Core Viewpoint - The recent adjustment in mortgage rates in Shanghai allows existing second-home loan customers to switch to the current first-home loan rate, resulting in a decrease in interest rates for many borrowers [1] Group 1: Mortgage Rate Adjustments - As of September 1, Shanghai has initiated a new round of mortgage rate adjustments, enabling customers to convert their existing second-home loan rates to the current first-home loan rates [1] - A specific case was reported where a customer successfully reduced her mortgage rate from 3.45% (LPR-5BP) to 3.36% (LPR-14BP), marking a reduction of 9 basis points [1] - Several banks, including China Construction Bank and Beijing Bank, have begun the process for existing second-home loan customers to switch to first-home loan rates [1] Group 2: Operational Details - Customers can perform the conversion through their bank's mobile app, with eligible customers receiving notifications on their apps [1] - The adjustment allows for a new agreed-upon rate that cannot be lower than the average new mortgage rate plus 30 basis points from the previous quarter [1] - The specific adjustment in the rate will depend on market demand, customer creditworthiness, and changes in loan guarantees [1]
上海房贷利率新一轮调整开始 已有购房者将二套房利率调整为首套房利率
Xin Lang Cai Jing·2025-09-01 04:50