Text/netizens commented on the headlines
Editing/writing online reviews
Preface
Buying a house has added new benefits, and the minimum down payment for the first home has dropped to 15%!
In order to better support residents' demand for home purchases, the central bank decided to reduce the minimum down payment ratio for the first home from the original 20% to 15%.
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This adjustment means that buyers can purchase a property with a lower down payment, significantly lowering the threshold for first-time home buyers. This is undoubtedly good news for buyers who want to buy a home but do not have enough down payment.
Today, let's take a look at the sharing of netizens, some of which are very strange and eye-opening
Netizen: My son sells a house, and he says every day that the house price will rise, but he doesn't buy it!
It's good to have a house, but you need to be careful when buying a house.
Netizen: Do you understand whether people tell me whether housing prices are going to fall?
Someone who came over told me if there was not so much pressure if I didn't buy a house, get married, or have a baby
In the past, the 30% down payment said that everyone's leverage was too high, but now the 15% down payment
It's like paying a down payment and not paying it later
Yes, we don't buy it. In the past, when I wanted to buy it, there were all kinds of purchase restrictions, but now I'm angry, so I won't buy it, and I will buy it when you have 0 down payment.
The loan is 900,000 yuan for 30 years, and the repayment is 1.9 million. The first 13 years were basically repaid interest. Why bother making 1 million for someone else for a suite.
Editor's note: The comments of netizens in the article reflect the diverse voices and opinions of society, but do not represent the position of this article.
Share and reflect
This policy adjustment is undoubtedly a major positive for home buyers, especially for young people who are buying homes for the first time and families with low incomes, and it is to reduce the financial burden of buying a house. The reduction of the down payment ratio and the reduction of the interest rate of the provident fund loan will effectively stimulate the demand of the real estate market and promote the healthy development of the market.
At the same time, it also reminds buyers to buy houses rationally while enjoying policy dividends, and do what they can according to their financial ability to avoid affecting the quality of life due to excessive debt. For the real estate market, the government and relevant departments also need to strengthen supervision to ensure the smooth implementation of policies and prevent the market from overheating.
epilogue
Buying a house is a gospel, and life is more at ease! What do you think about the favorable policies issued by the central bank this time? Do you plan to take advantage of this wave of policy dividends to buy real estate? Feel free to leave a message in the comment area to discuss and share your views and plans. It is hoped that this policy will enable more people to realize their dream of living in peace and bring more convenience and happiness to everyone's life.
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#首套房最低首付款比例降至15% #