上海楼市新政银行层面配套执行细则公布

Core Viewpoint - Shanghai's new real estate policy, effective from August 25, has led to banks announcing adjustments to their commercial housing loan interest rate pricing mechanisms, aiming to optimize the housing market [1][2]. Group 1: Policy Implementation - Major banks in Shanghai, including ICBC, Bank of China, and others, have released announcements regarding the adjustment of commercial housing loan interest rates [1]. - The new policy eliminates the distinction between first and second home loans, with interest rates determined based on the market rate pricing mechanism and individual bank conditions [2]. Group 2: Interest Rate Adjustments - Existing housing loan interest rates can also be adjusted for eligible borrowers, following the guidelines from last year's notification regarding the pricing mechanism [2]. - The adjustment rules state that if the existing loan interest rate exceeds the average new loan interest rate by more than 30 basis points, borrowers can apply for a rate adjustment [2]. - As of the second quarter of 2025, the weighted average interest rate for new commercial housing loans in China is reported to be 3.09% [2]. Group 3: Borrower Access - Starting September 1, borrowers can check their eligibility for interest rate reductions through the mobile banking channels of the respective banks [3].