Shenzhen adjusts and optimizes the lower limit of personal housing loan interest rates

Shenzhen City has adjusted the lower limit of interest rates for personal housing loan from Friday (September 29).Reduce 10 basis points to reduce the cost of house purchase of residents.

The Shanghai Securities Journal reported that according to the Shenzhen Municipal Housing Construction Bureau, the People's Bank of China Shenzhen Branch, and the Shenzhen Supervision Bureau of the Financial Supervision Bureau, from Friday, the lower limit of the first set of housing commercial personal housing loans in Shenzhen was adjustedIt is not lower than the corresponding period LPR to minus 10 basis points, and the lower limit of the interest rate of the two sets of housing commercial personal housing loans is adjusted to not less than less than the corresponding period LPR plus 30 basis points.

Reported that this adjustment is conducive to reducing the cost of house purchase costs for residents, better meet rigidity and improved housing needs.

Li Yujia, chief researcher of the Guangdong Housing Policy Research Center, said that before that, the interest rates of Shenzhen's first and second -house houses were 4.5%(LPR+30 base points) and 4.8%(LPR+60 base points).EssenceThis time, the lowered to 4.1%(LPR-10 base point) and 4.5%(LPR+30 base points) were lowered, respectively.

Take the first home as an example. The equivalent principal and interest is replaced for 30 years.Yuan, the most direct benefit is to reduce the pressure on the down payment of home buyers and monthly supply, which is conducive to promoting the release of just needs and demand for house changes.

Li Yujia believes that the adjustment of interest rates is also the implementation of the new regulations on the lowest interest rates of the first and second suite in the instructions of China on optimization adjustment and control policy instructions.

Shenzhen began to implement the "house recognition and do not recognize loan" policy at the end of August this year to clarify that when the residents' families (including borrowers, spouses, and minors) apply for loans to purchase commercial housing, family members have no in Shenzhen name in Shenzhen nameFor complete houses, whether or not they have used loans to purchase housing, banking financial institutions have implemented housing credit policies according to their first houses.

At the beginning of September this year, the lower limit of the first mortgage interest rate in Guangzhou exceeded LPR, becoming the first first -tier cities in China to break through the lower limit.