Live up to expectations, the real estate market is really coming!
The central bank issued 3 new policies in a row
1. The minimum down payment for the first house is reduced to 15%, and the second house is 25%.
The good news is that the minimum down payment for the first home is reduced to 15%, and the second house is reduced to 25%, which really gives too much convenience and reduces the pressure for those who need to buy a house.
If the down payment of a house of 1 million is 50,000 less from the original 200,000, but the down payment ratio of a house with a total price of 10 million is much different, the original 2 million in Hubei Province can now be directly reduced to 1.5 million and directly 500,000 less.
Especially for those groups who have improvement needs, the down payment ratio of 2 houses turned out to be 45% or even higher, and 10 million for 1 house originally required a down payment of 4.5 million, according to the latest requirements, as long as 2.5 million, a full 2 million less.
Comments: This is just needed or improved, whether it is a house with a low total price or a high total price, the current new policy can greatly reduce the pressure on home buyers.
Some people will say that I lack that little down payment, but what I lack is the pressure to repay the loan every month.
Do you still want to wait for the state to give you a house for free? Any happy life needs to rely on oneself to strive for, why some students in the same class have good grades and can read, and some can't read, we must always remember that the market is the law of 28, it is impossible for everyone to be a top student, there must be a school bully and a scumbag in a class, it depends on who pays more.
2. There is no lower limit on the interest rate of commercial loans, there is no lower limit, and you can do it yourself!
The down payment is lowered, there is no pressure to pay the down payment, then the next thing is to pay off the mortgage, as the patriarch, what he can do is to help you save money from every link.
The interest rate of commercial loans is not the lower limit, some people say that they don't understand what this means, let me explain it to you.
For example, at present, the bank's normal mortgage loan interest rate is 3.95%, but it can be discounted by 20%, which is the lowest lower limit, and then from May 18, there is no lower limit, and the banks will let go according to their own conditions, and those who want to make small profits and quick sales will be lower, which can be 3% or 2.8%, and the bank is in charge.
3. The interest rate of the provident fund loan has also been reduced! The first set is 2.85%, and the second set is 3.325%.
The People's Bank of China decided to reduce the interest rate of personal housing provident fund loans by 0.25 percentage points from May 18, 2024.
At present, the interest rate of our urban provident fund loan is 3.1% for the first set, and since May 18th, the loan rate for the first house provident fund is only 2.85%.
Great opportunity, as long as you make enough down payment to buy a house, after all, you can work the loan every month, as long as you don't exceed your limit, everything has to be a stepping stone, it is a fact that it is difficult to make money, as long as your mind does not slip, there are always more ways than difficulties, right?
If you don't want to get in the car yet, ask your girlfriend first, and if she is willing to rent a house with you, don't buy it.
Comprehensively stimulate the property market, you can get on the car when you should buy, don't buy now, when to wait, if you really don't want to buy a house, it's useless, everyone has the right to choose.
#取消首套房和二套房商贷利率下限##100万房贷30年可节省月供4 8,000 yuan##首套房商贷最低首付款比例降至15%##公积金贷款下调利率0.25 percentage points##首套和二套房首付比例为历史最低# #