Although the LPR of more than 5 years in September was 4.3%, which was the same as that of the previous month. However, affected by the lowering of the LPR with a period of more than 5 years last month, the housing credit environment was further relaxed in September, and the overall mortgage interest rate hit a new low.
86 Mainstream housing loans in cities Interest rates Interest rates are as low as the lower limit
Shell Research Institute Statistics show that as of September 19, the interest rates of mainstream housing loans in 86 cities have been as low as 4.10% for the first set and 4.90% for the second set.
In September, the average interest rate of the first set of mainstream nationwide was 4.15%, and the average of the second set was 4.91%.
August bank lending cycle was 25 days, basically the same as last month. Among them, the average loan cycle in first-tier cities is 31 days, and the average loan cycle in second-tier and third-tier cities is 24 days. Liu Lijie, a market analyst at the Shell Research Institute, believes that the current market recovery is hindered, and the later market recovery still needs a loose credit environment as a basis. At present, the housing loan interest rates in some first- and second-tier key cities are still higher than the lower limit, and there is still room for downward adjustment in the future.
Guangzhou: Some banks do not add points to the interest rate of second-home mortgages
According to statistics from Keerrui , since September, most banks in Guangzhou have continued to implement the policy of not adding points to the interest rate of first-home mortgages, that is, the minimum implementation is 4.3%.
has further loosened the second-home mortgage interest rate. Among them, some branches of Industrial and Commercial Bank of China can also implement the policy of not adding points to the second-home mortgage interest rate. The second-home mortgage interest rates of other banks are maintained at around 4.9%.
In addition, the approval process and lending speed of major banks have been accelerated to varying degrees. In addition to the need to extend the lending time for provident fund portfolio loans, the lending time of major banks is basically within half a month when the amount is sufficient. between one month.
According to the statistics of CRIC, the average price of newly built products in Guangzhou in the first eight months of 2022 is 4.0736 million yuan, and the average transaction price is 37,477 yuan/㎡. According to the latest 5-year LPR, 30% down payment and 30-year loan , Guangzhou's average monthly payment in the first eight months of 2022 is 14,114 yuan.
Wang Yanling, a reporter from Nandu Wan Finance Agency