[Cai Zhi Toutiao] The cost of just buying a house has fallen to nearly ten years!

While reducing the down payment and liberalization of purchase restrictions, it has implemented differentiated housing credit policies and supports rigid and improving housing needs. The first mortgage interest rate in many places has been reduced to 4.25%.

Yizhuang Economic Development Zone Photography/Jia Qiong

Taking a mortgage loan with a loan amount of 1 million yuan and a 30 -year equivalent repayment as an example: Before the interest rate adjustment, the first personal house LPR was 4.6%, and the monthly supply amount was 5126.44 yuan. After the interest rate adjustment, the interest rate of the first home loan was 4.25%, and the monthly supply amount was 4919.4 yuan. Based on this calculation, the monthly supply amount has been reduced by about 207 yuan, and the total interest rate of loans is reduced by about 74,500 yuan.

As of now, at least including Xinjiang, Qinghai Xining, Anhui Bengbu, Jiujiang, Jiangxi, Jiangxi Yichun, Jiangsu Suzhou, Tianjin, Zhengzhou, Henan, Qingdao, Shandong, Jinan, Shandong, Hohhot, Inner Mongolia, Tangshan, Hebei, Jiangsu Nantong, Huizhou, Guangdong Interest rates fell to 4.25%.

The interest rate of the first house loan is as low as 4.25%

On May 15th, the central bank and the Banking Insurance Supervision issued a differentiated housing credit policy, and proposed that the interest rate of the first home loan was reduced by 20 basis points.

On May 20, the latest loan market quotation interest rate (LPR) was released, and the one -year LPR maintained 3.70%unchanged; the five -year LPR was reduced to 4.45%, which was 4.6%before.

Overlaying the previous policy, the interest rate of the first house loan in many places was as low as 4.25%, setting a low level of interest rates in the past ten years, and the property market is expected to accelerate heating.

According to the analysis, overall, the interest rate of the first home loan is reduced, which can reduce the repayment pressure of the home buyer. To a certain extent, it is conducive to alleviating the wait -and -see emotions and enhancing the willingness to buy a house. Although the policy effect may not be significant in the short term, in the long run, in the long run, in the long run, It is expected that the subsequent market restoration process will accelerate, especially the market in the second half of the year is expected to accelerate.

In addition, experts point out that in various places, first -hand housing and second -hand housing, first houses and second houses, small units and large units, non -purchase areas and non -purchase areas, ordinary families and multiple children, ordinary citizens, and new citizens will form different interest rates policy. Even the same conditions, different banks and even different banks will have different loan interest rates, which are places to pay attention to. Of course, the policy of mortgage interest rates sometimes changes due to changes in other real estate policies. For example, in order to encourage the improvement of the demand for buying housing, some cities will have clearly stipulated that they can repay the mortgage of the first house, so they can not execute the "recognition of houses and recognize loans", and switch to "recognition of loans and not recognizing houses". At this time, if you subscribe for the second suite, you can enjoy the policy of the first house, and you can enjoy the extremely low interest rate of the first house. In other words, low interest rates will also be adjusted due to the adjustment of housing policies from various places. For this difference, buyers need to be identified by the actual situation.

Multi -place housing policy policies are loosened layer by layer

Since early June, a number of new policies for house purchase have been introduced densely. A series of measures such as "Reducing Housing down payment ratio", "Increasing support for provident funds", "lowered housing loan interest rates", "deed taxation first and then paid", "issuing house purchase subsidies", etc., all play a role in promoting the market to a certain extent.

Among the first -tier cities that have attracted much attention, Beijing proposed that insisting on "housing does not fry", guarantee the demand for rigid housing, meets reasonable improvement of housing needs, stable price, housing prices, and stable expectations; Shanghai proposes to improve real estate policies, support support Rigid and improving housing needs.

In terms of credit policy support, Qinghai, Henan, Guizhou, Jilin, etc. have clearly proposed the reduction of the down payment ratio. Among them, Henan clearly proposed that the first payment ratio of ordinary housing commercial loans in unlimited purchases of unlimited purchases can be reduced to 20 %. Guizhou also proposed that the proportion of down payment for the purchase of two houses is appropriately reduced. Jilin also said that for a house and setting up loans and buying ordinary housing again, it is implemented according to the first home loan policy; the first payment ratio of the first provident fund loan is 20 %, and the provident fund loan can be applied for again after the first loan is settled, and the minimum down payment ratio can be 30 % of 30 % Essence Xinjiang proposed that the proportion of second -hand housing provident fund loans dropped to 20 %.

