Head flatlet lends interest rate 3 fall repeatedly, does house price rise as before?

The near future, much land bank reduces a room to lend interest rate sadly. The 360 data that monitor indicate thaw, feburary 2019, loan of countrywide head flatlet is average interest rate is successive 3 months drop, on north wide before waiting for city of a gleam of greatly to all enter a flatlet to shift city of interest rate lowest 10. The room lends interest rate reduce price of meeting influence house?

Jinan room borrows interest rate to reduce

1 million yuan borrow 20 years to be able to be saved 30 thousand multivariate accrual

Order a report according to neat Lu Yi, from Jinan much home bank and understanding of orgnaization of house property intermediary arrive, head interest rate of flatlet loan mainstream compares rise of standard interest rate 10% , 15%-20% of rise of interest rate of 2 flatlet loan, partial bank is returned to high grade client but consultative implement standard interest rate.

"The room borrows interest rate to be not one knife to cut, can adjust somewhat according to buying the situation of room person however. " intermediary of a house property says, according to cooperative building dish, the different situation such as letter of intermediary, individual ask forring, the room borrows interest rate and room to borrow periodic circumstance to also differ, specific executive interest rate should be decided according to client oneself circumstance.

Head the fall after a rise of flatlet loan interest rate, a good news is undoubtedly for room a group of things with common features to just needing to buy.

Jinan citizen king is happy (alias) the 5 rooms that just conducted a suite borrow formalities last week, interest rate compares fiducial rise 10% . For the circumstance with Wang Le, cent of loan of 1 million business is paid off for 20 years, by 5.39%(10%) of rise of standard interest rate is carried out, press computation of law of principal and interest waiting for the forehead, pay accrual amount 636 thousand yuan.

If according to last year rise of the end of the year of 15% 5.635% will carry out, total interest should pay 669 thousand yuan. Although rise rate callback 5% , but the amount interest expenses that can save below 33 thousand yuan.

Head flatlet lends average interest rate successive 3 months drop

According to be in harmony the monitoring data of 360, loan of countrywide head flatlet is average in Feburary 2019 interest rate is 5.63% , the month on annulus comparing drops 0.53% . In the whole nation 35 cities in 533 banks, 2 banks are divided () travel head flatlet borrows average interest rate to rise, relatively on the month reduces 14; 44 banks are divided () travel head flatlet borrows average interest rate to drop, relatively on the month increases 10.

In addition, afore-mentioned data that monitor show, in Feburary 2019 head before flatlet shifts city of lowest of average interest rate 10 in, the city of a gleam of such as Shanghai, Beijing, Shenzhen, Guangzhou distributes a line the first, the 4th, the 5th, the 10th. Among them, shenzhen jumps repeatedly before 6 impact 10.

Can house price rise? The expert says building city suffers an effect finite

Many cities reduce a room to lend interest rate, policy of settle of before this many ground shakes overlay and the Central Bank at the beginning of January falls to decide definitely. The netizen expresses, "Hit needle of a strong heart to estate again " . Even the netizen guesses, house price can rise as before. If it is so?

To this, the view with many expert unanimous hold: The influence is finite.

With plan academy chief inspector Zhang Hongwei expresses, for big to line of just a little city, the room borrows good policy of interest rate fine tuning and interest to release, still be the fundamental key of tall house price rear, negligible to the influence of building city, the pressure of look forward to of house of town of line of current just a little still alleviates hard.

Have same point of view still have Hu Jinghui of chairman of alliance of a person of same business of Chinese estate broker. He thinks, the bank reduces a flatlet to lend interest rate is to be based on building city to trade the amount is small fan, the person that buy a house is wait-and-see the background with strong sentiment, this can be promoted on certain level trade the promotion of the quantity, but the influence is finite, won't aid the price that push a house to rise.

Anticipate from policy in light of, at present trend of raise the quota of policy of adjusting control of city of each district building lasts, tighten up in credit below, building town is placid it is inevitable.