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China further eases mortgage loan rate guidance to spur demand

15 Tháng Năm 2022
China further eases mortgage loan rate guidance to spur demand © Reuters. A cable is seen near residential buildings under construction in Beijing, China April 20, 2018. REUTERS/Jason Lee

BEIJING (Reuters) -Chinese financial authorities on Sunday allowed a further cut in mortgage loan interest rates for some home buyers, in another push to prop up its property market and revive a flagging engine of the world's second-largest economy.

For purchases of first homes, commercial banks can reduce the lower limit of interest rates on home loans by 20 basis points, based on the corresponding tenor of benchmark Loan Prime Rates (LPRs), the People's Bank of China (PBOC) and China's Banking and Insurance Regulatory Commission said in a statement.

The cut aims to support demand and promote stable and healthy development of the real estate market, the statement said.

In its monthly fixing in April, the PBOC kept its one-year LPR unchanged at 3.70% and the five-year LPR, typically used as a benchmark for mortgage loans, steady at 4.60%.

Banks in many cities cut mortgage rates in the first quarter following calls from authorities to support buyer sentiment in a market rocked by a liquidity crunch and troubled developers last year, and now by nationwide COVID-19 outbreaks.

"Policies including lowering down-payments, lowering mortgage interest rates, loosening restrictions on secondhand housing sales and loosening purchase restrictions will create better conditions for active market transactions in mid-to-late May," said Yan Yuejin, research director of Shanghai-based E-house China and Development Institute.

The latest loan guidance came after central bank data on Friday showed new bank loans plunged to their lowest in more than four years in April, as varying degrees of COVID lockdowns in dozens of cities curbed lending, with mortgage loans contracting.

To free up more funds for lending, the PBOC on April 25 reduced the amount of cash that lenders must set aside as reserves. More modest easing measures are expected as authorities vow to roll out more policies to support the broader economy.

But despite the easier mortgage loan guidance, much depends on the banks.

"During lockdowns, banks tend to be more risk-averse," said Iris Pang, senior Greater China economist at ING, wrote in a note on Friday after the central bank data.

"They have been told to keep past-due loans on their books. Under these circumstances, banks have become unwilling to create new loans, as that would mean taking on more risk by getting new loans and then waiting for them to become past due if lockdowns continue."

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28-05-2022 02:23:34 (UTC+7)

EUR/USD

1.0730

+0.0006 (+0.05%)

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EUR/USD

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 EUR/USD1.0730Sell
 GBP/USD1.2627Neutral
 USD/JPY127.03↑ Sell
 AUD/USD0.7155↑ Sell
 USD/CAD1.2727↑ Sell
 EUR/JPY136.31Sell
 EUR/CHF1.0274Neutral
 Gold1,852.41↑ Buy
 Silver22.130↑ Buy
 Copper4.3232↑ Buy
 Crude Oil WTI114.97↑ Buy
 Brent Oil115.46↑ Buy
 Natural Gas8.711Neutral
 US Coffee C228.65↑ Sell
 Euro Stoxx 503,808.86↑ Buy
 S&P 5004,146.60↑ Buy
 DAX14,462.19↑ Buy
 FTSE 1007,585.46Sell
 Hang Seng20,697.36↑ Buy
 Small Cap 20001,883.80Neutral
 IBEX 358,933.60↑ Buy
 BASF51.110Neutral
 Bayer66.58↑ Buy
 Allianz200.20↑ Buy
 Adidas179.96↑ Buy
 Lufthansa6.881↑ Buy
 Siemens AG121.86Buy
 Deutsche Bank AG10.392↑ Sell
Mua/Bán 1 chỉ SJC
# So hôm qua # Chênh TG
SJC Eximbank6,830/ 6,940
(0/ 0) # 1,716
SJC HCM6,855/ 6,955
(0/ 0) # 1,731
SJC Hanoi6,855/ 6,957
(0/ 0) # 1,733
SJC Danang6,855/ 6,957
(0/ 0) # 1,733
SJC Nhatrang6,855/ 6,957
(0/ 0) # 1,733
SJC Cantho6,855/ 6,957
(0/ 0) # 1,733
Cập nhật 28-05-2022 02:23:36
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