Core Viewpoint - Shenzhen's new housing policy eliminates the interest rate differentiation between first and second homes, impacting nearly 20 banks in the region [1][2][4]. Group 1: Policy Changes - As of September 6, banks will no longer distinguish between first and second homes in their interest rate pricing [2][4]. - The new policy allows for adjustments in existing second home loans, triggering a normalization mechanism for interest rates [6][7]. Group 2: Financial Impact - The new policy reduces the interest rate for second home loans by 40 basis points, resulting in a decrease of approximately 80,000 yuan in total repayment costs for a 1 million yuan loan over 30 years [3][5]. - Monthly payments will decrease by about 220 yuan, which is significant for customers with larger loan amounts [5]. Group 3: Market Dynamics - The adjustment aims to stimulate the housing market by easing the financial burden on customers looking to upgrade their homes [5][9]. - Banks are motivated to lower rates to attract and retain customers amid a decline in housing demand and a significant drop in residential deposits [9].
深圳近20家银行官宣：房贷新政开始执行，部分存量二套也调整
2 1 Shi Ji Jing Ji Bao Dao·2025-09-13 05:00