上海房贷利率调整开始！已有购房者将二套房利率调整为首套房利率

Core Insights - The new housing policy in Shanghai, effective from August 25, eliminates the distinction between first and second home mortgage rates, aligning the new second home loan rates closer to first home rates [3] - Several banks, including China Construction Bank and Beijing Bank, have initiated processes to convert existing second home loan rates to first home loan rates [4] - Customers can now adjust their existing mortgage rates through mobile banking apps, with specific conditions for rate adjustments based on market demand and individual credit situations [5] Group 1 - The new policy allows for second home loan rates to be adjusted to match first home loan rates, impacting the overall mortgage landscape in Shanghai [3] - Banks are actively facilitating the transition for customers, indicating a shift in lending practices [4] - The adjustment process for existing loans is accessible via mobile apps, streamlining customer experience [5] Group 2 - The adjustment of existing mortgage rates is contingent upon the previous quarter's average new loan rates, with a minimum increase of 30 basis points [5] - Factors influencing the new rate adjustments include market supply and demand, customer creditworthiness, and changes in loan guarantees [5]