laitimes

Heavy! The interest rate of the first and second housing loans has been lowered in batches

Heavy! The interest rate of the first and second housing loans has been lowered in batches

The People's Bank of China issued an announcement today to improve the pricing mechanism of commercial personal housing loan interest rates, allowing existing housing loans that meet certain conditions to re-agree on the markup range, and promoting the reduction of existing housing loan interest rates. At the same time, the self-discipline mechanism for market interest rate pricing issued a proposal that all commercial banks should, in principle, carry out batch adjustments to eligible existing housing loans before October 31, 2024. For the interest rate of the existing mortgage with a markup higher than -30 basis points, it will be uniformly adjusted to not less than -30 basis points, and not lower than the lower limit of the new mortgage markup (if any) currently implemented in the city, so that the interest rate level is close to the national new mortgage interest rate, and the average decline is expected to be about 0.5 percentage points.

In order to adapt to the new changes in the relationship between supply and demand in the real estate market, in the stage of batch adjustment and normalized adjustment, the first and second houses will no longer be distinguished (except for cities with a lower limit of the mortgage interest rate policy and the first and second sets of housing loans), and the interest rates of the first and second sets of existing housing loans will be guided to fall to around the average level of the national interest rate of newly issued housing loans, so as to reduce the interest burden of existing housing loan borrowers.

Heavy! The interest rate of the first and second housing loans has been lowered in batches

Jiangsu News Channel [News Clue Prize Collection 🎁] Hotline: 025-83195110 Mailbox: [email protected]

Source|CCTV News Client Editor|Yuanyuan Attention

Heavy! The interest rate of the first and second housing loans has been lowered in batches