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广州房贷利率有变!多家银行已执行
21世纪经济报道·2025-05-18 08:16

Core Viewpoint - The recent adjustment in Guangzhou's mortgage rates reflects a slight increase in the minimum threshold for first-time home loans, while the overall impact on new applicants' rates is expected to remain stable around 3% due to anticipated LPR adjustments [1][2]. Summary by Sections Mortgage Rate Changes - Guangzhou's first-time home loan interest rates have been adjusted from LPR - 60 basis points to LPR - 50 basis points, indicating a minor increase in the minimum threshold for new loans [1]. - The market anticipates a potential 10 basis point reduction in the LPR on May 20, which could lower the 5-year LPR from 3.6% to 3.5%, keeping the effective mortgage rate unchanged at approximately 3% [1][2]. Central Bank Policies - The People's Bank of China is implementing a series of monetary policy tools, including a 0.5 percentage point reduction in the reserve requirement ratio and a 0.1 percentage point decrease in policy rates, to enhance counter-cyclical adjustments [1]. - The recent cut in the 7-day reverse repurchase rate from 1.5% to 1.4% is expected to create more room for further LPR declines [1]. Impact on Borrowers - For new mortgage applicants, the effective interest rate is likely to remain stable, as the increase in the base points will offset the expected LPR reduction [2]. - Existing mortgage customers will benefit from the LPR decrease, leading to a reduction in their actual interest rates, while new applicants will see little change in their rates [2].