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Editor's note:
The original article was published on May 16. Today, the quoted rate of the new loan market (LPR) is released. Of this total, the LPR for more than five years was 4.45 per cent, compared with 4.6 per cent previously. Prior to this, on May 15, the central bank and the Bancassurance Regulatory Commission issued a heavy policy on housing loans: the reference standard for the country's first set of commercial personal housing loans was cut by 20 basis points. At that time, based on the current LPR4.6% of five years and above, the interest rate equivalent to the first home loan could be as low as 4.4 per cent. Today, after the decline in LPR for more than five years, it can be as low as 4.25%. According to the loan of 1 million yuan, the term of the loan for 30 years, and the same amount of principal and interest repayment, the interest will be paid 42000 yuan less at maturity and 118 yuan less per month, which reduces the purchase cost of property buyers to a certain extent.
On May 15, 2022, the central bank and the Bancassurance Regulatory Commission issued a noticeThe first setHousingCommercial personal housingThe lower limit of the loan interest rate should be adjusted to no less than the corresponding term.LPR减20 basis points。
So let's explain the content of the notice in detail.
What is LPR?
LPR is calledQuoted interest rate in loan marketThe number of LPR is usually related toOpen market operationinterest rateHooked.
Open market operating interest rateWhat is it?
Here,Open market operationinterest rateMainly refers toMLF interest rate。
Full name of MLFMedium-term lending facilities，You can simply understand that the central bank provides loans to banks that meet certain conditions.interest rate。
MLF is jokingly calledSpicy powder.
LPR is notCentral bankDirectly released, but by 18 representativebusinessBankCalculated from the quotation.
First of all, 18 quoting banks are inMLF interest rateBased onAdd a littleCome to the conclusion thatLPRInitial price，
The quotation lines hereAdd a littleThe range mainly depends on the banks themselves.Cost of funding、Market supply and demand、Risk premiumAnd other factors.
Then, the 18 LPR initial prices quoted by each quotation line are excluded from the highest and lowest prices.Finally, use the remaining 16 quotationsArithmetic averageOut of LPR.
LPRA monthIt is announced once, and the release time is usually the 20th of each month.
LPR interest rates may rise or fall every month.
What do you mean by minus 20 basis points?
One basis point equals 0.01%. 20 basis points is 0.20%.
Our personal mortgage interest rate is determined by adding points on the basis of LPR.
For example, the interest rate of LPR over 5 years is 4.6%.
If a person's plus point is 0.5%, then that person's mortgage interest rate is 4.6% "0.5%" 5.1%.
Add a littleHow much, according to the bank's ownOperation situation, customer's personalRisk situation和Credit conditionsAnd other factors to determine, everyone is different.
In the past, ah, in the interest rate floor implemented at the national level, the first-home interest rateMust not be lower thanThe LPR of the corresponding term.
At this time, based on a LPR of 4.6% over 5 years, no matter how good your personal credit situation is, your first home mortgage interest rate will be the same.Can not be lower than4.6%。
But now the new policy has been changed.First suiteThe interest rate on personal home loans becomes like this:
In other words, the mortgage interest rate for the first suite has been cut by 0.20%, that is,20 basis points。
Based on a LPR of 4.6 per cent for more than five years, the minimum interest rate for the first suite is 4.4 per cent.
Wait a minute, this policy is aboutNew distribution的Commercial personal housing loan，
The stock of housing loans is still in accordance with theThe original contractExecuted.
This adjustment is still persistent. "Do you want to live in a house?The positioning is mainly to support rigid and improved housing demand, which helps to promote the real estate market.Steady and healthy development。
All right, let's call it a day.
Edit / irisz