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After the central bank lowered the loan interest, on July 23, many banks in first-tier cities and regions have begun to cut mortgage interest rates. According to the information released so far, the interest rate on the first home loan has dropped to 3.4% in most cities, and the interest rate on the second home loan has also dropped to 3.6%. Some banks in Guangzhou have also begun to reduce mortgage interest rates, with the interest rate on the first home loan falling to 3.1% and the second home loan interest rate at 3.7%; Some banks in Shanghai have also begun to lower mortgage rates, with the interest rate on first home loans falling to 3.4% and the interest rate on second home loans as low as 3.6%. The interest rate gap between the existing mortgage and the current mortgage is further widening! Spreads above 1.2% are now widespread.
According to the data released by the state on June 12, 2024, the inflation rate (annual) in the mainland in May 2024 is 0.3%; Data released on July 10, 2024 showed that the inflation rate (annual) in June was 0.2%. Although the inflation rate fluctuates due to a variety of factors, the inflation rate on the mainland has remained at a relatively low level. According to data released by the National Bureau of Statistics on January 12, 2024, the national consumer price index (CPI) rose by 0.2% over the previous year in 2023.
In the past, people invested in houses, and many people did so to beat inflation. From 2010 to 2020, China's average inflation rate was around 2.229%. The inflation rate for a single year is as follows: 2011: 5.55%; 2012: 2.62%; 2013: 2.62%; 2014: 1.92%; 2015: 1.44%; 2016: 2.00%; 2017: 1.59%; 2018: 2.07%; 2019: 2.10%; 2020: 2.5%. Over the past three years, our average inflation rate has been 1.1%.
Now that house prices and loan interest have indeed dropped significantly, it is indeed a good time to buy a house as a rigid need. The rapid reduction of the loan rate for new home purchases in major cities is also to allow those who need it to buy their own houses at a more favorable and lower cost. Once the United States begins to cut interest rates, the mainland will inevitably release water, and inflation will quickly be pulled into a reasonable position. If you miss the opportunity, you may have to pay more to do the same thing. Although buying a house is not necessarily the most cost-effective at this point in time, once the trend reverses, you may miss the best time to get ahead.