Recently, a number of home buyers posted screenshots of their “2” mortgage interest rates on social platforms, which sparked a buzz. The reporter's research revealed that most of these housing loans are five-year stock loans. On August 6, the reporter visited or telephoned a number of banks in Beijing, Guangzhou, Hangzhou and other places to conduct research and found that most banks still have mortgage interest rates of 3% or more. Some foreign banks can provide housing loans with interest rates below 2.8%, but banks have set multiple thresholds for customer qualifications and cooperation channels. Furthermore, some banks said that although they are unable to lower interest rates on loans, they can give buyers certain housing price concessions through cooperative real estate.

Recently, a number of home buyers posted screenshots of their “2” mortgage interest rates on social platforms, which sparked a buzz. The reporter's research revealed that most of these housing loans are five-year stock loans. On August 6, the reporter visited or telephoned a number of banks in Beijing, Guangzhou, Hangzhou and other places to conduct research and found that most banks still have mortgage interest rates of 3% or more. Some foreign banks can provide housing loans with interest rates below 2.8%, but banks have set multiple thresholds for customer qualifications and cooperation channels. Furthermore, some banks said that although they are unable to lower interest rates on loans, they can give buyers certain housing price concessions through cooperative real estate.