The housing loan environment continues to be loose, and buyers who just need a home can save another amount of interest.
On February 21, the reporter learned from a number of real estate agencies that from today, the four major banks will simultaneously reduce the mortgage interest rate in Guangzhou.
Among them, the interest rate for the first home was lowered from the previous LPR+100BP (5.6%) to LPR+80BP (5.4%), and the interest rate for the second home was lowered from the previous LPR+120BP (5.8%) to LPR+100BP (5.6%).
Based on this calculation, for the same loan of 5 million yuan and a 30-year term, whether it is the first set or the second set, the buyer can save 627.41 yuan per month for the house, and the accumulated interest can be saved by 225,800 yuan over 30 years.
In response to this news, the reporter learned from the official confirmation of various banks that the ICBC official has not really released the price adjustment news, but is preparing to follow up.
A person in charge of the personal loan department of a large state-owned bank told reporters that unlike the same period last year when the market demand was strong and the mortgage loan amount was tight, since the beginning of this year, real estate transactions have been weak and the bank mortgage loan amount has been ample.