Text: Shallow bullet Yixiao
Edit|Shallow bullet Yishino
Preface
With the changes in the economic situation and the adjustment of the real estate market, the central bank has introduced new policies this time.
The purpose is to reduce the pressure on residents to buy houses by reducing the loan interest rate and adjusting the down payment ratio.
Stimulate housing consumption and support the stable development of the real estate market.
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Video source: @中国新闻社
The central bank announced on May 18 that it would cut the interest rate on personal housing provident fund loans by 0.25 percentage points.
and adjust the minimum down payment ratio for commercial personal housing loans for first and second homes.
Image source network
After the adjustment, the interest rates of the first set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years are 2.35% and 2.75% respectively;
The interest rates on the second set of personal housing provident fund loans were adjusted to 2.775% and 3.325% respectively.
Image source network
For households that take out loans to purchase commercial housing, the minimum down payment ratio for commercial personal housing loans for the first house is adjusted to not less than 15%;
The minimum down payment ratio for commercial personal housing loans for second housing is adjusted to not less than 25%.
Image source network
The new policy will be officially implemented from May 18. Homebuyers will enjoy the new interest rate and down payment ratio standards when applying for a personal home loan.
As soon as the topic was posted on the Internet, the comment area instantly exploded! Let's take a look
Netizen: What should I do if I have already borrowed from the provident fund? Is the interest rate still adjusted?
Please ask the great god when this will be implemented to the individual to modify the interest rate
Netizen: If you don't understand, just ask, what does it mean to cut interest rates.
It means that the house can't be sold
Netizen: Make a bold prediction, whether there will be no interest when you buy a house in the future, as long as you buy it.
The problem is, there are too many, too few people, and in the end it may give you away for nothing! I think it's possible, as long as you live, pay the heating property.
Netizen: Don't worry. The provident fund contribution base has also been lowered, and I heard that a car company has implemented it
Dongfeng Motor has been downgraded
Netizen: In the future, you may have a mortgage to pay you a provident fund, and if you don't have a mortgage, you may stop issuing provident fund!
There is no interest on the full amount, and the lower the down payment, the more you will have to pay back
Home buyers and real estate practitioners welcomed the policy, believing that these measures will significantly reduce the pressure of home buying and stimulate market demand.
Some netizens are also worried about whether the reduction in loan interest rates will affect deposit interest rates. If the deposit interest rate also falls, it may affect the deposit income, and then affect the willingness of residents to spend. In this regard, economists said that the adjustment of loan interest rates and deposit interest rates needs to be decided according to the overall economic situation and market demand, and it is not yet certain whether deposit interest rates will be lowered simultaneously.
Personal opinion
The central bank's reduction of the interest rate on personal housing provident fund loans and the adjustment of the down payment ratio is a powerful policy measure aimed at reducing the loan pressure of home buyers and promoting the healthy development of the real estate market. Under the current economic situation, this policy is undoubtedly good news for home buyers, helping to increase the demand for home purchases and stabilize the real estate market. However, in the process of policy implementation, it is necessary to pay attention to its potential impact on housing prices to ensure that the policy effect can truly benefit the majority of home buyers. At the same time, it remains to be seen whether the deposit interest rate will be lowered, and the government should balance the relationship between the loan interest rate and the deposit interest rate to ensure that the interests of residents are not affected.
end
In general, the central bank's policy of lowering the interest rate of personal housing provident fund loans and adjusting the proportion of down payments shows the government's positive attitude in supporting the stable development of the real estate market. With the implementation of the policy, it is expected to have a positive impact on home buyers, further stimulating housing consumption. It is hoped that this policy can achieve the desired effect, bring tangible benefits to more home buyers, and promote the healthy and sustainable development of the real estate market.
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