On September 5, according to the news released by Qingdao, the Qingdao Branch of the People's Bank of China and the Qingdao Supervisory Bureau of the State Administration of Financial Supervision and Administration jointly issued a circular requiring commercial banks to promptly implement the circular on matters related to reducing the interest rate of the first housing loan in stock, speed up the formulation of specific operational rules and do a good job in organizing and implementing them.
The notice clearly States that the lower limit of the first commercial individual housing loan interest rate policy in Qingdao at all stages is consistent with the lower limit of the national policy. Specifically, before October 7, 2019, the lower limit of the first commercial individual housing loan interest rate in the city is 0.7 times the benchmark loan interest rate for the corresponding term. From October 8, 2019 to May 18, 2022, the lower limit of the first commercial personal housing loan interest rate in the city is the corresponding term loan market quotation rate (LPR). Since May 19, 2022, the lower limit of the first commercial personal housing loan interest rate in the city is the market quotation rate (LPR) of the corresponding term loan minus 20 basis points.
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