With the last two days of September, favorable policies for the first mortgage interest rate and the first personal housing provident fund loan interest rate were successively issued, and announcements of lowering interest rate policies in various places were also frequently launched. In terms of commercial loans, many places have entered the level of the first mortgage interest rate below 4.0%.
According to media statistics, as of now, at least Hangzhou, Nanjing, Shijiazhuang, Chengdu, Harbin, Hefei, Nanchang , Zhengzhou and other cities have stated that they will adjust the interest rate of the first personal housing provident fund loan according to regulations. Faced with the reduction of the first home loan and the provident fund loan interest rate , relevant media and experts have also begun to frequently calculate interest accounts for home buyers. For example, if the provident fund is loaned 1.2 million yuan, the loan term is 25 years. After the interest rate is lowered, you can save nearly 95 yuan per month, which is more than 1,000 yuan a year, and you can pay more than 28,000 yuan less in 25 years. If the loan amount is larger, the money will be saved.
For residents, whether they are using commercial loans or provident fund loans , as long as the interest rate is lowered, saving money is obvious. The amount of money saved is also very easy to calculate. There is no need for experts to work hard on . You can find a bank staff member to calculate it quickly. What experts want to calculate is how much consumption potential and consumption capacity will affect residents' debts after buying a house, and what impact will it have on the sustainable development of the consumer market. If the media and experts also spend their time and energy on calculating interest accounts for residents and how to attract residents to buy houses, then such media and experts may not be able to play a very effective role except for being the spokesperson of interest groups.
Little do you know that for those residents who are not capable of and do not need to rush to buy a house, they use the money from buying a house to consume in other aspects, to cultivate children, to support the elderly, to improve their lives, and to for necessary investment. How good is it. Not only will the quality of life and taste be greatly improved, but the sense of happiness and gain will be greatly enhanced, but the role in driving consumption will be better played, and will greatly improve the sustainable development ability of consumption. Especially at the important moment of building a new development pattern and realizing the domestic circulation, it is more important and urgent to give full play to the shaking role of residents' consumption on economic growth.
However, local governments have not really focused on the sustainable growth of the economy and the realization of the domestic circulation. Instead, they only take into account the current economic growth data, continue to focus on the pull of the real estate market, and try to continue to gain government benefits from the growth of the real estate market and continue to create political performance. As a result, various policies will be introduced to stimulate the recovery of the real estate market regardless of everything. In particular, the "One-person home purchase and family help" policy is a serious act that seriously harms the sustainable growth of consumption, but dozens of cities have introduced this policy, which is really difficult to understand.
Little do you know that housing consumption is mostly one-time consumption. Once you buy a house, the money that is pressed on the house will be solidified and it is difficult to flow in a short period of time. Moreover, housing purchased in debt is still squeezing residents' consumption in other aspects. In other words, the calculation of the suppressed consumption of a house purchase is really impossible to calculate. If a house is reduced and residents are allowed to spend the money they buy for other aspects of consumption, the consumption effect will be much greater than that of buying a house.
Some people may say that even if they don’t buy a house, most residents will not use it for consumption and will accumulate it for buying a house. This is true. The reason for is that housing prices have risen too quickly, and residents' home purchase psychology has been distorted by the rise in housing prices. They have long lost their rationality when it comes to buying a house. If housing prices do not rise like this, if residents’ savings can be arranged and used normally, if residents do not have panic and expectation about buying a house, residents’ consumption will be stable and orderly.
Because of this, whether it is local governments, media or experts, don’t force, induce or mislead residents to buy a house, and let residents make reasonable judgments on their own. Local governments really want to interfere in the real estate market, so do a good job in stabilizing housing prices and do not let house prices fluctuate significantly, especially not let house prices continue to rise. At the same time, do not set any price reduction restrictions for developers. This is an irrational market intervention behavior that will make the market increasingly distorted. How to set housing prices, whether they rise or fall, let developers decide that the government should not use policy protection. The majority of residents have suffered from the rise in housing prices for so many years. Can’t they taste the sweetness of falling housing prices? What's more, even if the housing prices drop, the sweetness produced by is not much better than bitterness. Therefore, we can’t help but ask, does the local government have to keep housing prices tightly? Do you have to take a lot of debt to buy a house to be at ease? Policy such as encouraging residents to buy houses, , after all, is to help developers with housing prices and seek benefits for developers, which is unfair and unfair. The government's position should be fair, not to be skewed, especially not to help developers to be skewed.
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