The 360 big data research institute released data recently showed that in December 2018, the national first home loan averageinterest rateAt 5.68%, the chain fell by 0.53%, which is the first national average.interest rateFor the first time in 23 months, there has been a decline.
Since December 2016, the average interest rate trend of the first home loan in China. Source: Rong 360 Big Data Research Institute
The first set of interest rates in the first-tier cities fell collectively
National second-home loan interest rate fell for two consecutive months
Recently, news of “loose mortgage interest rates” has been reported in many places, especially in first-tier cities. First, some commercial banks in Shenzhen lowered the mortgage interest rate; after that, there were 5 new banks in the Shanghai area to increase the minimum 5% discount for the first set of banks, and the first suite of Guangzhou HSBC only 5%. The Beijing area has no mortgage interest rate adjustment recently, but currently The implementation of the “base rate rise of 10%” rule is also significantly relaxed compared to the same period in 2017.
According to the statistics of Rong 360, in December 2018, there were a total of 17 cities with the first set of interest rate corrections. The average interest rate of the first set of interest rates in the north and the north and the most popular second-tier cities declined to varying degrees. One month ago, in November 2018, only the first set of interest rates in Guangzhou and Shenzhen were among the four first-tier cities. In December, the country's first lowest interest rate rankings: Shanghai ranked first, Beijing fourth, Guangzhou ninth, Shenzhen tenth, and Beijing's ranking increased by two times from November.
The second home loan interest rate fell earlier than the first set of interest rates. According to the monitoring data of 360 Data Research Institute, the average interest rate of the second home loan in China in December 2018 was 6.04%, which was 2BP lower than last month, and it was two consecutive years. The monthly decline occurred, and the average interest rate of the second set of loans in December fell by 0.33%.
The highest interest rate in Wuhan in December
Harbin rose the most in the year
Regrettably, although the mortgage rate correction is a general trend, it seems that it has not been transmitted to the whole country. According to the monitoring data of 360 Data Research Institute, the average interest rate of the first home loan in Wuhan in December 2018 ranked first in the country, and the first set of interest rates in Wuhan was 6.24%.
Average Interest Rate of First Home Loan in First- and Second-tier Cities in December 2018 Source: Rong 360 Big Data Research Institute
Also eye-catching is Harbin – the first set of interest rates for the year rose by 14.01% year-on-year, the highest among the 35 cities in the country monitored by 360. The lowest was Chongqing, which rose only 0.04% year-on-year.
Rong 360 Big Data Institute Housing LoanAnalystLi’s only interview with the media said: “At present, the interest rate of mortgage loans in the first-tier cities of Guangzhou, Shenzhen and Shenzhen, both in one set and two sets, have shown signs of loosening. It is estimated that other cities in the country will follow up, but the overall magnitude is not It will be too big, and the market tone is still stable."
Guo Yi, chief analyst of Heshuo, pointed out that for buyers, the bank’s funds are abundant, plus a new year.CreditWith the liberalization of the quota, the mortgage threshold will also be loose. After the general increase of 10%-15% of the mortgage interest rate in the country, the floating part will gradually shrink, and the actual purchase cost of home buyers will also be reduced.
The interest rate of Minsheng Bank is the most stable in 2018
Citigroup, the vast majority, the construction bank changed greatly
Rong 360 compared the average interest rates of 15 domestic banks at the beginning and end of the year. It was found that in 2018, the average interest rate of Minsheng Bankers was the smallest, only 1.58%; Citibank’s average interest rate rose the most, 8.31%, followed by Everbright Bank 8.26. %, Construction Bank 7.65%.
The average interest rate of banks in 2018 changed year-on-year (15 were extracted) Source: Rong 360 Big Data Research Institute
According to the 360 Big Data Research Institute, the increase in the average interest rate of each bank is related to the bank's previous preferential margins and the subsequent upswing. The interest rate adjustment of specific banks in the later period depends largely on the bank's liquidity and business strategy.
Yan Yuejin, research director of the Yiju Research Center think tank, said that after the RRR cut, the bank's loan policy will tend to be loose, including development loans and personal mortgage loans, and even loans in the rental market. In fact, they will face a loose concept. Contribute to the active follow-up of such markets.
(Article source: Zhongxin Jingwei)