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The latest first-home loan interest rate rankings, interest rate rises are just in need of accidental injury!

Time: 2018-05-10         Source: Rong 360 original         Author: Sailor Moon

According to the latest data from Rong 360, the average interest rate of the first home loan in April 2018 was 5.56%, which was equivalent to the benchmark interest rate of 1.135 times, up 0.91% from March, and the average interest rate of the first home loan in April last year was 4.52%, up 23.01%. .

Among the 35 cities monitored, the lowest interest rate for the first suite was 5.13% in Shanghai and the highest was 5.96% in Zhengzhou.

The central bank lowered the funds for the bank to release funds, but the future mortgage interest rate is still a big trend

On April 17, the central bank announced that it would reduce the rate of some banks by 1%. Compared with the previous 0.5% reduction, this time the rate is not small, releasing about 400 billion yuan of incremental funds, which means that the bank can use more funds. More, the cost of capital is also lower. Some people may ask, after this RRR cut, can the mortgage interest rate drop?

According to data from 360 monitoring, in April, among the 533 banks in 35 cities across the country, 76 bank branches (sub-banks) saw the first home loan interest rate increase, accounting for 14.26%, a decrease of 22 banks (previously) ); the interest rate of the first home loan of 454 bank branches was the same as that of the previous month, accounting for 85.18%. A total of 26 bank branches (sub-branches) suspended their first-home loan business this month, reducing two bank branches (branch) from last month.

From the above data, it is not difficult to see that on the bank side, the number of banks with rising interest rates is decreasing, but the overall trend is still rising.Rong 360 said roomJun believes that after the central bank's RRR cut, the bank's available quota will increase, which will help reduce the mortgage interest rate in the short term. However, in the long run, the effect is limited. There are two main reasons:

  First, from the explanation given by the central bank officialThe RRR cut is to increase liquidity and reduce the risk of insufficient funds in the bank. In fact, it is to maintain the stable operation of the banking system. After all, it is not a long-term task for the bank to stay dead. It is also appropriate to help. However, the central bank also stressed that the principle of "dwelling in housing and not speculating" will not change, and the general direction will still prevent funds from entering the property market. Moreover, according to past monetary policy experience, the future capital cost of banks mainly depends on MLF and reverse repurchase operations, and the effect of RRR cuts on interest rates is limited.

  Second, from the bank's own business perspectiveAlthough the probability of bad debts in the mortgage business is low, but the profit is limited, it is not the most profitable business. In addition, housing leasing is a big opportunity for banks in the context of the housing policy shifting to rents and rents, and most housing enterprises are beginning to involve renting. For example, before CCB launched rent loans in Shenzhen and Beijing, recently four banks in Beijing have piloted collective land lease loans and determined financing options. There are increasing signs that banks are adjusting their credit structure and reducing their reliance on home loans.

The interest rate is upset and the part is just needed

From January 2017 to the present, the average interest rate of the first suites in the country has risen for 16 consecutive months. For the buyers, the interest rate rise means that the monthly pressure on loans increases, and the overall interest rate increases. The most direct impact is the increase. The cost of buying a house.

Taking Beijing as an example, the average loan amount for the first suite is 2 million to 3 million yuan. The first set of personal mortgage interest rates has risen from the initial 8.5 percent to 1.1 times now. If the loan is 2 million, the term is 30 years, according to the previous interest rate of 8.5. If the discount is calculated, it will be 9745.36 yuan per month, and the total interest will be about 1.5 million. According to the interest rate, it will increase by 10%, and it will be 11218.13 yuan per month. The total interest is about 2.03 million. Now it costs more than several hundred thousand yuan to buy a house. The monthly supply is also more than 1,000 yuan. For families with limited economic capacity, the pressure is not small.

The interest rate rise is undoubtedly a temporary injury to some of the just-needed needs. I was still hesitant before I wanted to wait for the house price to drop and buy a house. As a result, the mortgage interest rate went up. Not only did I save money, but the interest on the light was hundreds of thousands more. Therefore, there are already buyers who choose to buy a house. For them, waiting may mean spending more money.

I love the report released by our Market Research Institute. In April 2018, Beijing's second-hand housing network signed 13,673 sets, an increase of 22.6% from the previous month. The net signing volume also reached the highest value in the 12 months from May last year to the present. Compared with the volume, the price is relatively stable, and there is basically no fluctuation.

Rong 360 said that Fang Jun feels that if the funds are still enough and there is housing demand, buy it early.In the future, there are too many uncertainties in the property market. In terms of mortgage interest rates, the interest rate rise is a big trend. In addition, the bank’s review of lenders has become stricter, the loan cycle has been lengthened, and earlier shots may be able to withstand it. .

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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