In a sense, individual buying a house is divided into two stages. 1 The important link is down payment, and the second important link is applying for housing mortgage loan. For many homebuyers, after the down payment, most homebuyers in the first suite have to apply for a mortgage loan. Although the interest rate of housing mortgage loan is not very high, if the annual interest rate is converted into 20~30 years, we can find that the loan interest of mortgage loan can basically be generalized together with the principal. Under such circumstances, it is very happy to take the initiative to reduce mortgage interest, because it means that people have to pay more and more mortgage interest rates, and more and more people will take the initiative to buy a house.
After a series of declines, the annual interest rate of buying the first suite will drop to 4. 1%. Prior to this, the interest rate of housing loans for properties purchased by many families was generally between 5.5% and 6.5%. Often there will be such a rapid decline, the fundamental reason is that this measure can further regulate the local real estate market, but also actively call on everyone to actively buy a house.
This policy can increase the popularity of the real estate market. The reason is actually relatively simple: since lowering the mortgage interest rate will directly affect the cost of buying a house, when the cost of buying a house by friends is further reduced, of course, more and more people will be willing to buy a house. Especially for many young people, young people will actively promote the digestion of the real estate market because they have little deposits in their hands, and the cost of selling houses in the market will gradually decrease. In addition, many places not only reduced the mortgage interest of the first suite, but also introduced various measures to encourage the purchase of houses, and some places even bought houses online to send furniture and parking lots.