Our news (reporter Pan Fuda intern Deng bichuan) with the latest reduction of more than five-year LPR (quoted interest rate in the loan market), banks in Beijing reduced the mortgage interest rate by 5 basis points yesterday. The interest rate of the first mortgage generally fell to 5.15% and that of the second mortgage fell to 5.65%. However, it should be noted that not all mortgage customers can immediately enjoy the new interest rate after the reduction, and the specific situation needs to be analyzed in detail.
Yesterday, the reporter consulted a number of bank outlets as home buyers. According to the staff of Fangzhuang fangqunyuan sub branch, the interest rate of the first house loan is 5.15% and that of the second is 5.65%. Postal Savings Bank Of China Co.Ltd(601658) the staff of Dongcheng sub branch and Chaoyang sub branch of China Construction Bank reported the same loan interest rate.
It is reported that at present, the interest rate of the housing loan market in Beijing still implements the standard that the first housing loan interest rate is more than 5-year LPR + 55 basis points and the second housing loan interest rate is more than 5-year LPR + 105 basis points. Previously, the first housing loan interest rate has been maintained at 5.2% and the second housing loan interest rate is 5.7%. Therefore, after the 5-year LPR was lowered by 5 basis points, the interest rate was reduced to 5.15% and 5.65%.
