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Announcement No. 11 [2024] of the People's Bank of China—Relevant Matters Regarding Improving the Pricing Mechanism for Commercial Personal Housing Loans
[Effective]
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中国人民银行公告〔2024〕第11号――关于完善商业性个人住房贷款利率定价机制有关事宜的公告
[现行有效]
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【法宝引证码】
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Announcement of the People's Bank of China | | 中国人民银行公告 |
| (No. 11 [2024]) | | （〔2024〕第11号） |
| The Announcement No. 16 [2019] of the People's Bank of China has played an important role in advancing the market-based interest rate reform and promoting the stable and healthy development of the real estate market since its release. In order to implement the decisions and arrangements of the CPC Central Committee and the State Council, respond to new changes in the supply and demand of the real estate market, meet new expectations of the people for high-quality housing, deepen the market-oriented reform of interest rates, better play the role of market mechanisms, and safeguard the legitimate rights and interests of both borrowers and lenders, relevant matters regarding improving the pricing mechanism for commercial personal housing loans are hereby announced as follows: | | 中国人民银行公告〔2019〕第16号自发布以来，对推动利率市场化改革、促进房地产市场平稳健康发展发挥了重要作用。为落实党中央、国务院决策部署，适应房地产市场供求关系的新变化、人民群众对优质住房的新期待，深化利率市场化改革，更好发挥市场机制作用，维护借贷双方合法权益，现就完善商业性个人住房贷款利率定价机制有关事宜公告如下： |
| 1. The borrower, when applying for commercial personal housing loans, can choose fixed or floating interest rate as the pricing methods for the loan contract. If the contract specifies a fixed interest rate, the interest rate shall remain unchanged during the contract period. If the contract specifies a floating interest rate, the interest rate shall be formed by adding spread to the latest Loan Prime Rate (LPR), and the spread, which can be positive or negative, shall reflect factors such as market supply and demand and risk premium of the borrower. | | 一、借款人申请商业性个人住房贷款时，可以选择固定利率或浮动利率作为定价方式。合同约定为固定利率的，利率水平在合同期保持不变。合同约定为浮动利率的，利率以最近一个月贷款市场报价利率为定价基准加点形成（加点可为负值），加点幅度应体现市场供求、借款人风险溢价等因素。 |
| 2. The borrower of a fixed-rate commercial personal housing loan, after negotiating with the banking institution, can obtain a new floating-rate commercial personal housing loan to replace the existing one. The interest rate in the replacement is formed by adding spread to the latest LPR, and spread equals the difference between the interest rate of the original contract and the latest LPR. | | 二、固定利率商业性个人住房贷款借款人可与银行业金融机构协商，由银行业金融机构新发放浮动利率商业性个人住房贷款置换存量贷款。置换时，利率以最近一个月贷款市场报价利率为定价基准加点形成，加点幅度等于原合同利率水平与最近一个月贷款市场报价利率的差值。 |
| ．．．．．． | | ．．．．．． |
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