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LPR五个月不变 你房贷要转固定利率吗?机会仅1次

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发布时间:2020-09-22 12:32:17
Original title: LPR5 the month is changeless, is your room borrowed should turn secure interest rate? Opportunity only 1
Price of individual housing loan is fiducial, choose LPR or fixed interest rate? Although in August end is finished,this one choice is inscribed, and LPR changeover rate exceeds 92% , but " gens having a house " in still somebody is in kink: Otherwise should go back on his word before the end of the year, does instead secure interest rate?

LPR is successive 5 months are changeless
On September 21, center of short-term loan of a person of same business between bank of whole nation of accredit of Chinese people bank announced interest rate of newest loan market quoted price (LPR) : 1 year period LPR is 3.85% , 5 years period above LPR is 4.65% . Two deadline breed quotes all with keep balance last month, so far LPR already kept changeless in May continuously.

LPR is changeless September, before already somewhat evidence.

Because LPR quote and MLF(metaphase are leasehold convenience) interest rate link up with, because this market pays close attention to the Central Bank,MLF also includes what quote to LPR to be sentenced beforehand when operation interest rate.

On September 15, to maintain bank system liquidity reasonable and abundant, the Central Bank begins 600 billion yuan of metaphase leasehold advantage (MLF) is operated (contain pair of add that MLF expired on September 17 to do) , this MLF operation wins the bid interest rate is 2.95% , with before second operation keeps balance.

"This second add does the Central Bank the price of MLF was not moved fall, adumbrative this period the possibility that LPR quote reduces is reduced. " the personage inside course of study is analysed, of MLF above quota add is done in also explaining Central Bank apt operates level sex to complement to bank system through MLF long-term fluidity, alleviate long-term fluidity slants in bank system close pressure.

Be on guard excessive fluidity enters real estate to wait
"This period LPR maintains do not move accord with anticipate " , bank of the people's livelihood is presiding the net expresses Xiang Zhongxin of researcher lukewarm Bin, the near future as economy gradually look forward to is firm pick up, market money rate experienced more apparent ascendant course. Expect stability to maintain the market, LPR maintains do not move, continue to anabiosis to hypostatic economy the process is formed prop up, capital idling is on guard to cover benefit or excessive fluidity to enter the field such as estate market in the meantime.

Data of national statistic bureau shows, sale of house of 1-8 month commodity nine thousand six hundred and ninety-four billion three hundred million yuan, grow 1.6% , came true become a full member first inside year. In August, the annulus of price of bridal chamber of each line city of 70 cities is compared go up an appreciably expand; Secondhand house price rises besides second line city a fall after a rise, a gleam of and the annulus of 3 line cities are compared go up all expand now.

Drop in temperature to give a building city, adjusting control of 7-8 month estate appeared turn, loosen from the complete bizygomatic breadth first half of the year, begin to appear tighten up a trend, each district publishs policy frequency to amount to in 7-8 month accumulative total 60 for many times.

"Epidemic situation of profit from home is prevented accuse capable, the economy after epidemic disease lasts repair, before this year accumulative total of fixed assets investment was added compared to the same period in August fast answer basically, social consumable total volume of retail sales was added compared to the same period in August fast also become a full member first. Interest rate is necessary without what reduce further, also be the uncertainty that answers global economic depression, abroad epidemic situation and international condition to withhold policy space at the same time. " conch academy thinks.

Building city warms up rear, the room borrows market money rate to fall repeatedly 9 months
Although LPR quote keeps changeless, but loan of countrywide head flatlet, 2 flatlet is average interest rate is already successive 9 months are reduced.

"Since last year December, data by litre turn fall. " be in harmony newest report shows 360 academies, 674 monitoring data that bank branch room lends interest rate make clear 41 keys city, september, loan of countrywide head flatlet is average interest rate is 5.24% , 2 flatlet loan is average interest rate is 5.55% , annulus comparing drops a base point.

"Although integral room borrows interest rate level,still fell slightly in September, but more and more town houses borrow trend of interest rate be issued to lower levels to already showed inflection point, and the interest rate inflection point that 2 flatlet compare a flatlet is more remarkable. " Li Mofu of researcher of academy of 360 big data says be in harmony.

Conch academy releases 21 days " room of key city mainstream borrowed interest rate brief in September " also point out, as our country monetary policy full strength wear off, average mainstream room borrows the 36 towns that its monitor interest rate drops speed puts delay stage by stage, stop basically in September fall.

