On September 30, People's Bank of China announced:
will lower the interest rate of the first personal housing provident fund loan 0.15 percentage points , and the interest rates below 5 years (including 5 years) and above 5 years will be adjusted to 2.6% and 3.1% respectively.
The interest rate policy for the second personal housing provident fund loan remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years shall not be lower than 3.025% and 3.575%, respectively.
Image source Hangzhou Provident Fund release
On October 8, Hangzhou Provident Fund released reiterated that Provident Fund loan is executed at the adjusted new interest rate. And it is decided:
Before October 1, 2022, has issued the first personal housing provident fund loan for that has not expired. will be executed at the adjusted new interest rate starting from January 1, 2023.
In addition to Hangzhou, there are also many cities such as Wuxi , Zhengzhou, Nanning , Shijiazhuang, Tianshui , Jilin, Luzhou , Xiangyang , Yichang , etc., and have issued announcements related to the adjustment of provident fund loan interest rate .
plus a series of favorable benefits such as the tax refund preferential policies issued by the Ministry of Finance. It can be found that the official is still continuing to reduce the burden on self-occupied families with rigid needs.
National Salvation of the market is good, and it is still continuing to iterate and upgrade.
On the evening of September 29, the People's Bank of China and the China Banking and Insurance Regulatory Commission issued an announcement to phase the adjustment of differentiated housing credit policies.
city governments that meet the conditions can independently decide to maintain, lower or cancel the interest rate limit for the first-home loan issued in the local area before the end of 2022.
号3号3号3号号号号 号4
号3号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号号�
Image source official website
How much money can home buyers save? Take Qingyuan as an example.
is calculated based on the latest quotation of 4.3% for the People's Bank of China for more than 5 years on September 20. Guangdong Qingyuan is calculated based on the first mortgage interest rate LPR-60BP, that is, about 3.7% :
If a pure commercial loan is 1 million yuan, based on the repayment of equal principal and interest 30 years as an example, can repay about 345.88 yuan less per month on average, and a total of 124,500 yuan less , which is equivalent to saving a large amount of decoration payment.
In addition to some cities in Guangdong Province above, Jining City, Shandong Province also announced that it would phase down the interest rate limit for commercial personal loans for the first housing by 15BP from October 5 (inclusive) to the end of this year. After the adjustment of
, the lower limit of the first housing loan interest rate of Jining City first housing loan is 3.95% .
In fact, there is a large number of cities that meet the conditions for independent decisions to lower the interest rate for first-home mortgages.
According to the regulations of the central bank and the China Banking and Insurance Regulatory Commission, from June to August 2022, local governments have the opportunity to decide to lower the interest rate of first-home mortgages in cities where the sales prices of newly built commercial housing have been continuously month-on-month and year-on-year.
You should know that according to the statistics of the National Bureau of Statistics, there are 23 cities that meet the conditions.
specifically includes: Tianjin , Shijiazhuang, Dalian, Harbin, Wuhan , Guiyang, Kunming, Lanzhou, Qinhuangdao , Baotou , Wenzhou , Anqing , Quanzhou , Jining , Yichang, Xiangyang, Yueyang , Changde , Zhanjiang, Guilin, Beihai , Luzhou, Dali. (data comes from the National Bureau of Statistics)
You can imagine how cold the national real estate market is. Even Hangzhou, which has a relatively strong popularity in the real estate market, has started the distribution model early due to the difficulty of sales.
As of now, in addition to the four traditional main urban areas and Linping, Yuhang , Xiaoshan , Qiantang District, Fuyang , Lin'an have all passed the "regional policy" and introduced a series of policies such as relaxing the threshold for buying + talent introduction housing subsidy .
From the trend point of view, it may not have bottomed out yet, and there is still the possibility of continuing to introduce a series of favorable policies. Is it the next one?
details click: pay the deposit first, and the new policy will be refunded at the end of the year! There are still big moves in the real estate market next!
In addition to the central government's reduction in provident fund mortgage interest rates, some banks in Hangzhou can actually achieve the first 4.1% commercial loans, but most of them are still implemented according to the first 4.3%.
Many group members may still be looking forward to Hangzhou being able to wait to reduce mortgage interest rates and stock interest rates just like cities such as Guangzhou and Qingyuan.
But this hope may be lost.
After all, whether it is month-on-month or year-on-year, the sales prices of newly built commercial housing in Hangzhou were on an upward trend from June to August, among which also became the city with the largest increase in August . (data comes from the National Bureau of Statistics)
However, the national real estate market is there, and a series of staunch measures are still needed to stimulate the situation. The one in front of you is LPR, and it may drop in the fourth quarter.
may come as soon as this month. Can it be done? You can look forward to the official release.
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-