上海房贷新政落地首日：存量客户可线上申请调整，部分二套利率降9BP

Core Viewpoint - The recent adjustment of housing loan interest rates in Shanghai marks a significant shift in the pricing mechanism, unifying rates for first and second homes and allowing for regular adjustments on existing loans [1][2][3] Group 1: Policy Implementation - The new housing loan interest rate adjustment officially took effect on September 1, with many banks allowing existing loan customers to apply for rate adjustments online [1][2] - The adjustment includes a reduction in the interest rate for second homes, which decreased from 3.45% to 3.36%, representing a drop of approximately 9 basis points [1][2] - Over 20 banks, including state-owned and local banks, have announced changes to the pricing mechanism for personal housing loans in Shanghai, with most implementing the changes on the same day [2][3] Group 2: Customer Impact - Customers can expect a reduction in monthly payments; for example, a loan of 1 million yuan over 20 years at the new rate will save approximately 50 yuan per month and over 10,000 yuan in total interest [2] - Many customers have expressed satisfaction with the adjustments, noting that while the reductions are modest, they still alleviate some financial burden [2][4] Group 3: Adjustment Process - The adjustment process allows customers whose existing loan rate add-ons exceed the average new loan rate by more than 30 basis points to apply for a reduction [3][4] - Banks have different procedures for processing these adjustments, with some allowing applications via mobile banking apps and others requiring in-person visits [6][7] - The adjustments do not affect other contract terms such as loan balance or repayment period, and no fees are charged for the adjustments [7]