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The Latest First House Loan Rate List Why do you have to pay hundreds of thousands more when prices fall?

Time: 2018-02-08         Source: Rong 360 original         Author: Jada

According to the latest data from Rongrong 360, the average interest rate for the nation's first home loan in January 2018 was 5.43%, equivalent to 1.11 times the benchmark interest rate, which was 0.93% higher than in December 2017; the average first-home loan interest rate was 4.46% higher than last year. 21.75%. Of the 35 cities monitored, the lowest average loan interest rate for the first suite was 4.96% in Xiamen, and the highest was 5.84% in Zhengzhou.

  Released a new amount at the beginning of the year, and the bank resumed the expansion of its home loan business.

Among the 533 banks in 35 cities across the country, the interest rate for the first suite of 73 banks rose, accounting for 13.70%; the lending rate of the first suite of 10 banks fell, which accounted for 1.88%; the interest rate for the first suite of 441 banks was the same as Monthly average, accounting for 81.05%.

As can be seen from the data in the above chart, the bank with the first mortgage loan rate unchanged and floating in January occupied the mainstream.Melt 360 HouseJun (fangdai123) believes that the overall trend in the future is still tight, and it is unlikely that the credit policy will be loose in the short term.

In addition, a total of 37 bank branches (branches) suspended the first mortgage loan business this month, a decrease of 10 compared with 47 last month.

Since the beginning of the new year, banks have released new credits, and some banks have resumed previously suspended mortgage loans. On the one hand, they have met the loan demand waiting in line last year, and on the other hand they can continue to accept new loan applications.

  The four major banks took the lead in raising the mortgage interest rate in the first-tier cities. The interest rates in the first and second-tier cities were significantly different.

On the last day of January, the four major banks in Guangzhou, China, Agriculture, Industry, and Construction also stated that from February 1st the interest rate on the first suite rose by 10% (original 5%). Originally, the bank mortgage interest rates would not have been significantly adjusted at the beginning of the year. Why did the four major banks raise interest rates at the same time this year? Rong Rong said 360 that there are two main reasons:

  First, since the beginning of last year, banks have generally tightened their supervision of mortgage loans.The bank's own overall funding scale is much more intense than in previous years. In the first quarter of the first two quarters, banks put too much money on mortgage loans, causing irrational rises in housing prices in hot-street cities. Therefore, in order to prevent housing prices from recurring in 2018, investment demand should be curbed at the beginning of the year. Good prevention.

  Second, the previous Central Economic Work Conference stressed that “to control the general supply of money supply and maintain a reasonable increase in the scale of monetary credit and social financing”,Therefore, what banks need to do is to control the scale of credit and business structure. In the future, funds must flow to entities such as small and medium-sized micro-enterprises and eco-city construction, so as to avoid excessive funds flowing into the property market.

Looking back at the average interest rates of the first suites in the 35 major cities across the country, cities with higher interest rates are all hot second-tier cities, while the top 10 cities with the lowest interest rates have three first-tier cities on the list. It can be said that there are several first-tier cities in Guangzhou The overall interest rate is at a relatively low level, and the differentiation between first-tier and second-tier cities is more obvious.There are two main reasons:

  First, the first-tier cities in the past two years have taken the lead in introducing limited-loan and limit-purchase policies.The overall goal is clear and the handling of restrictions on policies is relatively mature. Hot second-tier cities have introduced restrictive policies after housing prices have risen, and some cities have restricted purchases of loans in certain regions. The situation is even more complicated, and the gaps are constantly improved. Policies require a process to deal with.

  Second, as the country proposes the concept of regional coordinated developmentPopulation flow is no longer concentrated in first-tier cities. At the same time, it has been dispersed to hot second-tier cities. The demand for home purchases has continued to increase. Local housing prices have risen even more. Maintaining mortgage interest rates at a relatively high level can be used in conjunction with purchase restriction policies to curb investment demand.

  House prices have fallen, but just need to buy a house or more difficult this year

In the first month of this year, interest rates are still rising steadily. The most intuitive experience for home buyers is that house prices have fallen, but buying houses is more expensive.

For example, it becomes even clearer that if the loan is 1 million and the term is 30 years, according to the discount rate of 15% at the beginning of last year, 4872.68 yuan will be returned every month, and the total interest will be about 75.4 million; Month to 5,609.07 yuan, total interest is about 1.019 million, early this year than last year to buy a house to spend hundreds of thousands of interest, the monthly supply will also have to be several hundred more, the high loan line, the total interest and monthly payments is even higher The overall cost of purchasing a home is much higher.

Although the purpose of the restricted loan is to curb investment demand, it will inevitably lead to accidental injury to some of the just-needed. Some people want to wait for a drop in the price of housing after a year ago to be cheaper. However, as this point of view is contrary to expectations, and as mentioned above, in order to prevent The situation of rising house prices in the first two yearsIn the first quarter of this year, banks will advance their shots of prevention. Interest rates are likely to continue to rise. For those with limited financial capacity, buying a home is even more difficult.

  Everyone wants to do a good job planning:

  1. Understand the home loan policy of home purchase, do a good job in capital budgeting and live within your means.

  2, consider the time cost at the same timeIn particular, people who have improved their wards have already become the norm. They must plan their time so that the first house is not sold, but they will not be able to get the loan balance and cannot pay for the second house.

Dozens of cities, hundreds of banks, all loan interest rates, all in the "find 360 housing" (fangdai123) public number, click on the menu "buy house tools", with the best interest rates, buy the most favorite house.

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