Yangcheng Evening News reporter Dai Manman

  On January 20, the National Interbank Funding Center was authorized to publish the loan market quoted rate (LPR) announcement, showing that the one-year LPR was lowered from 3.8% to 3.7%, which was the second consecutive month of reduction; the five-year LPR had previously been 20 consecutive years. Monthly unchanged, this time from 4.65% to 4.6%.

What is more concerning is that the LPR adjustment with a period of more than 5 years means that it will affect mortgages.

  The first quotation after the new quotation line is released

  According to the official website of the People's Bank of China, on January 20, the National Interbank Funding Center was authorized to publish the loan market quoted rate (LPR) announcement. The loan market quoted rate (LPR) on January 20, 2022 is: 1-year LPR is 3.7% , the LPR of more than 5 years is 4.6%.

The above LPRs are valid until the next LPR is issued.

  Prior to January 17, the central bank launched a 700 billion yuan one-year medium-term loan facility operation and a 100 billion yuan seven-day open market reverse repurchase operation, and the winning bid rates were both lower than expected by 10 basis points.

The MLF and reverse repurchase rates were cut at the same time as expected, which aroused great concern in the market.

  At the press conference held by the State Council Information Office on January 18, some reporters were concerned about whether the loan market quoted interest rate (LPR) this month would be lowered.

In this regard, the central bank responded that LPR quotation banks comprehensively consider their own capital costs, risk premiums, market supply and demand and other factors when quoting, LPR will fully reflect the changes in market interest rates in a timely manner, guide the decline of corporate loan interest rates, and effectively promote the reduction of corporate comprehensive financing costs.

At that time, the market interprets the central bank or is releasing a signal.

  It is worth noting that on January 19, the People's Bank of China issued an announcement to adjust the LPR quotation bank and release time.

The latest quoting banks remained at 18. Postal Savings Bank and Bank of Nanjing were newly shortlisted, while Bank of Xi'an and China CITIC Bank were not selected.

The release time of LPR is adjusted from 9:30 am to 9:15 am on the 20th of each month (it will be postponed in case of holidays).

For this adjustment, the central bank stated that it is to strengthen expectation management and promote a better connection between the release time of LPR and the operation time of the financial market.

  Dong Ximiao, chief researcher of China Merchants Union Finance and a part-time researcher of the Financial Research Institute of Fudan University, believes that the first release of LPR this year is an asymmetric decline, and the release time has also been adjusted from 9:30 to 9:15, which conveys that the central bank strengthens expectation management and protects market confidence. clear signal.

  “信心比黄金更重要,近期货币政策持续调整产生叠加效应,有助于恢复市场主体对未来的预期和信心,激发市场投资需求,推动经济稳步增长。”董希淼认为,1年期和5年期以上LPR双双下降,引导金融机构降低市场主体信贷成本,新增的短期和中长期贷款利率都有望进一步下行,直接利好实体企业。

  首套房贷款100万元每月少还30元

  LPR即贷款市场报价利率,由我国18家报价银行综合考虑资金成本、贷款市场供求、信用溢价所报出来的结果,其他贷款利率可在此基础上加减点生成。这也意味着,5年期以上的LPR调整意味着将会影响房贷。

  不过,多位市场人士均认为,此次5年期以上的LPR下调并不意味着对于房地产政策的放松。“5年期 LPR主要针对中长期贷款,其中最重要的组成部分是个人房贷。央行再次强调因城施策的重要性,我们预期中小城市的房地产市场会有所放松。但是,由于房住不炒的指导思想并未改变,因此不应该对降低5年期LPR的效果寄予过高的期望。”恒生银行(中国)有限公司首席经济学家王丹表示。

  以100万元贷款金额、30年期等额本息还款的方式计算,广州首套房房贷利率的主流利率(LPR+100BP)计算,调整前利率为5.65%,月供额为5772.36元;而利率调整后,首套房房贷利率为5.6%,月供额为5740.79元。按此计算,月供额减少了约31.57元,一年约减少378.84元。

  值得注意的是,新增房贷普遍可以按照最新的LPR利率计算,想要购房者会即刻享受福利。存量房贷则还要视情况而定,即要看购房者的重定价日。

  对于购房者来说,若存量房贷的重定价日是今年的1月1日,参考的则是2021年12月LPR的报价,这就意味着,直至下一个重定价日之前,该周期的房贷并不会发生变化;若存量房贷的重定价日另外约定的日期,如多数银行提供选择的是贷款发放日,则以合同约定的为准,如若约定的日期为2月1日,则最快则在下个月贷款就可以减少,而如果约定的日期为今年的7月1日,则参考的则是今年6月LPR的报价。

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