Financials Jan 20, 2022 10:29 PM (GMT+8) · EqualOcean
The latest LPR interest rate was announced today, in which the five-year LPR interest rate was reduced by 5bp to 4.6%. The reporter visited a number of bank outlets in Shenzhen and learned that some large state-owned banks have taken the lead and reduced the interest rate by 5 basis points in accordance with the latest interest rate standards. At present, the first mortgage interest rate of the Shenzhen Branch of a large state-owned bank is 4.95% to 5.1%, while many joint-stock banks said that "they have not received the notice of the reduction of mortgage interest rate". At present, the mortgage interest rate of many joint-stock banks in Shenzhen is between 4.9% and 4.75%. Compared with the tightening of quota last year, after the repeated voice of supervision in the middle and late last year, the policy environment of "wide credit" is superimposed. At present, the quota of banks in Guangzhou and Shenzhen is abundant, and it takes only half a month to a month to complete the lending. During the visit, even a personal loan manager of a large state-owned bank told reporters: "as long as the housing mortgage is completed today, the loan can be made tomorrow."