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The latest first-home loan interest rate rankings Why do you have to pay hundreds of thousands more for house prices?

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

According to the latest data of Rong360, the average interest rate of the first home loan in China in January 2018 was 5.43%, which was equivalent to the benchmark interest rate of 1.11 times, up 0.93% from December 2017. The average interest rate of the first home loan in January last year was 4.46%. 21.75%. Among the 35 cities monitored, the lowest average interest rate for the first home loan was 4.96% in Xiamen, and the highest was 5.84% in Zhengzhou.

  The new quota was released at the beginning of the year, and the bank resumed the expansion of the mortgage business.

Among the 533 banks in 35 cities across the country, 73 banks' first-home loan interest rates rose, accounting for 13.70%; 10 banks' first-home loan interest rates fell, accounting for 1.88%; 441 banks' first-home loan interest rates and The month was flat, accounting for 81.05%.

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

In addition, a total of 37 bank branches (sub-banks) suspended their first-home loan business this month, a decrease of 10 from 47 in the previous month.

As the bank entered a new year, the bank released a new quota, and some banks resumed the previously suspended mortgage business. On the one hand, they 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 mortgage interest rates in first-tier cities, and the interest rates in first- and second-tier cities were clearly differentiated.

On the last day of January, the four major banks of Guangzhou, China, Agriculture, Industry and Construction also said that the interest rate of the first suite will rise by 10% from the 1st of February (the original 5%). At the beginning of the year, the bank mortgage interest rate will not be adjusted significantly. Why did the four major banks raise interest rates at the same time this year? Rong 360 said that Fang Jun believes that there are two main reasons:

  First, since the beginning of last year, the bank’s supervision over mortgages has become stricter.The overall size of the bank's own funds is much more tense than in previous years. In the first quarter of the previous two years, banks have been over-supplied in the mortgage business, causing irrational rises in housing prices in hot cities. Therefore, in order to avoid this situation in housing prices in 2018, it is necessary to curb investment demand at the beginning of the year. Good vaccination.

  Second, the previous Central Economic Work Conference emphasized "maintaining the main valve of money supply and maintaining a reasonable growth in the scale of money and credit and social financing,"Therefore, what banks need to do is to control the scale of credit, and the business structure. In the future, funds should flow more to small and medium-sized enterprises, eco-city construction and other physical fields, so as to avoid excessive capital flow to the property market.

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

  First, the first-tier cities in the past two years have taken the lead in introducing credit-limiting and purchase-restriction policies.The overall goal is clear, and the treatment of restrictive policies has been relatively mature; while the hot-selling second-tier cities have introduced restrictive policies after the housing prices have risen, and some cities have restricted purchases and loans in some areas. The situation is more complicated, and the continuous investigation and improvement of the gaps Policy, processing requires a process.

  Second, with the concept of regional coordinated developmentThe population flow is no longer concentrated only in the first-tier cities, but also scattered to the hot-spot second-tier cities. The demand for home purchases is increasing, and the local housing prices are rising more. Maintaining the mortgage interest rate at a relatively high level can meet the purchase restriction policy to curb investment demand.

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

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

For example, if the loan is 1 million, the term is 30 years, according to the interest rate of 8.5 percent at the beginning of last year, it will be 4,876.68 yuan per month, and the total interest will be about 754,000. According to the interest rate, 10%, each The monthly price is 5,609.07 yuan, and the total interest is about 1.019 million. At the beginning of this year, it will cost hundreds of thousands of yuan more than the purchase of houses at the beginning of last year. The monthly supply will be several hundred more. The loan amount is high, and the total interest and monthly supply are higher. The overall cost of buying a house is much higher.

Although the purpose of the loan restriction is to curb the investment demand, it is inevitable that some people will be accidentally injured. Some people want to wait for the price to drop and buy it again a year ago, but it is really counterproductive, and as mentioned above, in order to prevent The rise in housing prices in the first two years of the year,In the first quarter of this year, the bank will pre-empt the vaccination, and interest rates are likely to continue to rise. For the just-needed economy, it is more difficult to buy a house.

  Everyone buying a house should plan as much as possible:

  1. Understand the bank mortgage policy for buying a houseDo a good job in budgeting and pay for it.

  2, while considering the time costIn particular, people who have improved the house change have become the norm. It is necessary to make time planning so as not to sell the first house, but it will not be able to pay the loan and the second house.

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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