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Latest loan interest rate rankings for the first house, interest rate fluctuations are just in need of injury!

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

According to the latest data from Rongrong 360, in April 2018, the average interest rate for the first home loan in the country was 5.56%, which was equivalent to 1.135 times the benchmark interest rate, which was 0.91% higher than the previous month in March, and the average interest rate of the first suite loan in April last year was 4.52%, up 23.1%. .

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

The central bank lowered the standard to release funds for the banks, but the upward trend in mortgage rates in the future is still a major trend

On April 17th, the central bank announced that it would lower the accuracy of some banks by 1%. Compared with the previous reduction of 0.5%, this time is not too small. It has released about 400 billion incremental funds, which means that banks can use more funds. In many cases, the cost of capital is also lower. Some people may ask, after this time, the mortgage interest rate can not be reduced?

The financial monitoring data showed that in April of the 533 banks in 35 cities across the country, the interest rates for the first suites of branches (branches) of 76 banks rose, accounting for 14.26%, and the number of bank loans decreased by 22 compared to the previous month. ) Banks; 454 bank branches (branches) The first house loan interest rate was unchanged from the previous month, accounting for 85.18%. A total of 26 bank branches (branches) this month suspended the acceptance of the first house loan business, which reduced the number of branches (branches) of the two banks compared to the previous month.

From the above data, it is easy to see that, in terms of banks, the number of banks with rising interest rates is decreasing, but the overall trend is still rising.Melt 360 HouseJun believes that after the central bank has lowered its standards, the availability of banks will increase, and in the short term, it will help lower the interest rate on mortgages. However, in the long term, the effect is limited. There are two main reasons:

  The first is the explanation given by the central bank’s official explanationThe purpose of the current RRR cut was to increase liquidity and reduce the risk of bank funding shortages. In fact, it was maintaining the sound operation of the banking system. After all, it was not a long time for the old banks to continue to support themselves, and they were also given appropriate assistance. However, the central bank also stressed that the principle of “not housing and housing is not fried” will not change, and the general direction will still prevent funds from entering the property market illegally. Moreover, according to past experience in monetary policy, the cost of funds in future banks depends mainly on MLF and reverse repurchase operations. The effect of RRR cuts on interest rates is limited.

  The second is from the bank's own business perspectiveAlthough the probability of bad loans in the mortgage business is low, profits are limited and it is not the most profitable business. In addition, housing leasing is a major opportunity for banks in the context of a shift in housing policy towards rent-raising and most housing companies are beginning to involve renting. For example, CCB had previously launched rental loans in Shenzhen and Beijing. Recently, four banks in Beijing have tried to determine the financing plan for collective land lease loans. There are growing signs that banks are adjusting their credit structures and reducing their reliance on housing loans.

Interest rate rises injuring some of the just-needed

From January 2017 until now, the average interest rate of the nation’s first suite has risen for 16 consecutive months. For home buyers, the increase in interest rates means that the monthly pressure on loans will increase and the overall interest will increase. The most direct impact will be increased. Purchase cost.

Taking Beijing as an example, the average loan size of the first suite is 200-300 million yuan. The first set of personal mortgage rates has risen from the initial 8.5 fold to 1.1 times now. If the loan is 2 million, the term is 30 years, according to the previous rate of 8.5 If the discount is calculated, it will pay back 9745.36 yuan per month, and the total interest will be about 1.5 million yuan. According to the interest rate increase of 10%, it will still pay 11218.13 yuan per month, and the total interest will be about 2.03 million yuan. Now it costs hundreds of thousands more to buy a house than in the same period last year. The monthly supply also has to be more than 1,000 yuan. For families with limited economic capabilities, the pressure is really not small.

Interest rate rise is undoubtedly a mistake to hurt some of the just need, had been hesitant before, would like to wait for housing prices to buy another room, the result of floating mortgage rates, not only did not save money to buy a house, the interest rate of light on the hundreds of thousands. Therefore, buyers have already chosen to buy houses. For them, waiting may mean spending more money.

According to a report released by the Institute of I Love My Family Market, in April 2018, 13673 sets of second-hand housing websites were signed in Beijing, a 22.6% increase from the previous quarter, and the amount of network signing also set the highest value in the 12 months since May last year. Compared with trading volume, the price is relatively stable and basically there is not much fluctuation.

Rong 360 said that Fang Jun thinks that if the funds in the hands are still sufficient, there are housing needs, or buy it as soon as possible,In the future, there are too many uncertainties in the property market. Taking the interest rate on mortgages, the next major rise in interest rates is the megatrend. In addition, banks have tightened their review of lenders, the loan cycle has been lengthened, and they may have been able to handle the loan sooner. .

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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