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Expert： Interest expense is basically unaffected.

　　Nanfang Daily News (Reporter/Li Hualian, zhangyan, Chen Ying) On August 25th, the People’s Bank of China announced that since October 8th this year, the new commercial personal housing loan interest rate has been formed by adding the loan market quotation rate (LPR) for the corresponding period in the latest month as the pricing benchmark. Among them, the interest rate of the first set of individual housing loans shall not be lower than the corresponding term LPR, and the interest rate of the second set of individual housing loans shall not be lower than the corresponding term LPR plus 60 basis points.

　　What is the impact of the adjustment of housing loan interest rate on ordinary residents’ loans? In this regard, the relevant person in charge of the People’s Bank of China said that compared with before the reform, the interest expenses of households applying for individual housing loans were basically unaffected.

　　The interest rate of the first home loan shall not be lower than the quoted interest rate of the loan market for the corresponding term.

　　According to the announcement of the central bank, since October 8 this year, the interest rate of newly issued commercial personal housing loans has been formed by adding the loan market quotation rate (LPR) of the corresponding period in the last month as the pricing benchmark. The added value should meet the requirements of national and local housing credit policies, reflect the loan risk situation, and remain unchanged during the contract period.

　　"The most important change in this adjustment is the change in the pricing benchmark of individual housing loans." Dong Ximiao, chief researcher of Xinwang Bank, said in an interview that before this adjustment, the pricing benchmark of individual housing loans was the benchmark interest rate of loans. After adjustment, the pricing benchmark of individual housing loans is the loan market quotation rate (LPR), that is, the interest rate of individual housing loans is determined by adding some points on the basis of LPR.

　　How to price the interest rate of individual housing loan after the reform? In this regard, the relevant person in charge of the People’s Bank of China said that after the reform, the interest rate of newly issued commercial personal housing loans was formed by adding the quotation rate of the loan market for the corresponding period in the last month as the pricing benchmark. Among them, the loan market quotation rate is calculated by the quotation bank of the loan market quotation rate. According to reports, after the conversion of the pricing benchmark, the interest rate of the first set of individual housing loans newly issued nationwide shall not be lower than the corresponding term LPR (according to the LPR of more than five years on August 20, 4.85%); The interest rate of two sets of personal housing loans shall not be lower than the corresponding term LPR plus 60 basis points (calculated as 5.45% according to the LPR of more than five years on August 20), which is basically equivalent to the actual minimum interest rate of personal housing loans in China at present.

　　Interest expense is basically unaffected.

　　The announcement makes it clear that the repricing period of individual housing loan interest rate can be agreed by both parties through consultation, with the shortest period being one year and the longest period being the contract term. Borrowers and lending banks can choose according to their own interest rate risk bearing and management capabilities. Every time the interest rate is repriced, the pricing benchmark is adjusted to the LPR of the corresponding period in the latest month.

　　What is interest rate repricing? The relevant person in charge of the People’s Bank of China explained that interest rate repricing means that the loan bank determines to form a new loan interest rate level according to the change of pricing benchmark according to the calculation method agreed in the contract.

　　"Compared with before the reform, households applied for personal housing loans, and interest expenses were basically unaffected." The relevant person in charge of the People’s Bank of China said that the announcement was mainly aimed at the interest rate of newly issued individual housing loans, and the interest rate of existing individual housing loans was still implemented according to the original contract. The interest rate policy of provident fund personal housing loan will not be adjusted for the time being.

　　It is strictly forbidden to provide "remortgage and mortgage" services.

　　Why adjust the mortgage interest rate at this time? The relevant person in charge of the People’s Bank of China said that the interest rate of individual housing loans is an integral part of the loan interest rate system. In the process of reforming and improving the formation mechanism of the loan market quotation rate (LPR), the pricing benchmark of individual housing loans also needs to be converted from the loan benchmark interest rate to LPR to better play the role of the market.

　　"The personal housing loan interest rate is also an important part of the long-term management mechanism of the real estate market and the regional differentiated housing credit policy." The relevant person in charge of the People’s Bank of China said that in order to implement the positioning of "the house is for living, not for speculation" and the long-term management mechanism of the real estate market, ensure the smooth and orderly conversion of the pricing benchmark, keep the interest rate of individual housing loans basically stable, and safeguard the legitimate rights and interests of both borrowers and lenders, the People’s Bank of China issued an announcement to clarify matters related to the adjustment of the interest rate of individual housing loans.

　　At the same time, the announcement stressed that it is strictly forbidden to provide personal housing loans with "remortgage" and "mortgage-adding" services to ensure the smooth and orderly progress of related work.

　　■ Interpretation

　　Mortgage interest rate will be more market-oriented.

　　For property buyers, after the New Deal, did the mortgage interest rate go up or down? According to the monitoring data of Rong 360 Big Data Research Institute, in July 2019, the average interest rate of the first home loan in China was 5.44%, and the average interest rate of the second home loan was 5.76%. If the LPR after October 8 is roughly maintained at the current level, does it mean that the mortgage interest rate has declined after the New Deal?

　　"This is the minimum requirement for national unity." Dong Ximiao said that judging from the announcement, the provincial branches of the central bank will determine the lower limit of the interest rate of the first and second sets of individual housing loans in various places according to the principle of "policy according to the city" and changes in the local real estate market situation.

　　Zhou Jingtong, a researcher in charge of the Bank of China, said in an interview that the future mortgage interest rate will more prominently reflect the regionality, monetary policy and credit strategies of banks, and the difference of mortgage interest rate will be greater in different regions, different customers and different periods.

　　At the routine briefing on the State Council policy held by the State Council Press Office on August 20th, Liu Guoqiang, deputy governor of the central bank, made it clear that the principle of "staying in the house without speculation" should be resolutely implemented in the real estate market, and the mortgage interest rate would not drop.

　　From the market point of view, the mortgage interest rate has an upward trend in August. According to the latest information obtained by reporters from a number of banks, it is unlikely that the short-term mortgage interest rate will be lowered due to the recent tight mortgage quota.

　　Nanfang Daily reporter Chen Ying zhangyan Li Hualian

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