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The stock of housing loans will be lowered again, see?
The picture comes from the Internet
According to CCTV financial media reports, starting from January 1 next year, most existing housing loans will usher in a slight reduction, with an adjustment of 10 basis points.
Many people may not understand what the reduction of existing mortgages means, and why should it be reduced?
In fact, to put it bluntly, lowering the stock of housing loans is to allow people who now have housing loans to repay a little less interest, which is a preferential policy given by the state to reduce our mortgage pressure.
Maybe many people are like me, and they have no idea about the reduction of mortgage interest rates, how much money can be saved?
The picture comes from the Internet
In view of these, some professional bankers have made calculations, taking Beijing as an example, the loan amount is 1 million, the term is 20 years, and it will be reduced from the current 4.3% to 4.2% next year, so that it can save 53 yuan per month and reduce the total interest by 12,801 yuan.
But it is such a good policy, which is still ridiculed by netizens:
For those who have a mortgage, it's better to have less [snickering]
It's a bit difficult to get down to 3, but it's good to save a little.
When will the house price be affordable for the people. That's fine.
It is possible at a lower level, and it should have little impact on your salary [cover your face] [cover your face]
The difference is not the interest rate, but the down payment [covering my face] [covering my face], and I still can't afford it.
I don't think it's very likely, if you don't buy it, someone will always buy it.
What can the bank do? [Covering face] [Covering face]
Write to the end
I think it's always good to save a little bit, at least it's to reduce the burden on us, don't you think?
Do you still have a mortgage, and how much can you save?
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