Recently,property marketThe transformation imperative is becoming more and more intense. Despite the small counties and small citiesproperty marketIt is indeed cold, but the situation in Beijing, Shanghai, Guangzhou, Shenzhen and second-tier cities is not bad. The data proves this directly. Take Beijing andShanghaiFor example, thoughNew house in BeijingThe average price increased by only 0 percent month-on-month06%, but the transaction size fell by 155%；New houses in ShanghaiThe average price increased by 01%, but the transaction area decreased by 2%. This is a typical example of the situation of "price rise and volume fall". This phenomenon also raises concerns about the futureproperty marketThere may be speculation of a big move.
However, instead of blindly responding to such speculation, it is better to look directly at the data. Although the down payment ratio has been reduced from 4% to 3%, it seems that it is easier to buy a house, but the subsequent cost should be considered. toNew houses in ShanghaiFor example, although the down payment ratio was reduced by 10% and saved 400,000 yuan, it needed to borrow 400,000 yuan more, and also had to pay interest, and may have to repay more than 500,000 yuan in the end. In contrast, lowering the interest rate on loans will be more affordable. At present, the interest rate on loans in Beijing has increased from 475% to 4About 3%.ShanghaiThe interest rate on the loan also starts from 455% to 41%。Although 0The 4% drop may not seem like much, but in Beijing andShanghaiSuch a big city,Buying a houseLoans often reach more than 2 million yuan, and the interest rate is reduced by 04% can save nearly 200,000 yuan, and the monthly repayment can also be reduced by 600 yuan. A penny is small, but you can see a hero.
However, we should not be overly fancifulRoom rateswill skyrocket or ** situation. High-level pairsproperty marketThe hope is to always be relatively stable, not too hot or too cold. ForRoom ratesAlthough the developer may discount it, it will not be easy to implement, and the results will not be too perfect. The reason is that the owner may report it, or cause confusion in the sales department. People rarely think about this, but to maintain order and stability, discounts often end up being withdrawn. Therefore,Room ratesIt is no longer possible, especially since the second-hand housing market is more stable. Unless there is an urgent need for money, it is unlikely that the house will be cheaper by 500,000 or 600,000**. In summary, for the sake of protectionproperty marketstability, various policies are frequently introduced, which eventually leads toRoom ratesThe change is small.
Inproperty marketIn the process of transformation, various policies and measures have been frequently introduced to ensure that they are protectedproperty marketstability. Lowering interest rates on loans is one of the important measures. With Beijing andShanghaiReduction in lending ratesBuying a housewill be able to enjoy more benefits. However, some may question whether a reduction in interest rates on loans is sufficient. If the interest rate on the loan can be further reduced to 37% level,property marketIt may move on to another stage.
In addition to lowering the interest rate on loans, there are other measures to protect itproperty marketStability has played an important role. In recent years, a series of purchase restriction policies have been introduced in various placesBuying a housePersonBuying a housequantity andBuying a housequalifications, effectively containedInvestmentsThe act of flipping houses. In addition, various localities have stepped up supervision of the real estate market to crack down on violationsBuying a house, false propaganda and other behaviors have maintained the fairness and order of the market. Together, these initiatives have led toproperty marketTransformation, from the past hot situation to steady development.
Inproperty marketIn the context of transformation,Buying a houseChoose carefully. property marketTransformation makesBuying a houseNot anymoreInvestmentsbut to make decisions based on their own needs. Buying a house needs to be practical, not blindInvestments。Becauseproperty marketAfter the transformation,Room ratesIt is basically stable, and a large rise and fall is unlikely. Therefore,Buying a houseYou need to think calmly and decide whether or not based on your personal needs and financial situationBuying a house
In summary,property marketThe stability of the transition is gradually emerging. Through a series of measures such as reducing the interest rate on loans, ** hope protectionproperty marketStable development. Buying a houseDecisions should be made based on the actual needs of the individual, and should not be excessiveInvestments。futureproperty marketThe key is to grow steadily, not skyrocketing**. In this regard, we need to take a calm attitude, pay attention to market changes, and make informed decisions.
property marketThe transformation is underway, and there are more and more signs that the guaranteeproperty marketstability has become an important task at the moment. Against this background, a number of measures have been taken, among which the reduction of interest rates on loans is considered to helpBuying a houseone of the key measures. However, inBuying a houseIn the process, we also need to choose carefully and not blindlyInvestmentsBuying a houseDecisions should be based on actual needs, not speculation. Room ratesThe skyrocketing ** is no longer possible in the futureproperty marketIt will maintain a relatively stable development trend.
AsBuying a houseWe need to be rationalproperty marketchanges and policy measures. property marketThe purpose of the transformation is to ensure the stable development of the market, and at the same time to remind usBuying a houseIt should be guided by actual needs, not blindly followedInvestmentsThe mentality of flipping houses. Reducing the interest rate on loans and other measures are givenBuying a housebrings a certain degree of affordability, but inBuying a houseThere are still pros and cons that need to be carefully weighed along the way. And most importantly, inproperty marketIn the context of transformation, we should put:Buying a houseSee it as a way to meet your own housing needs, not as a speculative act. Only by remaining rational and calm can you adapt betterproperty marketto make informed decisions. At the same time, we should also pay close attentionproperty marketunderstand the changes in the market in order to make the right decisions. Room ratesmay have risen and fallen, but a large spike** is unlikely. Therefore, we should choose the right one for ourselves according to our actual situationBuying a houseTiming, don't be swayed by market sentiment. It is only on the basis of reason and calmness that sensible can be madeBuying a houseDecision-making.
Such an event makes me rightproperty marketThere is a deeper understanding of the importance of transformation. property marketThe transformation is currently underway, and a series of measures have been taken to safeguard itproperty marketStable development. Lowering interest rates on loans is one of the important initiatives, rightBuying a houseThat's good news. However,Buying a houseIt is also needed when making decisionsThink rationallyBuying a houseIt shouldn't just beInvestmentsand should be chosen according to actual needs. ForRoom ratesWe should not be overly fantasizing. Room ratesIt is important to remain rational and calm and make decisions based on your own circumstances. Only then can we be thereproperty marketTransform to find the right one for youBuying a housetiming, make an informed choice.
A: Agree with the landlord's point of view, don't blindly follow the trend, needBuying a houseBuy when you want, don't be casual when you don't need itInvestments
b：property marketof stability on the wholeEconomyDevelopment is very important, and the measures put in place can help to ensure itproperty marketSteady, letBuying a houseThere are better options.
C: I hope that the loan interest rate can be further reduced, which is rightBuying a housemore affordable.
d：Buying a houseIt should be treated rationally and avoid excessInvestmentsso as not to get caught up in the risk. At the same time, it is also necessary to continue to strengthen itproperty marketto avoid a bubble in the market. property marketThe steady development ofSocialEconomyThe stability and happiness of the people's lives are very important. Hope** andBuying a housework together to achieveproperty marketThe benign development of .