4月全国首套房贷款平均利率为3.10% 监测显示广州、佛山最低仅为2.99%

Core Insights - The average mortgage rates for first-time homebuyers in China have decreased, with the national average at 3.10% in April 2025, down 52 basis points year-on-year [1][3] - The average mortgage rate for second homes is 3.21%, a decrease of 98 basis points year-on-year [1][3] - Most cities have stable mortgage rates, with notable exceptions like Shenyang, where the second home mortgage rate increased by 10 basis points to 3.30% [1][2] Mortgage Rate Trends - The majority of cities have first home mortgage rates between 2.99% and 3.00%, with Guangzhou and Foshan having the lowest rates at 2.99% [2][4] - For second homes, 28 cities have rates between 3.00% and 3.20%, with several cities like Zhengzhou and Foshan at the lowest rate of 3.00% [2][4] - The highest second home mortgage rate is in Hohhot at 3.80% [2] Future Outlook - The mortgage rates are expected to continue declining due to policy adjustments, with commercial mortgage rates likely approaching 3% [7][8] - The People's Bank of China is set to lower housing provident fund loan rates by 0.25 percentage points starting May 8, 2025, which may further influence mortgage rates [7][8] - The overall market sentiment remains low, with a need for reduced mortgage rates to stimulate demand [7][8]