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china news service, beijing, september 29 (reporter xia bin) on the evening of the 29th, the people's bank of china, together with the state administration of financial supervision, issued four financial support real estate policies, involving the interest rate pricing mechanism for commercial personal housing loans and the minimum down payment for personal housing loans. proportion, affordable housing refinancing and extending the period of some real estate financial policies.

specifically, the commercial personal housing loan interest rate pricing mechanism is mainly optimized in two aspects: first, it allows the change of the point range of the mortgage interest rate based on the lpr (loan market quoted rate); second, it cancels the minimum one-year housing loan interest rate repricing cycle. limit.

the relevant person in charge of the people's bank of china pointed out that because the point increase rate under the current mortgage interest rate pricing mechanism cannot be adjusted independently, the contradiction between the interest rates of new and old mortgages has accumulated and expanded again recently. commercial banks will coordinate through industry self-discipline to carry out another batch adjustment of eligible existing housing loans, lowering the interest rate to around the national new housing loan interest rate.

the person in charge also said that in the future, the market competition mechanism can prompt commercial banks to negotiate independently with borrowers and adjust the point increase range in a timely manner. there is no need to wait until the interest rate difference between new and old mortgages has accumulated to be large before commercial banks make batch adjustments. it can be gradual and orderly. mitigate conflicts and maintain the seriousness of the contract.

the new policy on the minimum down payment ratio of personal housing loans is that for households purchasing a house with a loan, commercial personal housing loans no longer distinguish between first and second homes, and the minimum down payment ratio is unified to no less than 15%.

regarding refinancing of affordable housing, the latest notice mentioned that in order to support local state-owned enterprises to acquire completed and unsold commercial houses for use as affordable housing at reasonable prices, and further strengthen market-oriented incentives for financial institutions and acquisition entities, for the refinancing issued by financial institutions, for loans that meet the requirements, the proportion of re-loans issued by the people's bank of china to financial institutions will be increased from 60% to 100% of the loan principal.

in addition, the applicable period of policies to support the reasonable extension of existing financing such as development loans and trust loans and the policy of good management of operating property loans have been extended to the end of 2026. (over)