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Some time ago, various cities have opened the cancellation of purchase restrictions, and in the past two days, there has been good news about house-related loans and interest rates, in this case, it is mainly to cater to the current real estate market, so will you choose to buy a house at this time?
The first is that for families who take out loans to purchase commercial housing, the minimum down payment ratio of commercial personal housing loans for the first house is adjusted to not less than 15%, and the minimum down payment ratio for commercial personal housing loans for the second set of housing is adjusted to not less than 25%.
The second is from today, that is, on May 18, the interest rate of personal housing provident fund loans will be lowered by 0.25 percentage points, and 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 will be adjusted to 2.35% and 2.85% respectively, and the interest rates of the second set of personal housing provident fund loans for less than 5 years (including 5 years) and more than 5 years will be adjusted to not less than 2.775% and 3.325% respectively.
The third is to abolish the lower limit of interest rates on commercial personal housing loans for first and second homes at the national level.
It can be said that the strength is huge! As before, some people are happy and some are worried, happy that they can buy, or they can be adjusted within 5 years, and some people are worried because of their personal economic conditions, and whether to buy a house or not to buy is not at all in this regard!
In this regard, some netizens said that the 1 million house was reduced by three big tricks to reduce 18,000 yuan?
Some netizens also said that if they fall into place and then raise their wages, they will naturally buy it! Isn't this problem coming out, the money earned by high prices and living standards has nothing to do with the provident fund......
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As soon as this incident came out, many netizens left messages to express their views and feelings!
How many of us don't have a provident fund...... Many private companies don't give it at all!
People born in the 90s like me have only heard of the provident fund, do I have a provident fund?
Normally, we all talk about supply and demand, but now it is obviously oversupply!
@是静ㄦ吖: It's not so much that the fundamental reason why no one buys a house is that everyone has no money in their hands, but that everyone has the money to buy a house when they get rich.
Who cares about the thirty or forty thousand? What I care about is that the savings of a generation are not enough to buy a suite!
I am a small city in the 18th tier, with a house price of more than 3,000 points and a salary of 5,000 in 18 years, and now the house price is 8,000 and a salary of 5,000!
It's a good thing for people who really need a house, and the threshold for buying a house is lowered. You can not make a down payment of 15%, you continue to make a down payment of 30%, you have the strength, your down payment of 50% is better. It's just one more option, and that's a good thing.
It's better to buy a house with a monthly payment of more than 10,000 yuan, rent more than 3,000 in general, save the remaining 7,000, 84,000 a year, and save more than 2.5 million in 30 years...
To be honest, I'm not afraid of not having a house, I'm afraid that the house is gone, and the loan will have to be repaid, and I'm afraid that I will work hard to repay the loan in the end, and hey there will only be one house left.
Who doesn't know that the down payment can be overpaid, and now it's a matter of the down payment? It's a matter of steady income every month.
Is there still that big buying group for houses? The post-70s and post-80s, and even the post-90s are the main force that has long been harvested, and the house has already been bought, and the parents of the post-00s have basically bought the house after the 70s, unless it is replaced or improved, the post-80s and post-90s also have replacement and improvement groups, and they are not just needed, so the people who really just need it are far less than before.
To put it bluntly, the sale price of the house does not match the actual value generated. In the eyes of many people, if the price is not inflated. When the time cost of buying a house is not high for most people, the sales volume will naturally go up. According to the normal income level, the ordinary income source of 5-10 years, everyone is willing to buy a house. After 30 years of inactivity, unstable income, and poor economy, what to do when you buy a house. If it takes 5-10 years, the ordinary income can be completed.
To tell the truth, everyone is not short of that down payment, but what is bad is the stability and continuous increase of income.
What do you think about this in the end? Welcome to leave a message in the comment area to discuss!