If the credit card is in installments, each installment will be counted as a debt. If you apply for a mortgage from a bank, the bank will analyze the borrower's repayment ability through the income proof materials provided by the borrower and make a comprehensive score through the banking system. If the debt is too high and the score does not reach the passing line of the bank score, the bank will refuse to grant credit. Of course, it doesn't matter if you have a high income and good credit.

Mortgage interest rates generally rose.

First, the interest rate of the first home mortgage rose 18 months.

The rise in mortgage interest rates is not an isolated case. Earlier, some media reported that the interest rate of the first suite of housing loans of Shenzhen Branch of China Construction Bank was raised from the benchmark interest rate of 10% to 15%, and the second suite rose by 20%. The real interest rate of the first suite of the major mortgage participating banks in Shenzhen has all gone up 15%, and the second suite has gone up by 20%.

According to the Beijing News, the interest rate of the first home loan of individual bank outlets in Beijing rose by 40% on the basis of the benchmark interest rate, and some bank outlets rose by 30%. However, it is understood that the benchmark interest rate is 10%- 15%, which is still the mainstream interest rate of the first home loan in Beijing, and the interest rate of the second home loan mostly rises by 20%.

According to the China Mortgage Market Report released by Rong 360 in July this year, in June, the average interest rate of the first home loan in China was 5.64%, which was equivalent to the benchmark interest rate 1. 15 1 times, up 0.7 1% from May and up/kloc from last June. As of June, the national first home loan interest rate has risen by 18 months.

Interest rates vary from city to city and from bank to bank. The above report shows that first-tier cities keep rising at a low level, and the average interest rate is at a low level in the country; The overall interest rate increase in second-tier cities has dropped, and the number of cities that have risen sharply has decreased. The average interest rate is in the middle and high level of the national interest rate. In terms of banks, the average interest rates of the first home loans of ICBC, ABC, BOC and CCB rose by 15.2% on the basis of the benchmark interest rate.

Second, interest rates are still at a medium level.

At the beginning of 20 17, there were many preferential measures for the interest rate of the first home loan in many cities, and 20% or 10% discount was once the mainstream of the market. But after only 1 year, this situation almost disappeared.

In June this year, the preferential mortgage interest rate accounted for 1. 12%, which was distributed in individual banks in Shanghai. However, there may be adjustments in the near future, and the preferential interest rate will withdraw from the mortgage market.

Regarding the reasons for the sharp rise in mortgage interest rate, Zhang Dawei believes that the previous low interest rate was to stimulate residents' housing consumption, but with the tightening of real estate market regulation, mortgage interest rate should also return to normal level.

"The rapid rise in mortgage interest rates is also related to the low benchmark interest rate for loans. The benchmark interest rate for bank loans over five years is 4.9%, the lowest level for many years. As the market changes, the real loan interest rate will naturally increase. Compared with historical data, the current mainstream 5.88% first home loan interest rate is not high and is still at a medium level. "

According to the benchmark interest rate data of RMB loans of financial institutions released by the central bank, from 199 1 to 20 15, the benchmark interest rate of loans over five years reached 15.3% at the peak, and it has also been higher than 6% in most years in recent years. At present, the benchmark interest rate of 4.9% is at least the lowest level since April 199 1.

Chen Shen also believes that in absolute terms, the mortgage interest rate is not too high and belongs to an average level. He analyzed the client of Sino-Singapore Jingwei and found that personal housing loans grew rapidly in the past two years, resulting in insufficient bank quotas, which may also be the reason for the rise in interest rates.

At the beginning of this year, Pan, deputy governor of the People's Bank of China, said that the mortgage interest rate rose slightly, but it was still at a low level in a longer period. Considering the rising interest rate at the debt end and the risk premium of real estate, commercial banks independently set the interest rate price of housing loans and expand the floating range of interest rates, which is generally in line with the requirements and trends of interest rate marketization.

Zhang Dawei observed that although the mortgage interest rate is still rising, it has been relatively stable in the near future. The interest rate of the first home mortgage is around 5.88%, which is still the mainstream of the market and has risen sharply. It is just an example.

Third, the increase may tend to moderate.

The mortgage interest rate is 50% higher than the benchmark interest rate, which makes Mr. Cheng hesitate. He wants to wait and see if the loan interest rate can come down.

The the State Council executive meeting held on July 23rd released a new signal. The meeting listened to the report that finance and finance further supported the development of the real economy, and called for maintaining macro-policy stability, insisting on not engaging in "flood irrigation" strong stimulus, pre-adjusting and fine-tuning the camera according to changes in the situation, coping with the uncertainty of the external environment, and keeping the economy running in a reasonable range.

Chen Shen believes that the signal of monetary easing has appeared, but the specific flow of funds remains to be seen. The rapid rise in mortgage interest rates has passed, and the future increase will slow down.

The loose monetary environment may have some impact on the real estate market. From this perspective, it is more likely that interest rates will be slightly relaxed in the fourth quarter of this year.

"Although the monetary environment is loose, it also depends on the bank's supervision policy on loans. With less supervision, the bank's loan space will be large and the scale of lending will be large. " Yan Yuejin said.

This round of mortgage interest rate adjustment is mainly reflected in the rise in the interest rate of the first home loan, which also led to the accusation that "the interest rate hike hurts just needed". Pan made it clear in the above speech that the People's Bank of China will urge commercial banks to strictly implement differentiated housing credit policies, implement differentiated pricing for housing loans, and actively support the reasonable demand of residents, especially new citizens, to buy housing.

Raise the mortgage interest rate more? There is a place where the interest rate of the first suite rises by 50%-People's Daily Online.