The interest rate of the first home loan has dropped three times in a row: the list of low interest rates in the same box in the north, Guangzhou and Shenzhen TOP 10

Zhongxin Jingwei Client March 13 (Feng Fang) Recently, many banks quietly lowered the mortgage interest rate. According to the monitoring data of Rong 360, from 2065438 to February 2009, the average interest rate of the first home loan in China dropped for three consecutive months, and the first-tier cities such as Beishangguangshen and Shenzhen all entered the top ten cities with the lowest interest rate of the first home loan. Some people think that the property market is welcoming another wave of benefits. However, in the opinion of experts, the first home loan interest rate callback has limited impact on the property market.

The average interest rate of the first home loan fell for three consecutive months.

According to the monitoring data of Rong 360, the average interest rate of the first home loan from 2065438 to February 2009 was 5.63%, down 0.53% from the previous month. Among 533 banks in 35 cities nationwide, the average interest rate of the first home loan of 2 branches (sub-branches) increased, which was 14 lower than that of the previous month. The average interest rate of the first home loan of 44 branches (sub-branches) decreased and increased by 10 compared with last month.

In addition, the above monitoring data shows that among the top ten cities with the lowest average interest rate of first home loans from 2065438 to February 2009, first-tier cities such as Shanghai, Beijing, Shenzhen and Guangzhou ranked first, fourth, fifth and tenth. Among them, Shenzhen jumped six places and squeezed into the top ten.

Since the beginning of this year, the news that Beijing, Shenzhen and Hangzhou cut mortgage interest rates has been frequently reported in newspapers. According to the monitoring data of Rong 360, after the interest rate of the first home loan in June 5,438+10 decreased, the interest rate of the first home loan in February decreased again, with Nanjing having the largest decline, reaching 20 basis points; Followed by Shenzhen and Nanning, both of which are 1 1 basis point.

Will house prices go up? Experts said that the impact of the real estate market is limited.

Several cities cut mortgage interest rates, overlapping the previous loose settlement policy and the decision of the central bank to cut RRR in early June 1. Some netizens said that they "gave real estate a shot in the arm". Some netizens even speculate that house prices will rise. Is that really the case?

In this regard, many experts hold the same view: the impact is limited.

Zhang Hongwei, director of Tongce Research Institute, said that for first-and second-tier cities, the fine-tuning of mortgage interest rates and the release of favorable policies are still the keynote of high housing prices, which have little impact on the property market. At present, the pressure on housing enterprises in first-and second-tier cities is still difficult to alleviate.

Hu Jinghui, chairman of China Real Estate Agents Association, also holds the same view. He believes that the bank's downward adjustment of the first home loan interest rate is based on the background of low transaction volume in the property market and strong wait-and-see mood of buyers, which will promote the increase of transaction volume to a certain extent, but the impact is limited and will not boost housing prices.

Regarding the future trend of the property market, Zhang Dawei, chief analyst of Zhongyuan Real Estate, pointed out that from the perspective of policy expectations, the current trend of overweight property market regulation policies is still continuing, and it is inevitable that the property market will be stable under the credit tightening.

At the policy level, at the end of 20 18, the central economic work conference pointed out that it is necessary to build a long-term mechanism for the healthy development of the real estate market and adhere to the positioning that houses are used for living, not for speculation. Since then, the Ministry of Housing and Urban-Rural Development has held a national conference on housing and urban-rural construction. The meeting put forward ten aspects of work that should be done well in 20 19. The first is to stabilize land prices, house prices and expectations, and promote the stable and healthy development of the real estate market.

Recently, Wang Zhaoxing, vice chairman of China Banking Regulatory Commission, also voiced his concern about real estate, and listed real estate finance as the key area of risk prevention this year. Wang Zhaoxing said that it will further strengthen the monitoring of real estate loans, ensure the basic demand for housing loans, strictly control speculative real estate loans and prevent funds from entering the real estate market through shadow banking channels.