Buying a house is the most important investment in most people's lives, young people can't afford to buy a house, and if they can't pay the mortgage, they can't talk about marriage, which is a major source of social problems now! Recently, the central bank has introduced a series of real estate policy adjustments, among which the reduction of the interest rate on provident fund loans is undoubtedly the most concerned link.
How much of a practical benefit will this adjustment bring to homebuyers?
On May 17, the central bank issued a notice to reduce the interest rate of personal housing provident fund loans by 0.25 percentage points from May 18.
2. Cancel the lower limit of the interest rate policy for commercial personal housing loans for the first and second houses at the national level;
3. The interest rate of the first set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be adjusted to 2.35% and 2.85% respectively;
4. The minimum down payment ratio for the first house is adjusted to not less than 15%, and the second set is not less than 25%.
5. Do a good job in the risk disposal of unfinished commercial housing to protect the legitimate rights and interests of buyers.
If the interest rate of the first set of personal housing provident fund loans for more than 5 years is adjusted to 2.85%.
Based on a provident fund loan of 1 million yuan and a 30-year repayment of equal principal and interest, after the interest rate is lowered, the monthly payment will be reduced by 135 yuan, and the monthly payment can be saved by 48,000 yuan in 30 years.
This is undoubtedly good news. Taking the first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen as an example, the housing price is about 7 million yuan, if the loan is 5 million yuan and the 30-year loan is borrowed, the monthly payment can be reduced by 675 yuan per month after the interest rate is lowered, which is very considerable.
On the whole, the introduction of multiple favorable policies is to further increase people's desire to buy houses, and since 2023, property market sales have shown signs of recovery.
Netizens have said: This is another set for the young man, now it is a problem of income, not a problem of housing prices, the enterprise is good, the treatment of employees is naturally good, even if the loan down payment is a little more is not a problem, the economic environment is poor, whether the enterprise can pay wages next month is a problem, the reason why I dare not take out a loan is here, and finding a way to stimulate the economic growth of private enterprises is the key.
Netizens said that they are worried that it is not the problem of the down payment, the key is to worry about the problem of interest in the back, the down payment is less, but the interest on the back is more, if there is no guarantee of salary payment every month, the income is low, and the life pressure is high, how can there be extra money to repay the mortgage?
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Finally, I would like to ask everyone, do you think this policy has brought us two benefits?
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