Many banks in Nanchang cut mortgage interest rates.

First, the mortgage interest rates of many banks in Nanchang have been lowered.

Previously, 202 1, Nanchang mortgage interest rate once rose. In the previous financial weekly, the reporter's mortgage interest rate exceeded 6%, even reaching a high of 6. 125%. 202 1 65438+February, public data showed that the mortgage interest rate finally began to decline. 65438+ In February last year, the interest rate of the mainstream mortgage in Nanchang was around 5.88%-5.9 1%, and the interest rate of the second home loan also dropped to 6. 10%-6. 13. Although it has declined, the mortgage interest rate is still high.

It can be seen that the goal has been greatly reduced. The interest rate of the mainstream first home loan is around 6.0%, and the loan period is within one month. According to the statistics of Guangfa Bank, it is even only 5.635%, which seems to be back to China Everbright Bank, and the interest rate of the second home loan is only 5.90%. The downward adjustment of mortgage interest rate and the shortening of lending cycle have also alleviated the pressure on the citizens who purchase houses with loans to some extent.

654381October 20th, the People's Bank of China authorized the national interbank lending. The quoted interest rate (LPR) of China loan market is: 1 year LPR is 4.6%. Previously, many banks lowered the increase in mortgage loans, but the real estate situation was different from the real estate loan strategies of banks. For example, the differentiated pricing characteristics of mortgage interest rates in Guangzhou are more obvious.

It is understood that after the adjustment of LPR, the interest rate of the first home loan in Guangzhou is concentrated between 5.5% and 5.6%, and the interest rate of the second home loan is R: 1 year LPR is 3.7%, which is 10 basis point after being lowered by 5 basis points from last June. The LPR for more than 5 years was 4.2 1 month, and then decreased again. Some insiders pointed out that if LPR reappears for more than five years, the real estate financial environment will be improved.

In the context of the central bank's interest rate cuts, mortgage interest rates in various cities are more or less affected. Objectively speaking, according to the scale of loanable funds, the space for interest rate cuts has also begun to increase, and the pace has also begun to accelerate, making it easier for buyers to obtain loans. After the credit crunch, which restricts the recovery of the property market, has been improved, it is the "golden three silver four Koharu" of the property market.

Now that the mortgage interest rate has increased, the discount information of the housing market will gradually cool down in inverse proportion to the preferential strength. Insiders analyzed: "The downgrade of LPR rating will have a positive impact on the real estate market and help boost the prosperity of the property market." From the perspective of housing enterprises, it will be further reduced, prompting buyers to further rationalize housing consumption demand through mortgage interest rate costs.

Second, how to adjust lpr in 2022

The adjustment of lpr in 2022 is as follows: 1. From February 20, 2022, the 1 year lpr was adjusted to 3.7%, the 5-year lpr was adjusted to 4.6%, and the upper limit of private lending interest rate was lowered from 15.4% to 14.8%. 2. The prime loan interest rate (LPR) is the basic reference loan interest rate calculated and published by the People's Bank of China and the People's Bank of China in the national interbank lending market, and the loan pricing of financial institutions mainly refers to the prime loan interest rate. The current lpr includes 1 year and more than 5 years. 3. At present, the term of lpr is mainly 1 year, which reflects the average marginal cost of the base currency in the banking system in the medium term. The growth rate mainly depends on the bank's own capital cost, market supply and demand, risk premium and other factors. Wang Qing said that in China's current interest rate system, lpr quotation belongs to the category of market interest rate, but because it has a significant impact on the financing costs of market participants, especially the cost of bank loans, it has a strong policy signal significance and has been widely concerned by the market. 1. For the interest rate of lpr (loan market quotation rate), experts believe that the downward adjustment of mlf interest rate will drive the subsequent downward adjustment of lpr. Sun Guofeng, director of the monetary policy department of the central bank, said at the press conference of the State Council Office that the facilitation of medium-term loans and the decline in the bid-winning interest rate in open market operations reflect the initiative and predictability of monetary policy, which is conducive to enhancing market confidence, reducing the interest rate of corporate loans through lpr transmission, promoting the decline of bond interest rates, and promoting the steady decline of comprehensive financing costs of enterprises, which is conducive to stabilizing the balance between the total amount of bonds issued by local governments and the external financing market and maintaining the balance of the external financing market. 2. In order to deepen the interest rate marketization reform, improve the interest rate transmission efficiency and reduce the financing cost of the real economy, the People's Bank of China decided to reform the interest rate formation mechanism and improve the lpr loan market. According to the lpr quotation mechanism, on the basis of 18 quotation banks, the open market operating interest rate (mainly refers to the medium-term loan convenience MLF interest rate) will be increased, and the best customers will be obtained according to the loan interest rate on the 20th of each month (postponed on holidays).

3. How to adjust the lpr of Guangfa Bank?

Adjust the lpr of Guangfa Bank, first log in to the mobile banking of Guangfa Bank and enter the all-loan-my loan-signing -LPR interest rate conversion menu;

2. Click the button to sign the conversion agreement to enter;

3. Select an adjustment scheme and specify the interest rate as floating or fixed. Check the prompt box below and click to sign the conversion agreement to enter the next step.

4. Click I have fully read and agreed to the agreement, enter the security verification page, fill in the verification code of mobile phone number, and click Submit;

5. After the verification is passed, face recognition will be used for identity verification according to the prompt. After verification, the signature is successful, and click Finish;

6. After signing the contract, you can view it through All Loans-My Loans-Contract Signing -【LPR Share Conversion Agreement Signing, and it will be displayed as converted shares.