2024.0401

Number of words in this article:892, the reading time is about 2 minutes

introduction： 至此，广东省已有15个城市取消首套房贷利率下限。

** Source| ** Guangzhou Daily

The reporter learned from a number of banks in Chaozhou and Shanwei that from April 1, the cities of Chaozhou and Shanwei will periodically abolish the lower limit of interest rates for the first home loans under their jurisdiction, and the real interest rates will be determined by commercial banks through independent consultation with borrowers in accordance with the principles of marketization and legalization. So far, 15 cities in Guangdong Province have cancelled the floor of interest rates on first home loans. On December 30, 2022, the people's Bank of China and the General Administration of Financial Supervision established a dynamic adjustment mechanism for the interest rate policy of the first home loan. The lower limit of the interest rate of the first home loan was relaxed periodically for the cities where the sales prices of newly built commercial housing declined for three consecutive months compared with the same period last year. At present, the lower limit of the interest rate of the first commercial personal housing loan is LPR-20BP. "Chaozhou, Shanwei City phased cancellation of the jurisdiction of the first home loan interest rate floor, but also because of the decline in local commercial housing sales prices and adjustment." A banker told the reporter. Previously, Dongguan, Foshan, Zhuhai, Zhongshan, Huizhou, Shantou, Jiangmen, Zhanjiang, Zhaoqing, Yangjiang, Qingyuan, Shaoguan, Yunfu have cancelled the floor of interest rates for first home loans. According to the dynamic adjustment mechanism, if the sales prices of newly-built commercial houses rise month-on-month and for three consecutive months compared with the same period last year during the follow-up evaluation period, the national unified lower interest rate for commercial personal housing loans for first-home housing will be resumed from the next quarter. Shanwei Agricultural Bank of China, Bank of China relevant departments said that before Shanwei first home loan interest rate floor is LPR-20BP, now abolish the first suite loan interest rate floor, is conducive to better support rigid housing demand, promote the healthy development of Shanwei real estate market. The staff of Haifeng Agricultural and Commercial Bank said that after the interest rate floor of the first home loan is cancelled, the bank will take into account the changes in the market and comprehensively consider the proportion of customers' down payment, credit status, income and other factors, and timely adjust the actual implementation interest rate of the first home loan to provide better support for residents to buy houses. In Chaozhou, Chaozhou Agricultural Bank said that the policy of abolishing the lower limit of interest rates on the first home loan, which will be implemented in Chaozhou from April 1, is aimed at creating a good real estate financial policy environment. combined with a series of policies such as "16 Financial principles", "non-recognition of Housing loans" and "optimizing differential Housing Credit Policy", it will further reduce the threshold for buyers to enter the market and loan costs, and reduce the burden on mortgage costs. Fully release rigid and improved housing demand. Industrial Bank Chaozhou Branch said that the real estate policy continues to be optimized, and the phased cancellation of the lower limit of interest rates on the first home loan is another powerful measure to benefit the rigid demand groups for home purchase, and the residents' purchase cost will be further reduced. it will promote the release of rigid demand and improve housing demand, which is conducive to the stable development of the real estate market. **