The central bank recently injected a net 800 billion yuan into the market through MLF, a currency adjustment tool that allows local commercial banks to borrow money temporarily and return it when it matures. This actually implies that the funds on hand are not enough at the moment.
For ordinary people, the main benefit is that banks are well funded, and it is easier for people to take out loans, including buying houses. However, this can affect different people.
In terms of the property market, this move may have a positive impact on the trend of house prices, but many people do not understand the reason. Therefore, some experts remind everyone to make 3 preparations.
First of all, don't easily choose the route of low down payment and high loan, because there is a great risk in taking out more loans, and if you are unable to repay the loan due to income problems, you may lose even the down payment.
Secondly, be prepared to not be able to change houses in the short term, because although there will be more and more people who need to change houses, it will be difficult to sell the house, which will make it difficult to change houses.
Finally, be prepared to continue to buy a house even if the house price continues, because you don't know how long the house price will fall. In general, buying a home is a game that requires a game with developers, sales agents, second-hand property owners, and yourself.
Whether you've already bought a home or you're about to buy one, you need to be well prepared.