Since December 14, Beijing and Shanghai, two first-tier cities that can be called the "strongest weather vane" of the national property market, have ushered in a new deal for the property market. On December 15, the new housing loan interest rate was implemented, and the current interest rate for the first home in the six districts of the city is 43%, 4 outside the six districts of the city2%。According to the "Notice on Adjusting and Optimizing the City's General Housing Standards and Personal Housing Loan Policies" (hereinafter referred to as the "Notice") issued by BeijingThe scope of the adjustment of the new policy includes the down payment ratio for house purchases, the loan term, the lower limit of the mortgage interest rate policy, and the standard of ordinary housing. This time, many banks, including Industrial and Commercial Bank of China, Bank of China, Bank of Communications, Everbright Bank, etc., have implemented the latest mortgage policy standards: the down payment ratio for the first home has been reduced to 30%, and the minimum mortgage interest rate has been reduced to 42%, with a mortgage term of up to 30 years.
The pricing benchmark for personal housing loans in Beijing is as follows:The interest rate of the first set of commercial personal housing loans shall not be lower than the corresponding term LPR+55BP (basis points), and the interest rate of the second set of commercial personal housing loans shall not be lower than the corresponding term LPR+105BP.
According to the latest November LPR released by the People's Bank of ChinaLPR for more than 5 years is 42%。After this adjustment, the lower limit of the interest rate for the first and second homes of the new loans issued in the six districts of Beijing is 4 respectively3% and 48%；The lower limit of interest rates for the first and second homes in the six non-urban districts is 4 respectively2% and 475%。Compared with the original 55 basis points for the first set and 105 basis points for the second set, the mortgage interest rate has been significantly reduced, further reducing the cost of buying a house. Agricultural Bank of China Beijing Branch, China Construction Bank Beijing Branch, Bank of Communications Beijing Branch, China CITIC Bank Beijing Branch and many other banking offices in Beijing will strictly implement the new regulations of the "Notice" from the 15th.
It is worth noting thatThis adjustment only involves new personal housing loans, not existing housing loans. Beijing's policy is major in the near year, and it will take time to verify whether it can drive the trading volumeAngered buyers who had already gotten into the car.
Because: this policy only includes loans after the 14th, which is a proper backstab for buyers who have been wronged by the mortgage in 2019-2023. Even if you lend money on the 14th, you have to implement the interest rate according to the old policy, and there is a 30-day insured service for shopping.
Because banks will not take the initiative to reduce interest rates for mortgage users, and Beijing does not allow mortgage relending and mortgage to provident fund loans, there is only one way to use itThe mortgage business loan can be replaced by a mortgage loan with a lower interest rate and can also be used for a long time. At present, many banks in Beijing are also acquiescing.
As one of the most mainstream loan methods, the mortgage loan is due to the low mortgage interest rate (annual interest rate of 2.).95%-3.About 5%), the amount is high, the loan term is 20-30 years, and the basic knowledge of "mortgage" is described in detail, I hope it will be helpful to you.
Since September 1, Beijing officially announced: recognize the house but not the loan, with the implementation of the new housing purchase policy, the second-hand housing transaction is also gradually picking up. Mortgage business loan is that the borrower uses real estate as collateral to apply for a loan from the bank for the use of enterprise operating financing, such as: enterprise procurement and payment of upstream orders. The applicant needs to have a business license, and the amount of application is large, basically between 100w-6000w, and hundreds of millions of projects can also be done, and the minimum mortgage operating loan in Beijing is 305%, enjoy the interest discount policy can apply to 21%, is the lowest interest rate of all loans on the market, under normal circumstances, standard residential can apply for 70% of the property, villas and commercial properties are generally 50-60% of the appraisal price, consumer loan loan amount is generally no matter how much the total price of the house can only apply for 70% of the house, and the loan amount can not exceed 3 million.
Annualized interest rate295% of [Mortgage Replacement Loan] Introduction:
Quota limit] 10 million.
Strike Rate] 3% Floating Interest Rate LPR - 120 basis points.
Term and credit] The credit is granted for 20 years and 240 months, and it will be settled when it is due.
Repayment Method] Equal principal and interest.
Early Repayment] Early repayment can be made at any time without any penalty penalty.
Payment Method】 Three-party entrusted payment.
Post-loan management] Only when the contract is renewed, there is a review requirement, and the requirement is to have an operating flow.
At present, there are also the latest different products of high-quality mortgage loans from different banks: