to broadcast the monthly mortgage interest rate again!
December, Zhongshan The lowest mortgage interest rate for the first mortgage was 4.1%, and the lowest mortgage interest rate for the second mortgage was also maintained at 4.9%. Let's look down for the detailed interest rate situation of
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Zhongshan's mortgage rate remains unchanged in December! The first set of minimum 4.1%
This morning, the People's Bank of China website announced that the quotation of LPR in December will continue to remain unchanged. In fact, since August this year, LPR quotes have remained unchanged for both one-year and five-year terms.
According to Fang Xun’s knowledge, the first-home loan interest rates of 17 mainstream banks in Zhongshan are all 5-year LPR minus 20 BP, that is, 4.1%; the second-home loan interest rates are all 4.9 %.
Note: The same bank may sign different interest rate schemes with different real estates, and different sub-branches may implement different interest rate schemes, so please refer to the bank for specific conditions.
Although 2022 is coming to an end, the mortgage interest rate in Zhongshan remains at a low level, which is very good news for home buyers who plan to buy a car in the near future.
As for the "homeowners" who have successfully boarded the car, if the housing loan re-pricing date of the contract signed by themselves is January 1 every year (that is, refer to the LPR quotation in December 2022), they themselves can also enjoy this Monthly low interest rate offer .
Industry: In January 2023, the LPR may be lowered, possibly by 0.15 percentage points
Not only that, last Friday, some experts in the industry pointed out, "Focus on steady growth at the end of this year and early next year, control risks, and promote the property market to show a trend of recovery as soon as possible Momentum, it is expected that the regulatory authorities will guide the quotation banks to lower the quotation of LPR with a term of more than 5 years in the near future.”
But Considering that the residential mortgage re-pricing date is mostly January 1 of each year, the reduction of LPR quotations with a term of more than 5 years is postponed to 2023 January is also possible.
In addition, Oriental Jincheng chief macro analyst Wang Qing also believes that the current residential mortgage interest rate is relatively high, and there is room for a certain reduction.
Regarding the reduction rate, Wang Qing comprehensively judged that after the housing loan re-pricing date on January 1, 2023, the 5-year LPR quotation may be lowered by 0.15 percentage points. (ie -15 BP)