Since mid-October this year, the implementation standard of the commercial loan interest rate for the first house in Kunming is a minimum of 3.95%.
But in recent days, the WeChat Moments of many people in the real estate industry have circulated the news that "the first-home loan interest rate will be raised to 4.1% on January 1, 2023".
Screenshot
of a circle of friends posted by a project real estate consultant Is this news true?
If it is really going to be raised, what is the basis? Reporter
interviewed some real estate projects and banks in Kunming.
银行工作人员称：
“政策若不延期，1月1日起利率就是4.1%”
自12月27日起，昆明多个楼盘的置业顾问在微信朋友圈发布消息称：“2023 From January 1, 2019, the loan interest rate will be adjusted back from 3.95% to 4.1%, an increase of 15 basis points.”
The reporter asked a real estate consultant for a project in Xishan District, . The real estate consultant said that on December 29, her real estate received notices from Construction Bank and Agricultural Bank of China , saying that the loan interest rate would be lowered. "The staff of Bank of China also said that there is a high probability that it will be adjusted, but the specific situation is still uncertain."
Notice issued by CCB staff
ChenggongA real estate consultant for a project said during an interview that both CCB and BOC have notified the project. After
the real estate consultant received the notice from the staff of the Bank of China
, the reporter contacted the staff of several bank outlets in Kunming. A staff member of the Bank of China introduced: "According to the previous notices issued by People's Bank of China and China Banking and Insurance Regulatory Commission , the 3.95% interest rate will only be implemented until the end of this year. If this policy is not extended, then from January 1, 2023, the interest rate It is implemented according to 4.1%. No update notice has been received yet. When a staff member of a branch of China Construction Bank was interviewed, his statement was consistent with that of a staff member of Bank of China. A staff member of
China Merchants Bank said: "December Before the 31st, it is executed according to 3.95%. Whether there will be any changes in the future, we have to wait for the notice. "
Industry analysts believe that
"It is not ruled out that the phased policy may be postponed." , The China Banking and Insurance Regulatory Commission issued the policy of "deciding to gradually relax the lower limit of the first-home loan interest rate in some cities".
Inquired and learned that this policy is aimed at the sales price of new commercial housing month-on-month , from June to August 2022 Cities with continuous year-on-year declines (according to the data of 70 major cities released by the National Bureau of Statistics, 23 cities are eligible), the "lower limit of commercial personal housing loan interest rate for the first set of housing shall not be lower than LPR minus 20 basis points" The regulations are relaxed in stages until the end of 2022.
This policy is aimed at the first home commercial personal housing loans, and it is phased. The original policy will automatically resume after it expires at the end of 2022. In other words, the restoration After that, the first-home loan interest rate will not be lower than 4.1%.
Source: People’s Bank of China
According to this phased policy, the 3.95% first-home loan interest rate is indeed only the last day or two. But from bank staff Judging from their attitude, they are still waiting for the latest notice and are not sure about this policy.Whether the policy will be postponed.
According to previous public reports, Wang Yifeng, chief analyst of the financial industry at Everbright Securities , believes that the next step of "stabilizing expectations" in the real estate market mainly corresponds to stabilizing market sales. Residents' normal housing consumption has been held back due to fears of housing delivery dragging down sales. "In terms of new loan policies, the national average new mortgage loan interest rate is already the lowest in history, and it may continue to drop next year."
As for whether the policy will be extended after it expires, some analysts believe that the current real estate The market demand is in the stage of bottoming out and stabilizing, and it is not ruled out that the policy at this stage may be postponed, which is conducive to the continued recovery of the real estate market in some regions.
For home buyers, the correction of mortgage interest rates means that the cost of buying a house will increase. Whether the mortgage interest rate will be adjusted is expected to be clear in the next few days.
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Source: Metropolis Times
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