"Among them, first interest rate 5.21% , 2 5.51% , annulus of first interest rate is compared keep balance, 2 interest rate are small drop. Meanwhile, rate of bank make loans also sole spins, the 36 towns house that monitored in September borrows average loan cycle 39 days, annulus comparing lengthens 1 day. " the mainstream borrowed money in September 2020 interest rate.


The mainstream borrowed money in September 2020 interest rate. Data origin: Conch academy
"The room borrows the phenomenon that loan cycle spins to need to notice, this may affect the conduction of loan of a few person that buy a house to wait. " severe leap forward of chief inspector of research of wisdom warehouse center says easy house academy.

"What the room borrows interest rate and cycle of bank make loans is fluctuant of pair of person that buy a house buy a house decision-making influence is tiny. " Xu Xiaole of chief market analyst weighs conch academy, for instance the 3 million yuan commerce that buy a house borrows money, borrow money 25 years, loan interest rate 5.39% , reimbursement means in order to wait for frontal principal and interest plan, if interest rate drops 5 base point, the month is less than 90 yuan for decreasing, the influence is minor.

Xu Xiaole says, the room lends interest rate low hasten is meant firmly in future short-term inside, differ in two when the dot buys a house, interest rate level is changeless, the month is offerred identical. The extension of loan cycle spun the cycle buying a house of the person that buy a house.

The room borrows interest rate be issued to lower levels to put delay, price pattern still chooses an opportunity once
"Although the influence is minor, and LPR is successive 5 months did not change, but I still want myself to choose. " have " the room is borrowed a group of things with common features " say.

On August 12, 5 state-owned banks release postal savings bank of industrial and commercial bank, construction bank, agriculture bank, Bank of China, China at the same time announcement, will change the individual housing inside limits to borrow money to batch at rising on August 25, unite according to relevant regulation adjust for LPR price pattern. This means what do not change to want this to apply for, what do not apply for is acquiescent turn LPR fixes a price.

On September 15, the Central Bank releases a report to say, financial orgnaization majority is new extend loan already regarded fiducial price as LPR, price of loan of interest rate of the float that put an amount is fiducial changeover already in August 2020 end is finished smoothly, changeover rate exceeds 92% .

But " by " of the changeover that finish " gens having a house " in, the likelihood still has be in in popular feeling make a whisper: After all which good? Can I go back on my word?

Those who need an attention is, if there still is a key in bank announcement: After batch changeover is finished, if disagree to changing an outcome, but on December 31, 2020 (contain) before turn to answer or negotiate processing all right with loan agency through relevant channel self-help.

There still is an opportunity 1 times before the end of the year that is to say, borrow the room interest rate to turn an original price pattern, also can change to secure interest rate. But the price is fiducial can change only, cannot change again after changeover.

LPR and fixed interest rate change means two kinds to have an advantage each, specific how to choose to depend on oneself judgement, walk along the judgement of situation to prospective interest rate especially.

The explanation before this weighs the Central Bank, if think prospective LPR can drop, so it is better that changeover is met to consult LPR fixes a price; If think prospective LPR may rise, so changeover can have an advantage to secure interest rate.

Only 1 go back on one's word opportunity, do you want to use?

The key of the problem depends on, how does LPR future borrow the meeting inside deadline to go in your room?

"This depends on the element such as situation of macroscopical economic trend, inflation and loan market supply and demand, specific should see what quote goes commercialize quote. " Sun Guofeng of director of department of Central Bank monetary policy was in on August 25 routine of policy of the State Council points out on blowy meeting, as LPR reform drives the latent capacity that loan interest rate drops to be released further, predict interest rate of follow-up business loan returns can further be issued to lower levels.

In short-term look, founder negotiable securities is presiding economist color thinks, in normalization monetary policy setting falls, alleviate long-term fluidity is nervous, the main measure of the Central Bank is to exceed quantity add to do MLF, accompany convention to change, counter-purchase the short-term fluidity that is main form in order to go against to adjust. Below the condition that in our country economy main area improves continuously, before the end of the year basic nonexistent the possibility that falls to lower interest definitely.

"The four seasons spends bank pressing to fall the pressure that structural sex deposits money is greater still, hypostatic economy restores the credit that greater strength still needs in development to support, to alleviate of bank system in long-term fluidity pressure, on the base that adopts MLF adjustment, in comfortable point structure sex falls at that time accurate possibility still exists and necessary. " Wen Bin thinks.

So, the last time before the end of the year " 2 choose one " , if be you, how to choose?