[shell Research Institute: the average interest rate of the first mainstream mortgage in Baicheng in April is 4.01% lower than that of the previous month 1BP]. According to the monitoring of the Shell Research Institute, the average interest rate of the first mainstream mortgage in April 2023 is 4.01%, which is 1bp lower than that of the previous month. The average interest rate of the second mainstream mortgage is 4.91%, which is the same as last month. In April, the first two mainstream mortgage rates fell 116BP and 54BP respectively compared with the same period last year. Under the dynamic adjustment mechanism of the interest rate policy of the first set of housing loans, the first set of interest rates returned, the second set of interest rates remained unchanged, and the spread between the interest rates of the first and second home loans widened to 90BP in April. In addition, the average lending cycle of Baicheng Bank in April was 21 days, the same as the previous month and the fastest lending rate since 2019. (Gao Ping, reporter of the Financial Associated Press)