This yearMortgage interest ratesand pointed out a number of citiesMortgage interest ratesIt has fallen below 40%, entering the "3 era". According to the data, in December this year, the first set of mainstream in 100 citiesMortgage interest ratesThe average is 386%, two sets of mainstreamMortgage interest ratesThe average is 441%。This timeInterest ratesThe decrease is not for notBuying a houseis a real piece of good news. Although the drop is not large, but for those who have been hesitant, the news gives them more confidence and motivation. Many people don't do it because ofDown paymentThe question of hesitation, but the concern about the future of high mortgages. And withMortgage interest ratesof the lowering,Home loansinterest expense will be reduced, thus loweringBuying a houseTotal cost. That's undoubtedly trueproperty marketThere was a positive impact.
In addition, judging by current trends, it is expectedMortgage interest ratesThere is still room for downward adjustment. If in the futureMortgage interest ratesKeep going down, that will be even lowerBuying a housecost, which is more conducive to stimulationproperty marketof trading volume. From next year, ifMortgage interest ratesContinue to tune down, those that haven't yetBuying a houseButEconomyRigid needs within the scope of abilityBuying a housemay take advantage of this opportunity to get on the bus.
ExceptMortgage interest ratesThere is also good newsSecond-hand housing transactionsReduction of commissions. Some are mentioned in the original textSecond-hand housing transactionsThe platform is positioned with ultra-low commissions, and the commissions are only 03%。This low-commission model has recently been praised and praisedSecond-hand housing transactionsLow commissions will be the trend of the future.
Second-hand housing transactionsBrokerage fees have always been a headache for both buyers and sellers, and although the cost is shared by both buyers and sellers, it is still a significant expense when converted. If laterSecond-hand housing transactionsReally with a low commission model, buyers and sellers will be able to save a part of the fees, which is good for facilitationSecond-hand housing transactionsof trading volume.
This is more inclined for those who are more inclined to buySecond-hand housingis especially important. The reduction of intermediary fees will make them even moreBuying a housewillingness. So ifSecond-hand housing transactionsAdopting a low-commission model has become mainstream and is expected to attract moreBuying a houseenter the market.
As can be seen from the above two news, next yearBuying a houseThe market is likely to have two tailwinds. First of all,Mortgage interest ratesIt is expected to continue to downward and lowerBuying a housethe total cost for those who are hesitant to just needBuying a houseIt's a big plus. Secondly,Second-hand housing transactionsThe reduction in commissions will reduce costs for both buyers and sellers, facilitatingSecond-hand housingThe boom of the market.
For imminentBuying a houseof people, these two pieces of good news may provide some guidance in their minds. Mortgage interest ratesThe reduction will makeHome loansinterest expense is reduced, thus inEconomyThe ability to increase within the range that can be sustainedBuying a housepossibilities. WhileSecond-hand housing transactionsThe reduction of commissions will reduce the burden on buyers and sellers, which is more conducive to promoting the increase in transaction volume.
However, it is still necessary to remind everyoneBuying a houseCareful decision-making is required. Different cities, different regions, and different real estate projects will have different market conditions. Buying a houseshould fully understand the market information and consider the individualEconomysituation, family needs, and future planning to make informed decisions.
Finally, I hope that every oneBuying a houseThose who can choose according to their actual situationBuying a houseBe calm and rational, weigh the pros and cons, and make the decision that is best for you. From next year, everyone should have more thinking and certainty about whether to buy a house.