Once upon a time, buyers who just needed to buy a house could not understand the development trajectory of real estate, and even lost confidence in the future. Finally, in the second half of the year, especially in the last month, the property market continues to release new signals, allowing buyers to rekindle confidence again, because the era of real good just need has come.
Buyers do not wait for nothing, and they have paid too much for this era, they can bear the pain of being injured by mistakes to combat speculation, so the property market should also return them.
On September 24, the central bank made a rare voice on real estate, proposing to maintain the stable and healthy development of the real estate market and safeguard the legitimate rights and interests of housing consumers. This also really establishes a policy direction for the protection of home buyers in the future.
On October 21, the business management department of the central bank held a meeting for the first three quarters of 2021, which called for continuing to do a good job in financial support and stabilizing enterprises and ensuring employment, making good use of the central bank's monetary policy tools, accurately grasping the requirements of the prudent management policy of real estate finance, steadily carrying out real estate loan business, and maintaining the stable and orderly delivery of real estate credit.
On October 21, the official once again said that it would ensure the credit needs of the just-needed groups. Support first home buyers in terms of loan down payment ratios and interest rates.
It can be seen that the real estate policy is gradually approaching the protection of home buyers, especially the just-needed group, not only the market needs them, but they also need such a market. Only they can further promote the healthy development of the market.
If these are just signals or policy orientations, then the relaxation of mortgage interest rates everywhere is to enter the substantial support for buyers who just need it.
In fact, since the central bank has released positive signals many times since the end of September, in recent times, the release of housing credit across the country has gradually returned to "stable and orderly", and has given guarantees and support to the first set of buyers and some improvement groups. Not only has the scope of mortgage interest rate cuts in cities expanded, but at the same time the lending cycle has also been shortened.
The data shows that in October, 20 of the 90 cities in the city saw a reduction in mortgage interest rates, of which the first set of interest rates in 14 cities fell, and the interest rate of second home loans in 14 cities fell. The interest rate of the mainstream first home loan in 90 cities was 5.73%, and the interest rate of the second set was 5.99%, both of which were lowered by 1 basis point from the previous month.
Although the downward adjustment is not large, this signal has a strong significance, giving buyers a certain burden and greater confidence. The improvement of the credit environment is conducive to the improvement of market expectations, thereby driving the just-needed group into the market.
According to the Financial Times of China, the central bank has recently conveyed in various places the content of accurately grasping the policy requirements of prudent management of real estate finance, steadily carrying out real estate loan business and maintaining the smooth and orderly delivery of real estate credit, and branches of the People's Bank of China in some areas have begun to provide window guidance according to local conditions.
Speaking of which, many people will say, can house prices in many cities still buy a house after falling?
September 70 city house price data show that the new house price index rose negative for the first time, which is the first time in the past 77 months, that is, since May 2015, China's overall house prices have finally ushered in the peak of continuous rise, some people see the hope of stable house prices, but at the same time let some people a little afraid to buy a house, worried about the sharp decline in house prices.
If you have the illusion of a big rise in house prices as soon as possible, of course, for the house price plunge is worried about the lack of, in fact, the state has repeatedly emphasized that the house is used to live is not used to speculate on this positioning, while ensuring "maintaining the stable and healthy development of the real estate market", just 13 words revealed the future expectations and goals of the entire industry, that is to say, the property market has been set.
House prices will not rise and fall sharply, house prices will not rise sharply, speculators will gradually lose their positions, house prices will not fall sharply, but also let buyers have less worries after buying a house, what is the purpose, I hope that everyone will solve the housing problem through market means, it is really not possible to choose the housing method of guaranteed nature.
Therefore, speaking of this, regulation is not to suppress the property market, let alone to prevent buyers from buying houses, but to create a good market environment for buyers and maintain the stable and healthy development of the real estate market, because only the market of the real self-occupied demanders is more healthy and sustainable.
On October 27, the Economic Daily once again issued an article that the real estate policy will focus on preventing problems, ensuring rigid demand, emphasizing security, and adjusting distribution. "Holding housing is an important channel for increasing property income, which will help expand the size of the middle-income group." However, increasing the property income of housing is not to encourage speculation, but to build on the stable and healthy development of the real estate market. ”
In fact, in the past, many people bought a house if it is not speculative investment, it is difficult to convert into real wealth, the future will encourage everyone to buy a house, but not speculation, encourage you to buy a house according to your own ability, so the policy will also have reforms, such as the wealth conversion of holding real estate innovation.