In terms of mortgage interest rates, Hebei, Jilin, and Xinjiang have clearly stated that the lower limit of the interest rate of commercial loan interest rates for the first house was adjusted to not less than lower than the corresponding period of loan market quotation (LPR). Heilongjiang also proposed that the interest rate of the first house's commercial loan was adjusted.

In addition, Guizhou, Anhui, Qinghai, Xinjiang, and Zhejiang have proposed to increase the amount of housing provident fund loans.

In addition, Henan also proposed that various places have issued house purchase coupons, house purchase subsidies, and tax subsidies to support talents to buy houses and households and reasonable housing needs of urban and rural residents. Proper support; Yunnan proposed that it has increased support for new citizens to purchase houses; Xinjiang has also adjusted second -hand housing transaction tax, and taxpayers can declare personal income tax at their own transaction price or 20%of the transaction price difference.

In addition to the support policy of buying a house, there are also support policies for housing companies in many places. For example, Shanghai proposes that the price of land transfer is allowed to be delayed or installing the land; Hebei, Anhui, Sichuan, Xinjiang, and Gansu have proposed the need to support reasonable loans of housing companies; Jilin, Yunnan, Gansu, Xinjiang, Ningxia have proposed measures to optimize pre -sale funds.

Regarding the following policy expectations, experts believe that the property space of the property market will become smaller, because many cities have been loosen sharply, including provident fund policy, mortgage policy, house purchase subsidy, etc., and even some local governments should produce The policy is basically finished. In the future, there will be room for strong second -tier cities to continue to relax, including the proportion of down payment and interest rate of housing loans. In addition, the financing loosening space of developers is still relatively large. Expert: June to October is a good time to buy a house

Many potential buyers are worried that the gradual relaxation policy will affect the trend of house prices. So, whether to consider buying a house and where to buy this year is the topic that everyone is most concerned about.

A few days ago, in a certain show, many experts discussed the problems of multiple house buyers most concerned about the current buyers, including how real estate trends in 2022, when should they "get on the car", young people should buy houses early or buy a house late, etc. Essence The following three viewpoints that trigger netizens:

June to October this year is a good time to buy a house;

Buying a house is more cost -effective than renting a house;

It is not recommended to empty the down payment for 6 wallets.

Regarding the time of buying a house, the expert of the show believed that starting at the end of last year, the property market policy was "blowing warm wind", and from January to April this year, it was conducive to the densely introduced policies. Although sales in the first quarter declined, according to previous policy adjustment cycles, from the bottom of the policy to the real market recovery, it takes a quarter of time. Experts predict that the turn of the property market this year should be in the third quarter. In the previous years, the "gold, three silver and four" may be moved to the middle of the year. At that time, the housing is relatively loose and the policy is relatively favorable. opportunity.

Of course, the expert's point of view is definitely full of controversy. The specific strategy of buying a house also requires comprehensive market performance, carefully investigating, and making the correct choice.

However, it is certain that the rhythm and total of the new market entry into the market in the second half of the year will definitely be significantly greater than the first half of the year. The dual factors of the epidemic and the cooling of the property market will cause the overall new market to be slowed down in the first half of the year. The market performance of the month is not as good as expected. With the control of the epidemic and the restoration of the economy, the performance of the property market in the second half of the year will be better than expected.

For the "just -in -demand" house purchase group for home buying, it is indeed in a window period, especially in the window period of first -tier and second -line hotspots cities may be shorter, and it needs to be grasped.

In addition, for the choice of new houses, industry insiders also said that the demand for buying a house just needed and improved is in the current market. There are more rights to speak, and you can visit the sales office more and compare them carefully. At the same time, it is necessary to refer to the price of the surrounding second -hand housing, and use the stability period of the market to go to a relatively reasonable market discount with developers. Once the price meets psychological expectations, it means that the timing of buying a house appears.

(Comprehensive: WeChat public account "Cai Zhi Headline": Financial Association, Surging News, Securities Times, Shangguan News, etc.)

Edit: Ali

School pair: Fenghua

Review: Gong Zimo

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