同日，降低存量房贷利率时间明确，市场利率定价自律机制发布倡议，各商业银行应于2024年10月31日前统一对存量房贷（包括首套、二套及以上）利率实施批量调整，降为不低于LPR减30个基点。随后，工行、建行、农行和中行四大国有银行发布公告，将于10月12日起发布具体操作细则，2024年10月31日前完成批量调整。Mainland real estate stocks opened high, China Vanke (02202) rose 14.99% to HKD 7.67; Longfor Group (00960) rose 14.87% to HKD 15.76; Sino-Ocean Group (03377) rose 14.81% to HKD 0.31.
According to the Securities Times app, mainland real estate stocks opened high, China Vanke (02202) rose 14.99% to HKD 7.67; Longfor Group (00960) rose 14.87% to HKD 15.76; Sino-Ocean Group (03377) rose 14.81% to HKD 0.31; Sunac (01918) rose 14.79% to HKD 1.94; Cifi Hold Group (00884) rose 14.67% to HKD 0.43.
On the news front, last night, Shanghai, Shenzhen, and Guangzhou, the three major first-tier cities collectively introduced new real estate policies. Among them, Shanghai introduced the "Shanghai Seven Articles", reducing the down payment ratio, reducing existing home loans, and allowing non-local residents with one year of social security to buy houses; Guangzhou lifted all restrictions on residents' families purchasing homes in the city; Shenzhen adjusted the minimum down payment ratio for first-time commercial individual housing loans to 15%, and for the second commercial individual housing loans to 20%.
On the same day, the specific time to lower existing home loan interest rates was clearly stated, proposing a market interest rate pricing self-discipline mechanism. All commercial banks are required to uniformly adjust existing home loan rates (including first homes, second homes, and above) to a level no less than 30 basis points lower than the LPR by October 31, 2024. Subsequently, the four major state-owned banks, ICBC, ABC, CCB, and BOC, issued announcements to release specific operational details starting from October 12, 2024, and to complete batch adjustments by October 31, 2024.
