Written by: Qinglong Beauty editor: Tian Qing Proofreading: Wisteria
—1—
Before buying a house, Xiao Tiantian. After buying a house, Mrs. Niu!
Some people say that art comes from life.
didn't understand this sentence deeply before. Now, when you look back at the movie "Star Chow ", you can always understand it more intuitively. Behind the comedy is actually a tragedy.
For example, the movie "American Journey" that has been buried for many years has become one of the most controversial works in Stephen Chow's movies because the plot and thoughts are too advanced.
Among them, many lines have become popular jokes.
The most classic thing about is the scene of taking a concubine in .
At that time, the Bull Demon King carried Iron Fan Princess and announced his marriage to Supreme Treasure , and at the same time announced that he would also take a concubine. The bride was Zixia he rescued from the desert.
But Princess Iron Fan suddenly arrived, and the Bull Demon King was shocked and thought the matter was about to be exposed. Who knew that Princess Iron Fan was not here to find the Bull Demon King, but to reunite her relationship with the Dead Monkey.
and performed the most classic scene in : "When I was watching the moon with me, I called me a little sweet! Now the new one is better than the old one, I call me Mrs. Niu!"
Now, a scene in this movie is staged in real life and has become a classic metaphor for burning bridges across the river.
is just this time. The injured person has nothing to do with love, but it comes from the mortgage.
—2—
mortgage interest rate suddenly dropped to 4.25%
On May 15, Central Bank dropped a bombshell on the weekend.
The original text is as follows:
Translate it:
1. Don’t guess, I’ll draw a range for you to get a mortgage interest rate, which will float 20 basis points from the LPR interest rate of 4.45%, starting from 4.25%.
2. The first house is in urgent need and the newly changed house is Xiao Tiantian, and the interest rate has dropped a lot. Come and buy a house.
3. Mrs. Niu bought a house with high interest rates before. This time, you don’t have anything to do with the cake. Don’t drool.
4. Each city formulates interest rate policies based on its own situation, but the minimum is not less than 4.25%.
5 days later, the central bank started a new round of stimulus, and the 5-year LPR interest rate was lowered to 4.45%! As soon as the news came out, the real estate sector was in a collective uproar, and many real estate companies immediately started a strong rebound trend at the opening, and many stocks hit the daily limit.
We all know that the capital market is the most sensitive to policies. The last wave of daily limit was clearly stated at the State Council meeting to support urgent needs and improve the living needs of the group. Since then, the clarion call for the introduction of favorable policies for the real estate sector has been sounded.
It can be said that in the past few months, there have been no negative policies for real estate, and they are all positive.
However, as the mortgage interest rate has been lukewarm and has not made much move. The reason for the sudden sharp adjustment of mortgage interest rates this time is nothing more than two points.
1. Data shows that residents' credit in April: not optimistic. Too sensitive, no interpretation, no way to interpret, just read it yourself.
2. On May 16, the national real estate development investment and sales released by the Bureau of Statistics showed that it was not optimistic. Similarly, because it is too sensitive to interpret, read it yourself.
However, we all know very well that this is the answer given by the real estate industry under the premise of continuously introducing favorable stimulus policies.
obviously does not conform to the three stability policies of stabilizing housing prices, real estate and expectations. Real estate has not yet recovered.
Therefore, it is inevitable to drive the first home to enter the market to buy a house and stabilize the fundamentals of real estate.
It can be foreseen that if the market still responds flat after the policy is continued to be loose, more important policies will be issued continuously.
This is basically a foregone conclusion. In the future, the 20% down payment may be a matter of time.
But what I care more about is, what should people who have bought a house in the past do?
—3—
Those who bought houses in the past few years have been trapped!
Why do I say that those who have bought a house before have become unpopular Mrs. Niu, and the need for the first house quota and the improvement group has become the little sweetheart?
Because, the spread of is really amazing.
First of all, we must understand that the rapid and large reduction in interest rates this time is still among the top even in the long history of the mortgage loan. Not to mention that
is far away, in 2008, due to the global financial crisis of , the country introduced a series of policies to stimulate the economy. In addition to the 4 trillion yuan release, mortgage interest rates also reached the lowest point in history.
Although the interest rate of 5-year mortgages at that time was still high, the bank policy at that time allowed a maximum drop of 30%, that is, 30% off the benchmark interest rate of can be 30%.
It is precisely under the stimulation of such favorable measures that houses began to bottom out and rebound, and the real estate market gradually emerged from a large positive line of . At the same time, mortgage interest rates gradually rose with the market conditions and gradually rebounded to around 4.8% after two years.
