Oops, did you hear that?
The central bank has just enlarged its move!
It's a bombshell, but yes, this bullet doesn't seem to hit the bull's-eye and misses haha.
If you think about it, just now, the central bank officially announced: the lower limit of commercial loan interest rates for the first and second houses has been cancelled!
This is not a joke, which means that when buying a house in Guangzhou, banks will start to show their powers, and the interest rate can be decided by themselves, and it is no longer the same 3.85%.
Hey, it's a hot time, and the banks have to look at how much money they have in their pockets and figure out how to give a more attractive interest rate.
And ah, whether you buy the first home or the second home, the interest rate can be opened up to negotiate, there is no difference.
Not only that, the People's Bank of China and the State Administration of Financial Supervision and Administration have also joined the excitement and adjusted the down payment ratio.
Now, when buying a house in Guangzhou, the down payment for the first house is 15%, and it is no longer the previous 30%.
The same goes for a second home, where the down payment drops to 25%.
Oh my god, this policy is so dizzy that it's as exciting as a roller coaster!
But, I have to say, this policy doesn't work for me.
Why?
I couldn't afford to buy a house, never because I didn't have enough down payment, but because I had too much money to pay back every month.
With less down payment, I have more money to pay back each month.
Now that this income is so unstable, who would dare to take such a high loan?
So, to be honest, I think it might be more practical to reduce housing prices and land prices.
Of course, the most important thing is to raise wages, which is the last word!
But then again, this policy is also good news for people who don't have enough down payment for the time being, but have a strong ability to repay.
Just like the Poly Merchants Huafa Central Mansion, they must be happy.
The central bank's big move is really shocking.
Do you say that as soon as this policy comes out, is it a bit like a shock bomb to the real estate market?
But this shock bomb didn't blow up to the point, haha, it missed!
If you think about it, lowering the down payment ratio and removing the lower limit of interest rates is simply loosening the constraints on banks and allowing them to show their strength to grab customers.
The real estate market in Guangzhou seems to be about to set off a bloody storm.
But ah, I have to nag again, this policy is not very useful for people like me who have a lot of pressure on monthly payments.
If the down payment is less, the monthly payment will be more, and anyone will calculate this account.
In these days, if there is no job, who would dare to take such a high loan easily?
I think that if you want to really solve the problem, you have to start from the root, and reducing housing prices and land prices is the last word.
Of course, raising wages is also a good way, but this is easier said than done.
But, then again, it's not useless.
This is a great opportunity for those who have a close down payment but are able to make a strong repayment.
Just like the Poly Merchants Huafa Central Mansion, they must be smiling from ear to ear now.
In a nutshell, it's complicated to say, and there are pros and cons.
Everyone has their opinions!
Okay, okay, that's it.
If you think I have a point, don't forget to like and pay attention!