[LPR remained unchanged for 12 consecutive months] the people's Bank of China authorized the National Interbank lending Center to announce that the quoted interest rate (LPR) of the loan market on April 20, 2021 is: 3.85% LPR for 1 year and 4.65% LPR for more than 5 years. The reporter noticed that LPR has not changed for 12 months since April 20, 2020.
[100-city price-to-income ratio data: Shenzhen is at the top of the list of house-buying pressure] Zhuge Housing search data Research Center released the 100-city price-to-income ratio data. According to its monitoring of the price-to-income ratio of 100 cities, the high price-to-income ratio of TOP10 cities in 2020 is mainly distributed in the Yangtze River Delta, Pearl River Delta and Taiwan Strait economic circle, and the price-to-income ratio of TOP5 cities is more than 30, which means that in these cities, the average family can afford a house without food or drink for more than 30 years. Among them, Shenzhen ranks first in the price-to-income ratio, with a price-to-income ratio of 48.1 in 2020, making Shenzhen the most difficult city in the country to buy a house. This has something to do with the high housing prices in Shenzhen. Since the reform and opening up, Shenzhen has developed by leaps and bounds, and GDP has grown rapidly, which has attracted a large number of talents from other places, but at the same time, due to the long-term tight supply of residential land and strong demand for housing in Shenzhen, the price level is steadily at a high level.
[Shenyang promotes the reconstruction of commercial housing into rental housing qualified personnel can settle down] it is learned at a working meeting held by the Shenyang Real Estate Bureau that from 2020 to 2022, Shenyang will raise 127000 rental housing units to further develop the housing rental market. The commercial houses, office rooms, hotels and other non-residential or whole-unit houses with a scale of not less than 1000 square meters, such as the whole building, the whole unit and the whole floor, shall be converted into rental housing, which shall be subsidized according to the standard of 25% of the reconstruction cost, the maximum shall not exceed RMB750 per square meter of construction area. With this supporting policy is that non-Shenyang students fresh (including two-year employment period) full-time bachelor's degree or above, can enjoy the rental housing settlement policy.
[housing loans rose in April: Guangzhou led the rise in first-tier cities, with more than 130 BP in three cities.] sure enough, housing loan prices rose in April. According to the monitoring data of mortgage interest rates in 42 key cities in China by Rong360 big data Research Institute, in April 2021 (the data collection period is from March 20 to April 18, 2021), the average interest rate for first home loans was 5.31%, an increase of 4BP compared with the previous month. The average interest rate on second-home loans was 5.59%, an increase of 2BP from the previous month. It is reported that among the 42 cities monitored (the data monitoring period is from March 20, 2021 to April 18, 2021), the average level of mortgage interest rates in 22 cities rose month-on-month, and 10 cities increased by more than 10BP. In first-tier cities, mortgage interest rates in the three places from the north to Shenzhen continued to remain stable, and mortgage interest rates in Guangzhou continued to rise, with the first home loan interest rate rising 11bp from the previous month and the second home interest rate rising 10BP from the previous month. With the exception of foreign banks, all banks implement a mortgage interest rate of 5.3% for the first home loan and 5.4% for the second home loan, and 5.5% for the second home loan.
[Huaxia Happiness debt plan is expected to be launched in July this year] it has been learned from people close to Huaxia Happiness that the work of the creditor committee of financial institutions of Huaxia Happiness Foundation Co., Ltd. (hereinafter referred to as "Huaxia Happiness", 600340.SH) is advancing in an orderly manner, and the debt resolution plan is expected to be introduced around July this year. At the beginning of this year, Hebei Province and Langfang City specially set up a coordination steering group, together with relevant state ministries and commissions, including the people's Bank of China and the China Banking and Insurance Regulatory Commission, to lead the establishment of a meeting of creditors of Huaxia Happiness Financial institutions. After the debt crisis, it is rumored that Huaxia Happiness has carried out discussions and negotiations with Ping an, the second shareholder, a number of potential strategic investors, including China Resources, and the Hebei government. It is reported that at present, Huaxia Happiness has formed a preliminary comprehensive debt risk resolution plan, but the specific matters are still in the confidential stage.
