Housing loan regulation in first tier cities such as Guangzhou continued to increase. In the first half of this year, the tightening trend of housing loans was obvious. The increase of interest rate, the tightening of quota and the extension of lending cycle have become the key words of Guangzhou housing loan in the first half of the year.
In the second half of the year, mortgage interest rates in many cities increased one after another. Nandu reporter learned that Shanghai and Foshan have successively raised mortgage interest rates. Among them, the interest rate of the first house of a bank in Foshan exceeded 6%.
Recently, it is reported that the interest rate of the first house of some first-hand buildings in Guangzhou may be raised to 5.95% or even exceed 6%. Nandu reporter interviewed a number of banks yesterday and found that in August, the mortgage interest rate of many banks increased slightly, and the interest rate of second homes of large banks did reach 6%. Some bankers responded that there was no plan to raise mortgage interest rates for the time being.
The loan interest rate is rising and adjusted dynamically every month
Recently, several hot cities with the highest house price increase have seen continuous increases in mortgage interest rates and tightening of personal housing credit business. On July 24, Shanghai raised the guiding interest rate of housing loans, in which the interest rate of the first house loan will be increased by 35bp to 5.00% from the original 4.65%, and that of the second house will be increased by 55bp to 5.70% from 5.25%.
Although Shanghai’s mortgage interest rate has increased, the interest rate level after the increase is still lower than that in Guangzhou and Foshan, and Foshan has entered the “6” era. According to a third-party data, as of July 20, the loan interest rate of the first suite of banks in Foshan was as high as 7.35%, and the commercial loan interest rate was 6% – 6.2%. However, the loan officer of Foshan branch of the above bank said that at present, the interest rate of the first commercial loan is still 5.85%, and the prepayment will be subject to additional liquidated damages. The loan interest rate of the first portfolio lender will be 6.25%.
Guangzhou’s mortgage interest rate has also been raised four times this year, and the mortgage interest rate will enter the “6” era. Recently, it was revealed that in August, the interest rate of the first commercial loan of some first-hand buildings in Guangzhou may be raised to 5.95%, and that of the second house may be raised to 6.05%.
Previously, insiders said that the result of negotiation between developers and banks could not be ruled out. Now Bank quota competition, lending is generally slow. For customers who accept high interest rates, the lending level will take precedence.
When Nandu reporter interviewed Bank of China Guangzhou Branch, the relevant person in charge said that on the premise of meeting the requirements of regulatory policies, the bank reasonably determined the specific value of each loan according to the borrower’s credit record, repayment ability, comprehensive contribution and interbank market pricing, so as to maintain the basic stability of individual housing loan interest rate, Promote the sustained and healthy development of the real estate market.
The relevant person in charge of BOC said that at present, the interest rates of the first and second personal housing loans with a term of more than five years in Guangzhou are no less than LPR basis points plus 120bp and 140bp respectively. In other words, the interest rate of the first house is more than 5.85%, and the interest rate of the second house is more than 6.05%.
The person in charge of ICBC Guangzhou Branch told Nandu reporters that it will reasonably confirm the specific down payment ratio and interest rate level of individual housing loans and implement loan differential pricing in accordance with regulatory requirements and the borrower’s credit status, repayment ability and other factors. At present, the first house interest rate guidance price of ICBC is LPR + 90BP, and the first house interest rate is 5.55%; The interest rate guidance price of the second house is LPR + 110bp, and the interest rate is 5.75%. ICBC is also floating on the basis of the above guidance price.
Nandu reporter learned that the interest rate of the first and second houses implemented by the Agricultural Bank of China is consistent with that of ICBC.
The interest rate of the first house in Guangzhou of CCB is LPR + 100bp, and the interest rate is 5.65%; Second house LPR + 120bp, second house interest rate is 5.85%.
Information from the housing finance department of Guangzhou Branch of China Construction Bank said, “we have the same interest rate as the market. At the same time, depending on the specific project, there may be differences. There may be some differences in the interest rates of each sub branch, each region and each real estate. ”
The interest rate of the first house of Bank of communications is above LPR + 85bp, and the interest rate of the second house is above LPR + 95bp. Ping An Bank currently carries out mortgage housing loan interest rates: the first set of LPR + 85bp (5.5%) and the second set of LPR + 105bp (5.7%). The interest rate of the first house of China Merchants Bank is LPR + 110bp, which is 5.75%, and the interest rate of the second house is LPR + 135bp, which is 6%.
Nandu reporter learned that at present, the first set of interest rate guidance price of Dahang housing loans in Guangzhou is 85bp-120bp, and the interest rate is 5.5% – 5.85%; The loan interest rate of the second house mostly increased by 105bp-140bp, and the interest rate was 5.7% – 6.05%.
“At present, the interest rate of the first house in Guangzhou plus 110bp is 5.75%. The mortgage interest rate in Guangzhou rises almost every month, “the customer manager of the retail loan department of a large joint-stock bank told Nandu reporters.