Client of new classics abb is carried in on March 26 report 26 days, academy of 360 big data releases be in harmony the room borrows a report " Chinese room borrowed the market to report in March 2020 " . (The following abbreviation " report " ) , " report " show, in March 2020, loan of countrywide head flatlet is average interest rate is 5.48% , annulus comparing drops 4BP; 30 cities reduce a room to borrow interest rate level, shanghai head shows 3 into head pay a bank.
" report " statistic is monitored and 41 towns house shifts analytic home emphasis market data. Basically be aimed at circumstance of change of countrywide interest rate, reach trend of prospective interest rate to make analytic judgement reach to situation of current interest rate according to the data that monitor unscramble, link policy tendercy and key city actual condition changes to urban interest rate reason, influence and prospective change trend undertake an analysis.
Nearly one year of whole nation head 2 flatlet loan is average interest rate goes situation (example number: 533) . Data origin: Be in harmony 360 | Academy of big data of brief general science and technology
Countrywide room borrows interest rate annulus to fall 4-5BP
Fluctuant and as basic as corresponding LPR consistent
" report " show, academy of 360 big data is opposite be in harmony 533 monitoring data that bank branch room lends interest rate show city of 35 keys of countrywide, march 2020 (data is collected period for on Feburary 20, 2020 - on March 19, 2020) , loan of countrywide head flatlet is average interest rate is 5.45% , annulus comparing drops 5BP, it is corresponding deadline 5 years period LPR adds bit of 70BP; 2 flatlet loan is average interest rate is 5.77% , annulus comparing drops 4BP, for 5 years period LPR adds bit of 102BP.
Rose 2020, the monitoring example of academy of 360 big data enlarges be in harmony to 41 cities 674 banks are divided () row, divide according to 674 banks () the monitoring data of travel, in March 2020, loan of countrywide head flatlet is average interest rate is 5.48% , annulus comparing drops 4BP; 2 flatlet loan is average interest rate is 5.78% , annulus comparing drops 5BP.
" report " analysis, in light of whole, the house that two sample size show borrows interest rate to drop extent is in 4-5 between BP, with corresponding deadline 5 years period LPR falls agree basically. Countrywide head the average interest rate that 2 flatlet borrow money is effective although the level shows bigger downtrend, but LPR adds check the number to did not change basically.
City of a gleam of head flatlet loan is average interest rate annulus is compared. Data origin: Be in harmony 360 | Academy of big data of brief general science and technology
30 cities reduce a room to borrow interest rate level
Shanghai head shows 3 into head pay a bank
" report " say, in March 2020, annulus of loan interest rate compares flatlet of 30 urban head to be reduced somewhat, among them 8 cities fall in 10BP above, kunming head flatlet borrows interest rate ring than falling the biggest, amount to 29BP; Of 7 cities fall for 5BP, namely the room borrows interest rate to add check the number to maintain changeless; Only level of interest rate of loan of flatlet of 4 urban head rises somewhat.
In March 2020, all of city of a gleam of reduces a room to borrow interest rate level. Head flatlet respect, a flatlet loan interest rate of Shanghai, Guangzhou and Shenzhen is average water is average annulus comparing reduces 5BP, beijing annulus is compared reduce 4BP. Specific arrive in light of the city, on north wide interest rate of late loan of first room mainstream is respectively 5.3% , 4.65% , 5.29% with 5.05% . The room of 26 cities in second line city borrows interest rate ring than reducing, among them interest rate of loan of flatlet of 8 urban head falls in 10BP above, kunming is more from Feburary 5.61% fall to 5.32% , annulus comparing drops 29BP; Interest rate of loan of Fosan head flatlet also dropped 15BP; Annulus compared Zhengzhou in March drop 13BP, from 4 defeat greatly " 6 " one of cities fall to 5.91% .
March 2020, the 41 keys town that academy of 360 big data monitors be in harmony in travel of 674 banks branch, head flatlet respect, 6 banks are divided () the orgnaization is reduced head pay proportion, involve 4 cities, among them the partial bank of Shanghai will head flatlet head pays move to first 3 into; 6 banks are divided () the attune on the orgnaization head pay proportion, involve 4 cities, beijing has 3 bank general head flatlet head pays first by original 3.5 come into tone 4 into.
2 flatlet respect, 8 banks are divided () the orgnaization is reduced head pay proportion, involve 3 cities, among them Home Wen Zhou much is large soon 2 flatlet head pay proportion by what unite so 6 into fall to 4 into; 7 banks are divided () the attune on the orgnaization head pay proportion, involve 6 cities, taiyuan appears a domestic general 2 flatlet head Fu You 4 into increase directly to 7 become banks.
Expert: "Because the city uses strategy " hold provide otherness more soon
The room borrows level of interest rate whole to show downtrend
Li Mofu of analyst of academy of 360 big data represents thaw, during epidemic situation, market of each district estate is encountered cold. Much ground government publishs room city relevant policy, because partial policy is maintained to be " the room borrows adjusting control untie a person " appear " one day swims " phenomenon. Future, "The house lives to be not fried " still be thematic, each district " because the city uses strategy " hold provide otherness more soon.
Li Mofu complements, partial bank is adjusting a room to borrow the lag sex with have certain on policy, accordingly, room of predicting future whole nation borrows level of interest rate whole to still can present downtrend. But consider at present the influence of epidemic situation is in abate, our country economic situation is mixed answer of go back to work is produced restore stage by stage, superintend right short-term inside reduce 5 years period LPR slants careful, although the room borrows interest rate to continue to drop, big probability also is met relatively gently. (In APP of new classics abb)
