Our reporter Peng Yan

　　Since the beginning of this year, it is not uncommon for mortgage interest rates to drop in various places.

Since March, the first-home loan interest rate for second-hand houses in many places has been lowered to below 5%, and some areas have begun to see interest rates of 4.6%, which is the same as the LPR quotation of more than 5 years this month.

In addition, many banks said that the buyers have prepared all the information, and the banks can generally complete the loan within 2 weeks after the approval is completed.

　　Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, told the "Securities Daily" reporter that in the past, most loan interest rates were still more than 5%, and the current housing loan interest rate is on par with LPR, which will help the market to recover.

From the perspective of homebuyers, this does have a great burden-reducing effect on subsequent repayments.

For banks, the current pace of lending really needs to be accelerated to really reduce the cost of mortgage loans for customers.

　　Mortgage interest rates cut in many places

　　According to the incomplete statistics of the reporter of Securities Daily, since March, the mortgage interest rates in many places have generally been lowered. At present, Shanghai, Shenzhen, Harbin, Suzhou and other places have seen the first-home loan interest rate of second-hand housing be lower than 5%.

The reporter consulted the branches of banks in many places as a house buyer.

　　The staff of some major state-owned banks in Harbin told the "Securities Daily" reporter that since March 23, the first-home loan interest rate for newly signed new houses and second-hand houses will be lowered, from the previous 4.95% and 5.05% respectively. It has dropped to 4.75%. % and 4.85%.

　　At the same time, some joint-stock banks have also lowered the first-home loan interest rate for second-hand houses, from more than 5% a month ago to the current 4.95%.

According to personal loan managers of some banks, whether or not to get the lowest mortgage interest rate depends on personal qualifications, mainly including work units, credit information and income.

In addition, there are also clear requirements of banks that loan customers need to see the house with an intermediary company designated by the bank in order to enjoy the lowest loan interest rate.

　　A staff member of a bank in Zhengzhou told reporters that the loan interest rate of second-hand housing for the first home has recently dropped below 5%.

The reporter's investigation found that since the beginning of this year, the housing loan interest rate in Suzhou has experienced several reductions. Since March, the minimum loan interest rate for the first home of many banks in the region is the same as the LPR interest rate of more than 5 years.

In the first-tier cities, the first-home loan interest rate for second-hand houses of many banks in Shenzhen, Shanghai and other places is currently lower than 5%.

　　Regarding the reasons for the reduction of mortgage interest rates by banks in many places, Li Yujia, chief researcher of the Guangdong Housing Policy Research Center, told the "Securities Daily" reporter that after the mortgage interest rate is linked to the LPR system, according to the principle of city-specific policies, not all urban mortgage interest rates are reduced. , it just means that the city where the property market transaction volume and expected decline are more obvious, or the city where the interest rate rises more obviously in the early stage, it is necessary to reduce the level of LPR plus points.

　　According to the monitoring of the Shell Research Institute, in March, the mortgage interest rate fell by the largest monthly decline since 2019, and the mortgage environment was relaxed.

In 82 of the 103 cities, the mainstream mortgage interest rates were lowered, including 20 cities including Suzhou, Shenzhen, Shanghai and other 20 cities where the first mortgage interest rate was lower than 5%.

　　Li Yujia believes that there will be many cities in the future to reduce the mortgage interest rate, but there will be no situation where the first home loan interest rate is lower than the LPR.

Since 2020, many cities have raised mortgage interest rates, and it is expected that most cities will reduce interest rates in the future.

　　The market is expected to further recover in the second quarter

　　A friendly credit environment has effectively driven market transactions.

Recently, the transaction volume of the second-hand housing market in some areas has rebounded.

The recovery of the second-hand housing market has been confirmed by some real estate agents.

　　"At present, Suzhou's relatively favorable mortgage interest rates have indeed attracted many home buyers." Many real estate brokers in Suzhou told the "Securities Daily" reporter that the number of customers viewing houses has increased significantly these days, especially for just-needed and improved housing. Most customers.

　　"Since this year, Zhengzhou's second-hand housing market has shown signs of a slight recovery." A broker of a real estate company in Zhengzhou told reporters that with the reduction of second-hand housing loan interest rates and the acceleration of lending in some banks, some early-stage home buyers who were interested in Start taking the initiative to contact the viewing room.

　　Data from the Shell Research Institute shows that since March (from March 1 to 17), the average daily transaction volume of second-hand housing in the 50 cities it monitors has increased by about 17% compared with the average daily transaction level in February (after the Spring Festival). The index remained stable; the second-hand housing market supply and demand activity also increased, and the number of new customers and newly listed houses in the second-hand housing market in Shell's 50 cities increased compared with the daily average in February (after the spring).

　　According to statistics from the Zhuge Housing Research Institute, as of March 21, nearly 60 cities have optimized their property market regulation policies.

　　In this regard, Xu Xiaole, chief market analyst of the Shell Research Institute, told the "Securities Daily" reporter that under the framework of stable macro policies, the housing credit environment has further warmed, prompting a rebound in the second-hand housing market transactions.

The current market expectations are still weak, and demand-side confidence has not yet fully recovered.

It is expected that the credit environment will remain friendly in the future, and local supportive control policies will be further introduced, which will accurately guide the release of reasonable housing demand.

　　Yan Yuejin said, "It is expected that the real estate market will generally pick up in the second quarter of this year, and the market demand is obviously improving. The second quarter is also a very important key point for stabilizing economic growth in various regions." (Securities Daily)