I don't know when it became a trend to borrow money to buy a house, and in the first decade some people were able to borrow money to buy a house and feel honored. Even bragged to people, their own qualified banks can recognize, with the rise of China's real estate industry in the past decade, house prices are getting higher and higher, "rising ship high" commercial loan interest rates will also rise, from the initial 4.158%, now some cities have passed 6%, which means that the amount of your house loan, loan for 30 years can exceed the principal of the loan, which is unacceptable, but now buy a house must be accepted.
In fact, in the face of high mortgages, expert Wang Qiang believes that the interest rate of commercial loans is too high, resulting in young people's beautiful thirty years of deep in the house slaves, Wang Qiang said that before I suggested that the commercial loan interest rate is less than 2%, for the first suite can be fully implemented, and in turn two sets of more sets to rise, so that not only to the inventory but also to more people can afford to live, will not let young people beautiful thirty years as a house slave to repay the debt.
In fact, in life, the life of a house slave is not easy, let's talk about a few real situations.
Mr. Zhang, working in Beijing, facing the marriage of the house bought in Shijiazhuang, before the introduction of 2016 to buy, has not yet delivered the house, and in the absence of formal delivery, as long as the developer borrows twenty thousand to temporarily get the key, but this does not represent the formal delivery, because there is no deed tax, which is difficult to accept, but so what? The point is that Mr. Zhang needs to pay the mortgage every month.
But in the face of marriage and children, the cost is inevitable, and in the process of spending less and less funds, now began to make money difficulty, now there are old and low, do not dare to lose their jobs, and in life feel more tired, but every month the mortgage is like a mountain, overwhelmed, the focus is that the house has not been delivered until now, the sale can not be sold, the main business can not live, and now Shijiazhuang and Beijing on both sides of the rental house in addition to the cost of opening, it is difficult to do anything themselves.
Mr. Zhong, just two years after graduating from college, facing marriage, high house prices in addition to mortgages, is really unable to afford to buy a house, but the woman's family even if the bride price does not want, just want a house, but for the rural family out of Mr. Zhong, helpless mortgage interest rate has been rising, although it is said that now can pay the down payment, but the parents said that he can only pay the mortgage himself, 3500 mortgages per month, so that his monthly salary of 6000 yuan can not hold his breath, so the pressure is greater.
In fact, reducing commercial loans may not be a good thing, after all, there are more vacant houses and inventory now, the purpose of this can make more just need to buy a house, and the city that previously relied on real estate to drive economic development can also develop economically again, and there is no need to reduce too much in terms of house prices, as long as the buyer has a guarantee.
Now many people are entangled in not high house prices, but the high mortgage behind the high house prices, the return of the mortgage every month is difficult to accept, so the higher commercial loan interest rate has become the appearance of everyone complaining, and now it is the bank that can save the property market, and the bank tightening the mortgage interest rate in the past two years has led to the lack of funds for many housing enterprises, and many real estate problems have been left to meet the difficulties. So the reduction of mortgages is beneficial to everyone, when the number of loans is larger, the income of natural banks will also increase, everyone is right?