National mortgage market inflection point, preferential decline for the first time 月丘うさぎ

National mortgage market inflection point, preferential ratio declined for the first time [Abstract] mobile financial intelligence platform 360 released the latest September mortgage data, from the country’s first suite lending average interest rate trend, the first month of the country’s first suite average interest rate was 4.44%, unchanged from the previous month. Preferential proportion fell for the first time, analysts said the bottom line has to discount or tightening, subsequent – New Express reporter Li Hualian the proportion of mortgage lending rate fell for the first time. Mobile financial intelligence platform 360 released the latest September mortgage data, from the country’s first suite lending average interest rate trend, the first month of the country’s first suite average interest rate was 4.44%, unchanged from the previous month, continuous decline. Compared with 4.91% in September last year, it declined by 0.47%. Last year, the national preferential interest rate accounted for 59.25%, since then the national preferential interest rate accounted for continued growth, this month preferential interest rate accounted for 85.74%, down 0.35% last month, the first decline. Financial 360 is expected, the national mortgage interest rate for the first time dropped, means that the bank’s interest rate concessions basically to the bottom line, the subsequent tightening may be favorable. Nationally, the lowest average interest rates for the first suite in September were Tianjin, Foshan, Zhuhai, Guangzhou and other places. Among them, Foshan is 4.17%, Zhuhai is 4.18%, Guangzhou is 4.19%. The bank, in the monitoring of the 23 banks, Ping An Bank first home loan interest rates last month from 15% off to 18% off this month, Citibank first mortgage interest rates last month from 13% off to 15% off this month, the first mortgage interest rate is the lowest of the HSBC 20 percent off, the benchmark interest rate is the highest standard chartered bank, a total of 19 banks perform 15% off preferential interest rates is the mainstream interest rate loans first suite. The first fangshoufu, all 23 banks Shoufu 30%. Two suites, 23 banks, two suites, all the implementation of 7, 70% down payment policy. Two suites loan interest rate, the highest is Guangzhou bank benchmark interest rate rose 15%, and the remaining 22 banks all perform benchmark interest rate rose 10%. In September 14th, the central bank issued the August financial statistics report, last month, RMB loans increased by 948 billion 700 million yuan, of which individual housing loans increased by 528 billion 600 million yuan, accounting for 55.72%, becoming the main credit growth. The people’s University report also shows that in the first half of 2016 new RMB Loans 7 trillion and 500 billion, at least 2 trillion and 300 billion to purchase loans (close to the level of 2015 year), accounting for 31% of the new RMB loans, plus 1 trillion and 100 billion to invest in the real estate development loans, a total of at least 46% of the loan to invest in the real estate market. Guangzhou area bank mortgage interest rates, bank interest rates first suite two suites rate note HSBC 20 percent off up 10% customers first Suite (loans above 1 million) minimum 20 percent off; loans below 1 million, the lowest 18% off Ping An Bank 18% off 10% higher quality customer first real minimum 18% off + years; age less than 50 years of industrial and commercial bank loans 15% off second-hand housing must go up 10% the housing intermediary.

全国房贷市场拐点初现?优惠占比首次下降 [摘要]移动金融智选平台融360公布了最新的9月房贷数据,从全国首套房贷款平均利率走势来看,当月全国首套房平均利率为4.44%,与上月持平。  优惠占比首次下降,分析称优惠底线已到,后续或收紧  ■新快报记者 黎华联  全国房贷优惠利率占比首次下降。移动金融智选平台融360公布了最新的9月房贷数据,从全国首套房贷款平均利率走势来看,当月全国首套房平均利率为4.44%,与上月持平,连续止跌。同比去年9月的4.91%,则下降0.47%。去年同期,全国优惠利率占比为59.25%,此后全国优惠利率占比持续增长,本月优惠利率占比85.74%,较上月下降了0.35%,首次下降。融360预计,全国房贷优惠利率占比首次下降意味着银行的利率优惠基本到了底线,后续可能收紧优惠。  全国来看,9月份首套房平均利率最低的城市为天津、佛山、珠海、广州等地。其中,佛山是4.17%,珠海是4.18%,广州是4.19%。  具体银行来看,在监测的23家银行中,平安银行首套房贷款利率从上月8.5折调至本月8.2折,花旗银行首套房贷利率从上月8.7折调至本月8.5折,首套房贷利率最低的为汇丰银行的8折,最高的是渣打银行的基准利率,共有19家银行执行8.5折优惠利率,是首套房贷款的主流利率。首套房首付方面,23家银行全部为首付三成。  二套房方面,23家银行二套房全部执行7七成首付政策。二套房贷款利率方面,最高的是广州银行的基准利率上浮15%,其余22家银行全部执行基准利率上浮10%。  9月14日,央行发布的8月份金融统计数据报告称,上月人民币贷款增长9487亿元,其中个人住房贷款增长5286亿元,占比55.72%,成为信贷增长主力。当天人民大学发布的报告亦显示,在2016年上半年新增人民币贷款7.5万亿中,有至少2.3万亿投向了购房贷款(接近2015年全年的水平),占新增人民币贷款的31%,加上1.1万亿投向房地产开发企业的贷款,合计至少有46%的贷款投向了房地产市场。  广州地区部分银行房贷利率情况  银行首套房利率二套房利率备注  汇丰银行8折上浮10%优质客户首套房(贷款100万以上)最低8折;贷款100万以下,最低8.2折  平安银行8.2折上浮10%优质客户首套房最低8.2折;房龄+贷款年限≤ 50年  工商银行8.5折上浮10%二手房须经中介;房龄+贷款年限≤ 50年  花旗银行8.5折上浮10%优质客户(贵宾客户)首套房最低8.5折,利率折扣8.5-8.7折,具体利率由客户资质而定  建设银行8.5折上浮10%可以做公积金组合贷;房龄+贷款年限≤ 50年  农业银行8.5折上浮10%房龄+贷款年限≤ 50年  邮储银行8.5折上浮10%可以做公积金组合贷;房龄+贷款年限≤ 50年  中国银行8.5折上浮10%房龄+贷款年限≤ 50年  注:以上数据来自融360,上浮下折均以目前基准利率(4.90%)为基准,数据仅供参考。相关的主题文章: