Recently, I browsed my Moments and found that these many real estate agents said that the mortgage interest rate is very low at present, and now is a good time to buy a house. That's how low it is, let's take a look today...
This time, 6 banks were surveyed, based on the survey information. At present, in the city of Taizhou, the interest rate for the first home is generally about 4.60%, and the lowest down payment ratio is mostly 3% ; the interest rate for the second home is generally about 5.20% , and the down payment ratio is 3% . And most banks currently have sufficient quotas and loans are faster. Most banks can lend money as soon as possible about a week.
(Data research time: April 27, 2022)
Maybe some people don’t know what the meaning of an interest rate of 4.60%, let me tell you.
First, I will explain to Comrade Xiaobai what is mortgage interest rate, mortgage interest rate = 5-year LPR interest rate + add points (BP) .
where 5-year LPR interest rate is the "benchmark" , which is decided by the central bank and announced to the public once on the 20th of each month; and the addition points are determined by each bank, each city is different, and each bank is also different.
For example, now you go to the bank to buy a house, People tell you that the mortgage interest rate is 5.5%, which is actually based on the benchmark 4.6% (latest), the increase of 90BP.
According to the latest announcement by the central bank at the beginning of 2022, the loan market quotation rate (LPR) on November 20 is: the 1-year LPR is 3.7%, and the LPR for more than 5 years is 4.6%.
. According to the bank interest rate data of this survey, Now the general interest rate for first-time houses is directly 4.60% , which means there is no added point and has been put to the bottom!
In fact, before this, our Taizhou Real Estate Information Network also issued a document to predict the trend of the real estate market in 22 years, among which the 6 major predictions of the Taizhou real estate market in 2022! Involving policies, mortgages, land auctions, markets, sectors, new projects... article contains predictions on bank interest rates in 22 years: that is, the credit environment will be relatively loose in 22 years, and mortgage interest rates are expected to decline.
. According to the interest rate statistics I counted at the beginning of this year: html In late November, the general first home interest rate in Taizhou was 5.35-5.55% , and the second home interest rate was 5.50-5.70%; html in December, the general first home interest rate in Taizhou was 5.00-5.15%, and the second home interest rate was 5.25-5.40%; It can be said that the interest rate was lowered as I expected, but I didn’t expect the interest rate to be lowered so quickly and so fiercely.
(Data research time: March 2, 2022)
For example, based on the mortgage loan of 1 million yuan and the 30-year equal principal and interest repayment, the monthly payment amount at at the 5.35% interest rate at the beginning of the year was about 5,584 yuan. The current interest rate is 4.60%, and the monthly payment is about 5,126 yuan at this time. The monthly payment has been reduced by at least about 458 yuan. 458! The money you can get out of a hot pot meal a month! 30 years, how much money can you save. When the interest rate was highest last year, some friends with second-homes could reach 6.0%! Alas, I missed 5.65% of what I did last year, "a lot of money"...
. In addition to commercial loans, on the other hand, a few days ago, news came from Taizhou Provident Fund - the provident fund loan amount was increased. That is, the maximum housing provident fund for dual-employees was increased from 400,000 yuan to 500,000 yuan, and the maximum housing provident fund loan for single-employees was increased from 250,000 yuan to 300,000 yuan.
market signals are currently very good, although the editor can't get this wave of "bonus". But overall, this is a good thing for home buyers and developers, which can boost the real estate market and stimulate more demand for home buyers to enter the market.
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