HSBC Bank (China) Limited (referred to as "HSBC China") issued an announcement on October 12, stating that it is currently lawfully and orderly preparing for the adjustment of existing commercial individual housing loan rates. It is expected to implement batch adjustments to the interest rates of existing commercial individual housing loans that meet the conditions on October 28, 2024. The announcement specifies that for existing commercial individual housing loans with an interest rate markup based on the LPR exceeding -30BP, the markup will be adjusted to not less than -30BP, and not lower than the lower limit of the markup of new commercial individual housing loans currently implemented in the city (if any). Currently, the markup adjustment of the existing commercial individual housing loan rates for second homes in Beijing, Shanghai, and Shenzhen to the lower limit of the new loan rate markups currently implemented, while the markup of other existing commercial individual housing loan rates will be adjusted to not less than -30BP.
外资行跟进 汇丰中国预计于10月28日对符合条件的存量房贷利率实施批量调整
Foreign banks follow up, HSBC China is expected to implement batch adjustments to the interest rates of existing commercial housing loans that meet the conditions on October 28.
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