Bank of China, Agricultural Bank, China Construction Bank and Industrial and Commercial Bank raised the mortgage interest rate from 202 1 1.27, adjusted the interest rate of the first home loan to LPR+55bp, or 5.2%, and adjusted the second home loan to LPR+75bp, or 5.4%.
Extended data:
Guangzhou's four major banks collectively "raised prices"
"Under the control of the mortgage amount, the transaction scale of new and second-hand houses will decline, which is equivalent to cooling the property market. With the decline in transaction volume, house prices will also fall in the future. "
The Guangzhou property market, dubbed "Wuliangye in the property market", continued the tail-raising market at the end of last year earlier this year. With the signal of some owners "holding a group to raise prices", the Guangzhou property market ushered in an "outbreak", which alarmed the Guangzhou regulatory authorities.
65438+1October 24, according to Guangzhou Daily, Guangzhou banking industry has implemented "double control" on personal housing loans through the guidance of financial supervision window: the proportion of new personal housing loans cannot exceed12.6%; The amount of individual housing loans added by banks each month cannot exceed the average lending amount in three months in 2020: 10, 1 10, 12.
"It should be said that the introduction of such a policy in Guangzhou also corresponds to the recent real estate speculation in Guangzhou. The introduction of the policy will help promote the stable and healthy development of the market. From the follow-up situation, Guangzhou's policies are also worth learning in other cities across the country. " Yan Yuejin said that the purchase policies of many big cities have been significantly tightened recently, and it is expected that the probability of tightening credit policies will also increase.
This round of regulatory policies has a significant impact on the Guangzhou mortgage market. 1October 24th, 65438 Weibo Da V "Dayuan Mortgage" broke the news through Weibo, saying that the bank cooperated with the supervision and responded by "suspending accepting new loan applications".
654381October 27th, Guangzhou property market released new trends. From now on, the mortgage prices of the four major banks rose across the board, with the interest rate of the first home loan adjusted to LPR+55bp, the interest rate of the second home loan adjusted to LPR+75bp, the first home loan adjusted to LPR+40bp and the second home loan adjusted to LPR+60bp.
In fact, this is not the first time that the four major banks in Guangzhou have collectively "raised prices". 2065438+February 2008, the four major banks in Guangzhou also collectively raised the interest rate of the first home loan to 1. 1 times the benchmark. Behind the two strict control policies is the "overheated" Guangzhou property market.
People's Daily Online-A survey of mortgage lines in first-tier cities: Shanghai and Guangzhou are tense, and Beijing is calm.