Several banks have already formulated plans to reduce the interest rat

Telah Terbit: Aug 30, 2023 13:15

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Several banks have already formulated plans to reduce the interest rates of existing housing loans, and there may be substantial progress in the coming week. At the mid-term performance meetings of listed banks in recent days, the adjustment of interest rates of existing personal housing loans has become a topic of concern among all parties. As of August 29th, many banks, including Agricultural Bank, Construction Bank, CITIC Bank, and Merchants Bank, have responded to this. In addition, from the personnel of several state-owned banks, it was learned that this week, there will be substantial action taken collectively by state-owned banks regarding the adjustment of interest rates of existing housing loans. From the current situation, the adjustment of interest rates of existing housing loans is inevitable, and the industry has also looked forward to the impact of the adjustment of interest rates of existing loans on the net interest margin of the banking industry. According to estimates of some mainstream brokerage research institutions, the impact of a 10 BP (basis point) reduction in mortgage interest rates on the industry's net interest margin is approximately 0.9 to 1 BP. However, some commercial banks have stated that the overall impact is controllable.

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