Information > General article > Home loan strategy > Commercial loans >  text

The latest first-home loan interest rate rankings, in the second half of the year to understand these data and then buy a house

Time: 2018-09-11         Source: Rong 360 original         Author: Uncle Seven

According to the latest data from Rong360, the average interest rate of the first home loan in August 2018 was 5.69%, which was equivalent to the benchmark interest rate of 1.161 times, up 0.35% from July; the average interest rate of the first home loan in August last year was 5.12%, up 11.13%. .

Interest rates have risen by up to 35%, and the number of banks has been decreasing.

Specifically, in August, among the 533 bank branches in China, 125 banks implemented the benchmark interest rate to rise 10%, a decrease of 21 from the previous month; 176 banks implemented the benchmark interest rate to rise 15%. The number of the first set of 128 banks increased by 20% last month, an increase of 13% from the previous month; the first set of 30 banks implemented a benchmark interest rate increase of 25%, an increase of 2 from the previous month; the first set of 28 banks The benchmark interest rate rose by 30%, an increase of three from the previous month.

In addition, the interest rate of the first home loan of 488 bank branches was the same as last month.That is to say, banks with unchanged interest rates are in the mainstream, and in terms of floating rate, most banks are above 15%, and 4 of them have their first set of interest rates rising to 35%.

It seems that the bank’s attitude towards the mortgage business is:Interest rates are not easy to rise, banks with high interest rates are really high, really worthy of a steady rise..

Personal mortgage business still plays an important role in bank credit

According to statistics, the increase and increase of personal housing loans of A-share listed banks in the first half of the year were 145 million yuan and 7.52% respectively. Compared with the same period last year, the overall growth rate slowed down. On the one hand, it was affected by the regulatory policies, and almost all hot cities tightened. Credit policy; on the other hand, some developers also sell houses through cash payment priorities, which indirectly limits the amount of mortgage applications.

However, there is another data worth noting. The increase in mortgage loans of 26 A-share listed banks accounted for 62% of the increase in retail loans, and 30% of the total loan increase, indicating that although the growth rate of personal mortgages continues to decline, For banks, it is still an important business, one is becauseCompared with corporate loans, the personal housing loan users who have been strictly selected by banks are less likely to have bad debts and have lower risks.Second, inIn the case of tightening overall policies, banks still have to meet the demand for housing loans from just-needed users, and the proportion of stable prices is needed by the market.In order to curb investment demand, even the need to buy the first suite is also limited, which also violates the policy of “staying and not speculating”.

Regulating overweight, interest rates are rising, just need to get on the train

Since July, the property market has ushered in intensive regulation, including hot cities such as Chengdu, Haikou, Hangzhou, and Shenzhen. It is considered to be “prevention” for Jinjiuyin 10 in advance.

At the same time, bank mortgage interest rates are still rising steadily, and the market demand for buyers is getting higher and higher. What is certain is that mortgage interest rates are at a relatively low level, and there is a high probability that the future will show a low rise. Buying a house The interest to be paid increases, waiting for the loan time to lengthen, and the overall capital and time costs increase.

 Rong 360 said roomJun believes thatThere are two points to pay attention to when buying a house:

  Clear purchase target:What needs to be emphasized here is that if you buy a house, you are prepared to live in it, or rent it out. The former is just in the standard sense. The latter is limited in funds. You can only buy a house far away, rent the house, and you are in the urban area. Rent a house. The difference between the two is that the latter needs to consider the financial pressures of renting costs.

  Do a good job in fund planning:It is recommended that the rent price after buying a house can offset the part of the mortgage. Otherwise, from the perspective of long-term cost, the first set of purchase qualifications will not be used, and the rent will be paid more, and the funding pressure will increase.

As hot-selling cities have high prices and flat mortgage rates, it is expected that the number of newly-purchased homes will increase.

    You may need these loans

    Room loan

    Loan with mortgage record

    500000

    Maximum amount

    0.89%

    Minimum monthly interest rate

    1 day

    Fastest loan time

    apply immediately

    Redemption

    Debt mortgage

    6.5 million

    Maximum amount

    2.20%

    Minimum monthly interest rate

    30 days

    Fastest loan time

    apply immediately

    Home loan

    Home mortgage, good capital turnover

    10 million

    Maximum amount

    1.20%

    Minimum monthly interest rate

    7 days

    Fastest loan time

    apply immediately

    Decoration loan

    Buying a house renovation loan

    500000

    Maximum amount

    0.37%

    Minimum monthly interest rate

    1 day

    Fastest loan time

    apply immediately
    Save this article to my mailbox
    Subscribe to mortgage, property news

    Sweep and make buying a home easier!

    Welcome to pay attention to Rong 360 mortgage
    Official WeChat (Fangdai123)

    [Exclusive Manuscript and Disclaimer] Any work, such as "360 Original", without the written authorization of 360, may not be reproduced, extracted or otherwise used by any unit, organization or individual. If you have been authorized in writing, please indicate the source of 360. Anyone who violates the above statement and infringes on the legal rights and interests of Rong 360 shall be investigated for legal responsibility according to law. The materials and conclusions in the works are for user's reference only and do not constitute operational recommendations. To obtain written authorization, please send an email to: academy@rong360.com

    Comment list (user comments are only for users to express their personal views, does not mean that the site agrees with its views or confirms its description)
    you may also like

    Buying a house loan

    Room loan

    Loan with mortgage record

    Redemption

    Debt mortgage

    Home loan

    Home mortgage, good capital turnover

    Decoration loan

    Buying a house renovation loan