【Explanation】From September 9, banks began to reduce the interest rate of commercial personal housing loans for the first set of housing in stock, and uniformly adjusted the existing housing loans that meet the adjustment conditions.
【Commentary】The reporter of China News Agency interviewed the real estate agency and learned that combined with the previous policies such as "recognizing housing but not recognizing loans", the real estate market has reacted obviously, and the number of store consulting customers has increased recently.
【During the same period】Han Gang, a real estate brokerage company in Beijing
After the implementation of the new policy, the threshold for buying a house was reduced, and then the number of customers who came to the door increased significantly, and the transaction volume also rose slowly.
【During the same period】Zhang Jun, general manager of a real estate brokerage company in Beijing
Judging from the recent number of our online customers and consultations, it has increased by about 30% compared with the original situation of housing and loans. The number of customers consulted in the store has increased by about 15%, so the reduction of mortgage interest rates is a great promotion for ordinary people to buy houses.
【Commentary】The beneficiaries of this interest rate reduction policy include mortgages that meet the interest rate standard of the first home loan, and mortgages that are not the first home at the time of the loan but currently meet the first set of policies in the city, covering a wide range of people, and buyers and sellers of houses have experienced the benefits.
【During the same period】Han Gang, a real estate brokerage company in Beijing
I have an old customer who has to repay more than 1,8000 yuan a month, and now after the implementation of the new policy, he will invisibly pay 2000,<> yuan less every month.
It also has an impact on my work, which means that customers have more purchasing power and more income for me.
【During the same period】Real estate agency store customer Mr. Zhang
I am a store owner, usually open a convenience store in the community, the interest rate has been reduced, and the desire to buy a house should be realized. I thought about (buying a house) some time ago, the interest rate was too high, the loan was laborious, and then it was not paid.
【During the same period】Real estate agency store customer Mr. Ma
The comprehensive cost of buying a house is still a lot of money for our personal income, and then recently I found out that the interest rate of the existing mortgage seems to have decreased, and then this feels like a very good thing for us, because we will drop a lot for the first (suite).
【During the same period】Real estate agency store customer Ms. Yi
Now after the adjustment of the new policy, we are now equivalent to buying and changing houses as the first home, and then our life pressure will be less.
【During the same period】Real estate agency store customer Mr. Lu
When the interest rate was not lowered in the past, maybe our (house) circulation could not move, which means that after the interest rate is lowered now, people like us who want to change to better can flow.
【Commentary】On September 9, four large state-owned banks in China issued an announcement that the first home loan with a floating interest rate priced with reference to the quotation rate of the loan market will actively adjust the interest rate in batches, without the need for borrower operation; For other situations such as "second set to first set", the borrower can apply to the bank and provide supporting materials from September 7, and the bank will make batch adjustments to the approved business; Most of the existing first home loan interest rates that meet the requirements will be reduced to the quoted rate, and after May 9, it will be reduced to the quotation rate minus 25 basis points, directly to the lower limit of the policy.
Experts believe that this interest rate adjustment may have a mitigating effect on the recent wave of prepayment.
【During the same period】Chen Wenjing, director of market research at the Middle Index Research Institute
The high interest rate of existing housing loans, coupled with the decline in wealth management income last year, has led to the phenomenon of early repayment by many residents. At the same time, promoting consumption is also the main focus of this year's macro policy, and we say that the interest rate of existing housing loans is too high actually restricts everyone's consumption capacity and willingness to consume to a certain extent. These we believe are actually some important reasons for the reduction of existing mortgage interest rates.
The decline in the interest rate of existing housing loans actually helps to reduce the burden of residents, increase everyone's willingness to consume, and also help promote some improvement home buyers to enter the market. For commercial banks, reducing the interest rate of existing housing loans can also alleviate the situation of residents' prepayment to a certain extent.
【Explanation】From "recognizing a house without recognizing a loan", the down payment ratio has been reduced, to the current reduction of the interest rate of the first home loan in stock, the housing credit policy has been frequently adjusted recently. Chen Wenjing pointed out that the "combination fist" of this set of policy adjustments has significantly driven the emotions of buyers, and the number of second-hand housing listings has also increased.
【During the same period】Chen Wenjing, director of market research at the Middle Index Research Institute
According to the data monitored by our middle index, the weekly online signature data of new homes in cities such as Beijing, Shanghai, Guangzhou and Suzhou has increased for two consecutive weeks, like last week (9.18-9.24), and the number of new home sales in Beijing and Shanghai doubled month-on-month.
In addition, after the landing of the policy of "recognizing houses without recognizing loans" in many places, it is beneficial to the "sell one buy one" group of buyers, so it has also led to a significant increase in the number of second-hand houses listed in many places in the short term, according to monitoring, such as Beijing, Shanghai since September The number of second-hand housing listings has actually increased by more than 9,<> sets. Then under the high number of listings, the momentum of the price increase of second-hand housing itself is relatively weak. Then for the price of new houses, the current housing companies are actually mainly to accelerate the decentralization, and the prices of new houses are stable on the whole, but the downward pressure on house prices in third- and fourth-tier cities is still there.
Reporting by Wen Mengxin and Xie Longfei from Beijing
Responsible Editor: [Liu Pai]