202 1 Huzhou mortgage interest rate

Just now, the central bank officially announced a rate cut, and the LPR for more than five years dropped to 4.60%! Buying a house welcomes major benefits!

A number of banks revealed that there is still room for discussion on the mortgage interest rate, which is expected to be further lowered! The cost of mortgage will be greatly reduced this year. ...

Heavy and good! The central bank cut interest rates! After 5 years, LPR dropped to 4.60%!

The People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) in 2022 is: 1 year, 3.7%, and over five years, 4.6%. The above LPR is valid until the next LPR version.

Among them, the LPR of 1 year is reduced from the previous 3.8% to 3.7%, and the LPR of more than 5 years is reduced from 4.65% to 4.6%.

It is understood that this is the first time since April 2020 that LPR has been lowered for more than five years. After a lapse of 2 1 month, the central bank finally cut interest rates again and sent a gift package to the buyers.

This interest rate cut is actually expected. Because on June 5438+1October 17, the central bank announced that the bid rates for the medium-term loan facility (MLF) operation and the open market reverse repurchase operation both dropped by 10 basis point.

The upward or downward adjustment of MLF interest rate will generally be transmitted to LPR interest rate, and ultimately affect the loan interest rate. At that time, the industry predicted that the price of flour had dropped, and the price reduction of bread was coming soon. Today it finally landed!

The market is picking up! There may be room to relax mortgage in 2022.

The reduction of mortgage interest rate is only the first step. Judging from the repeated official voices, there may be room for mortgage loosening in 2022.

202 1,1February, the central bank released personal mortgage data separately for two consecutive months, which also reflected the central bank's emphasis on personal mortgage. On the one hand, the release of such data reflects the orientation that the mortgage policy continues to be loose, on the other hand, the scale of mortgage balance increases, which also reflects the orientation that commercial banks actively implement the latest mortgage policy of the central bank and support reasonable housing consumption demand.

On February 3, 2002 1 and1,the CBRC also stated that at this stage, according to different local conditions, we should focus on meeting the mortgage demand of the first suite and improved housing, rationally issue loans for real estate development and mergers and acquisitions, increase support for affordable rental housing, and promote the stable and healthy development of the real estate industry and market.

At the press conference of 20021financial statistics held by the State Council Information Office on June 5438+0, 2022, Zou Lan, director of the Financial Market Department of the People's Bank of China, said that real estate sales, land purchase and financing have gradually returned to normal recently, and the market is expected to improve steadily.

The financial management department guides the banking financial institutions to accurately grasp and implement the prudent management system of real estate finance, maintain the smooth and orderly delivery of real estate credit, and meet the reasonable financing needs of the real estate market.

Recently, the National Development and Reform Commission issued a notice on doing a good job in promoting consumption in the near future, which mentioned that supporting the commercial housing market to better meet the reasonable housing needs of buyers. Promote the virtuous circle and healthy development of the real estate industry because of the city's policy.

Some experts said: it is not ruled out that the down payment ratio of second suites and large huxing will be lowered in the future. Some cities may further fine-tune the mortgage policy. For example, adjust "recognizing housing and recognizing loans" to reduce the credit constraints of buyers.

Since the fourth quarter of 2002/kloc-0, the mortgage interest rate in Huzhou has shown a downward trend. The central bank lowered the five-year LPR, and the mortgage interest rate space will be further lowered.

For property buyers, you can take advantage of the big market of credit relaxation, see more houses and seize the opportunity to buy a house during the policy window.