pressure to absorb deposits and face quotas. The problem of insufficient is also more serious.

  2018 mortgage interest rates still have room to rise

Throughout the past year, mortgage interest rates have risen steadily. Relative to the first-tier cities in the north, the second-tier cities such as Suzhou, Nanjing, and Wuhan have seen a larger increase. According to 360 data, the interest rates of the three cities have risen. 15%,Rong 360 said roomJun (fangdai123) believes thatIt is very likely that other cities will follow up this year. At the same time, as the overall credit policy tightens, the cost of mortgage lending increases, and the policy differentiation between banks will become more apparent.

The average interest rate trend of the first home loan in China in recent year

  Source: Rong 360 Big Data Research Institute

Just as interest rates have risen by 10% and have risen by 15%, some specific implementation standards such as loan thresholds and loan speeds will also be differentiated.The bank will adjust the loan interest rate according to its own business quota and profit, and select the high-quality customer loans in a more targeted manner. Even if your credit is good and the income is up to standard, the interest rate may change before the completion of the filing.

For buyers, it is very important to buy a house loan at this time. In the future, buyers are advised to look at these four points:

  1. See the preferential rate of mortgage interest rate

The bank chose to look at the mortgage interest rate. Now the interest rate is generally rising. The interest rate on mortgages in December has risen by more than 20% compared with 2016. The preferential discounts have been extremely precious. The interest rate is lower and the interest rate is higher. The savings are real money.

  The list of national first-home average interest rates in December is as follows:

  2, look at the level of the loan threshold

Low interest rates are on the one hand. Note that the low interest rates mentioned here are only relatively speaking. Banks with interest rates below 5% are even lower. However, to obtain low interest rates, certain conditions must also be met. For example, some banks require high-quality customers to obtain lower interest rates. Among them, high-quality customers may be required for the borrower's work unit, income, or a bachelor's degree or higher, and some banks may use There are restrictions on the age of the house. For example, the second-hand house can be no longer than 20 years, and the strict bank requirements cannot exceed 15 years, and the requirements cannot exceed 10 years. Therefore, it is important to look at the bank threshold for loans.

  3, see the speed of lending

Another one is the bank lending speed. After submitting the materials, the bank approval and lending will take some time. Many buyers report that the lending is slow. I remember a netizen who wants to sell the old house for a new house. The buyer who bought his house applied for it last July. The mortgage, until the loan in October has not come down, I can not get the house payment and can not pay the new house, can only borrow money from relatives and friends, and wait until the buyer’s loan in November is paid off. paragraph. Slow money has become a big problem that plagues buyers. After three months of short-term, it is grateful to be able to lend money within one month.

  4, see the way to adjust interest rates

In the past year, the central bank’s interest rate hike is constantly forecasting. The most direct impact of the interest rate hike on the interest rate increase is the increase in monthly payments and the increase in total interest. The specific implementation of the bank depends mainly on the loan contract requirements signed with the bank. Adjustment method:

  First, adjust monthlyIf, as in June 2015, the house was bought, the central bank raised interest rates in October last year, then the monthly loan will be calculated according to the new loan interest rate from November.

  Second, annual adjustmentIt is also called "the next year's adjustment". For example, if the house was bought in June 2015 and the central bank raised interest rates in October last year, it will be calculated according to the new interest rate from January 1, 2018.

  Third, the loan is adjusted after one year.For example, the house bought in June 2015, the central bank raised interest rates in October last year, and will wait until June 2018 to calculate the new interest rate.

  Fourth, fixed interest rateThe meaning is that when signing a contract, it is stipulated that regardless of whether the central bank raises interest rates or cuts interest rates in the future, it will continue to execute according to the interest rate written in the contract. If the interest rate is raised, it will be fine, and interest rate cuts will not be eligible for interest rate concessions.

At present, most bank mortgage contracts default to the second adjustment method, which is adjusted annually. When choosing a bank, you should also pay attention to the regulations on how to adjust interest rates.

Next, if the interest rate continues to rise, the buyers will either accept the upswing, or give up buying commercial housing, choose long-term housing or shared property housing, and the economic strength will be stronger to buy the house, the competition between buyers seems to be more intense.

Dozens of cities, hundreds of banks, all loan interest rates, all in the "Fin 360 said room" (fangdai123) public number, click on the menu "buy a house tool", use the most favorable interest rate, buy the most favorite house.

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