According to Beiwu, many banks in Guangzhou recently lowered the mortgage interest rate by 5- 10 percentage point. However, in view of the fact that the mortgage interest rate in Guangzhou has risen above the benchmark interest rate 10%-20%, it is still above the benchmark interest rate despite some adjustments.

List of benchmark interest rates for central bank loans

Project annual interest rate%

I. Short-term loans

Annual interest rate within one year (including one year): 4.35%

Second, medium and long-term loans

Annual interest rate for one to five years (including five years): 4.75

Annual interest rate for more than five years: 4.90

Three, personal housing provident fund loans

Annual interest rate for five years or less: 2.75.

Annual interest rate for more than five years: 3.25

At present, among the first-tier banking companies in Guangzhou 17, the interest rate of the first home loan has risen by 5%- 10%, which has become the mainstream. Among them, the interest rates of the first home loans of the three banks were raised by 5% or 5.5%. For example, the interest rate of ICBC's first home loan was lowered from 10% to 5%, and the interest rate of China Bank's first home banquet cherry blossom loan was lowered from 10% to 5.5%. In addition, the first home loan interest rates of China Merchants Bank, Rural Commercial Bank and Industrial Bank have also been imitated or adjusted. As for the interest rate of the second home loan, most banks have also lowered the interest rate of the second home loan, and at present, they mainly implement the floating 10%- 15%.

Guangzhou housing commercial loan interest rate

Guangzhou housing commercial loan interest rate: 0-6 months (including 6 months), annual interest rate: 4.35%; 6 months-1 year (inclusive), with an annual interest rate of 4.35%; 1-3 years (including 3 years), with annual interest rate of 4.75%; 3-5 years (including 5 years), with an annual interest rate of 4.75%; 5-30 years (including 30 years), with an annual interest rate of 4.90%;

Guangzhou first home provident fund loan interest rate

The interest rate of the first home provident fund loan in Guangzhou is 2.6%. The annual interest rate of the first housing provident fund loan is 2.6%. If the loan term exceeds 5 years, the annual interest rate of the first housing provident fund loan is 3. 1%. From June 65438+1 October1day, 2022, the interest rate of the first individual housing provident fund loan was lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years were adjusted to 2.6% and 3. 1% respectively.