Oops, this time the central bank has made a big move!
Do you know? The interest rate on CPF loans was reduced by 0.25 percentage points. What? You don't know what that means? Then I'll do the math for you, for example, if you take out a loan of 1 million to buy a house, the loan term is 30 years, and now you can repay 135 yuan less every month, and after 30 years of accumulation, it is tens of thousands less!
As soon as this news came out, the real estate circle exploded. Reducing the burden on lenders? This is not a joke, the central bank is really powerful this time, and it has really reduced the burden on the friends who buy houses. In this way, everyone has more spare money in their hands, and the demand for buying a house will naturally go up, and the real estate market may usher in a wave of rapid upward trend!
But then again, although the policy is a good policy, when it is actually implemented on everyone's head, it feels different.
No, Xiao Li is an example. Xiao Li and his girlfriend Xiao Fang have been in love for several years, and the two have a stable relationship and have been planning to buy a house and get married. But the rise and fall of housing prices is always confusing. Xiao Li looked at the savings in his hand, and his heart was always up and down, and he didn't know when he would be able to afford to buy a house.
As soon as the news of the reduction in the interest rate of the provident fund loan came out, Xiao Li Ke was happy. He hurriedly took Xiaofang to see the house, thinking that he could always afford it this time. However, when I went to the sales office, the house price was still ridiculously high. Xiao Li was depressed in his heart, this policy is a good policy, but the house price does not drop, and he still can't afford it!
Xiao Li's story is actually a portrayal of many of us. Although the policy is good, the problem of housing prices is still a big problem. We always expect policies to bring us substantial help, but sometimes, policies are just policies, and it will take time and efforts from all sides to really implement them.
But then again, the central bank's policy this time has at least given us hope. Although housing prices are still so high, at least we can pay less on the loan every month, which is also a good thing. I hope that more good policies will be introduced in the future, so that ordinary people can also afford to buy houses and live a happy life!
Hey, when it comes to buying a house, I suddenly think of my old friend Xiao Zhang. He's been having a lot of headaches about buying a house lately. No, the central bank's policy this time is a great joy for him. He immediately took his wife to see the house, and guess what? Housing prices are still so high, they are optimistic about the house, and the down payment has to be a large sum. Xiao Zhang complained to me: "This policy is good, but the down payment is still so high, where can I get so much money?" ”
I was quite helpless when I heard it, so I could only comfort him and say: "The policy will always be improved slowly, let's wait and see." "But then again, this policy at least gives everyone a hope, although the down payment problem has not been solved, but at least the loan can be repaid less every month, which is good news.
That's when the bigger news came! The central bank has made another big move! Cancel the lower limit of the interest rate on commercial loans for the first and second homes! What does this mean? It means that when buying a house in the future, the bank will also start to roll up wildly! The interest rate can be different for each one, as long as the bank feels that it still has money to make, it can do it! What a bombshell!
Not only that, but the central bank has also adjusted the down payment ratio. The down payment ratio of commercial loans for the first home is adjusted to not less than 15%, and the down payment ratio for commercial housing loans for second homes is adjusted to no less than 25%. This is no joke! This means that the minimum down payment for buying a house in Guangzhou can be 15%! No need for 30% anymore! Even if you are a second home, you can make a 25% down payment! This is a great gift to the buyer!
Hearing this news, Xiao Zhang's eyes lit up! He immediately called me and said, "Dude, I see hope this time!" The down payment was lowered, and I finally had a chance to buy a house! "I'm happy for him, and although the house price is still high, at least the down payment problem has been partially solved, which is a good start.
However, I also have to remind him that he still has to do what he can to buy a house. The down payment is lowered, and the monthly payment will have to be increased accordingly. Now that the income is unstable, who would dare to carry such a high debt? Therefore, although this policy is good, it also depends on your actual situation to decide.
Of course, as soon as this policy came out, everyone naturally talked about it. Lao Wang waved his hand in the teahouse and said loudly: "Oh, it's much easier to buy a house now!" Lao Li next to him shook his head: "The down payment is low, but what about the monthly payment?" Now that life is so stressful, and with a mortgage, ouch, it's a headache to think about. ”
"It's not," Lao Zhang took over, "Although this policy is good, it can't solve the fundamental problem." Housing prices are still so high, where can we ordinary people afford it? ”
"If you want me to say, lowering housing prices and land prices is the last word!" Lao Liu slapped the table, and everyone nodded in agreement.
At this moment, a news was broadcast on the TV of the teahouse: "People's Bank of China and the State Administration of Financial Supervision and Administration jointly issued a notice today to further optimize the real estate credit policy......" Everyone stopped the teacup in their hands and listened attentively.
The content and impact of the new policy were explained in detail in the news, and everyone nodded frequently. Lao Wang said with emotion: "The government has really made great efforts to solve our housing problem this time!" ”
"Yes, yes," Lao Li agreed, "although there are still many problems to be solved, at least we see hope." ”
However, the reality still has to be faced. No, although Xiao Zhang saw the hope of buying a house, he still muttered in his heart: "This policy is good, but what about the monthly payment?" My current income situation is not very stable. ”
I listened to him and understood his concern. Indeed, the current economic situation is so complex and changeable, who would dare to easily take on such a high debt? What if I lose my job or my income decreases one day? These are all questions to consider.
So, I persuaded Xiao Zhang: "When it comes to buying a house, you still have to do what you can." Your income is unstable now, so you can buy it slowly. When the economic situation improves and the income stabilizes, it's not too late to think about it. ”
Xiao Zhang listened to my words and nodded thoughtfully: "You're right, I'll wait and see." ”