Secondly, banks began to tighten real estate monetary policy in 2011. Real estate has entered a downward channel nationwide, and many places have begun to offer discounts and promotions. This real estate winter has lasted for several years.
4 years later, policies such as reducing down payments and deed tax subsidies have been introduced to support the bottom-up housing market, and mortgage interest rates have begun to enter a downward channel.
At the same time, with a series of measures such as price increase and destocking, monetization resettlement, and other methods have been launched, and real estate has entered a state of mad bull.
This round of mortgage interest rate adjustment caught many people off guard.
Take Zhengzhou as an example. The mainstream interest rate executed in some time last year was 6.125% to 6.37%.
html Interest rate began to loosen from the second-hand housing market within 4 years, down to 5.88%. After that, the new housing market followed up, and 5.88% became a relatively stable interest rate. A large number of people got in the car and bought houses at this time.
However, starting from 2022, mortgage interest rates have begun to plummet, from 5.88% to 4.25% today.
That is to say, from 2017 to 2022, the vast majority of home buyers were trapped at a high of 5.88% to 6.37%!
If you borrow 1 million yuan according to the same loan, equal principal and interest 30 years:
6.37% interest rate monthly payment is: 6235 yuan
4.25% interest rate monthly payment is: 4919 yuan
What does it mean? If you bought a house last year, you will borrow 1 million yuan at an interest rate of 6.37%, and you will pay about 1316 yuan more per month!
In a year, you will have to spend about 15,792 yuan more. This is not a small amount of money for any family. It is enough to support a normal household water, electricity, heating, property fees and some other expenses.
And, there is another thing, it is also the most pathetic.
Between 2017 and 2021, it is the year with relatively fast population growth in Zhengzhou. These people from prefecture-level cities and cities have low incomes, but they all want to settle down in Zhengzhou. They are also the backbone of society with old people and young people.
They are also the first set, they are also urgent needs, and they are also people who should be protected.
Just because I have bought a house a few years ago, I have to be treated differently, and I am carrying such a huge interest rate spread and high mortgage loans to make a living in the face of the epidemic? !
—4—
Give some hope
Nowadays, the important reason why people dare not consume is:
The sense of crisis that income is cleared at any time due to wearing masks, and the contradiction between the fact that mortgages cannot be cut off every month.
In the past, the interest rate of 4.25% was indeed low enough, but it was not the lowest. It is also unknown whether the interest rate will still be lower in the future.
In other words, you may also be on guard about interest rates.
Therefore, there are no outsiders in the mortgage interest rate. How to boost everyone's confidence is nothing more than the following points:
1. Modification transfer
allows high-interest house slaves to perform mortgage transfer operations before 2017.
is considering protecting the first set of urgent needs. Even if it does not follow the current low interest rate of 4.25% or 4.45%, it is OK to implement a benchmark interest rate of 4.6%.
This can not only directly reduce the pressure on housing slaves’ mortgage loans, but also release consumption power. You can spend more than a few hundred to thousands of yuan a month. You can buy more clothes, shop more next time, buy more books and toys for your children, and increase your desire to consume.
Moreover, according to reliable information, a bank in Zhengzhou has allowed internal employees to transfer mortgages.
2. LPR interest rate adjustment keeps up in time
If the above plan does not work, then after the LPR interest rate adjustment, can the mortgage adjustment of the house slave keep up in time? Although the five-year LPR is adjusted to 4.45%, based on the one-million mortgage and 30-year equal principal and interest, it is only about 89 yuan per month less than before. For the house slaves who are struggling with the pressure of the epidemic and economic downturn, it is just a drop in the bucket.
Even so, it is not an immediate adjustment. If you choose to adjust on January 1 every year, you have to wait for more than half a year.
3. Resist monthly payment for house slaves who suspended work
Now, there are many home buyers in Zhengzhou's real estate market, and one house has been on the hill with the highest interest rates for 30 years. Every month, I still have high mortgage loans, but the house I bought has been suspended for several months to several years, and the delivery is nowhere to be achieved.
The lives of these people can be said to be completely collapsed because of a house. From the perspective of people's livelihood, for the owners who have suspended work in these houses, will be temporarily suspended from the mortgage before the house resumes work, and it is reasonable to start repaying the loan after the house starts to start.
You should know that from 2017 to 2022, many home buyers also have their first home needs.
If they are wrong, the biggest mistake may be that they want to have a home in the city a few years ago!
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Some pictures and information in this article are from the Internet. The views in the article are only the author's views and do not constitute operational suggestions.
