Today, it can be said that going to work is 2-3 days, some may be in advance, but it is not more than a week, then the property market undoubtedly ushered in major news, began to cut interest rates, I believe that many buyers have also seen, today's news, it can be said that the interest rate cut is still relatively large, a one-time drop a lot, considering internal and external factors, we still have space, down, let's see the specifics.
First of all, let me tell you, there are some differences in each city, and let's talk about the latest interest rate in Chongqing, Chongqing is officially 3 times.
LPR is 395%
The first set of commercial loans is 375%, 2 suites 415%
The provident fund is 31, two sets of 3575%
It can be said that the difference is not too big, so there are three points that buyers are concerned about, but in fact, there are only two points.
First, the impact on the market? This is a lot of home buyers are very concerned about
The current market, the wolf has repeatedly emphasized to everyone, is the level of confidence, not everyone does not buy a house, you have to compare with the first half, on the volume comparison, the wolf feels a little raised, at present we are "there is wood" to "good or not" excessive, the pursuit of a better life is unchanged, then the interest rate cut to a certain extent, can effectively relieve the pressure of buyers, which is definitely good for the repair of the market.
Of course, it is impossible to completely repair the current market and restore confidence just by virtue of interest rate cuts, we have other supporting policies, and one thing that is certain this year is that it is a loose year, so it must be good for the market.
Second, the question of home buyers' concerns, when will my interest rate go down?
There are three scenarios here.
1. If you start buying a home today or tomorrow, you will start to enjoy the new interest rate.
2, mainly before, on January 1 every year, in fact, according to the LPR in December last year, it has been adjusted, so this part will not be adjusted until January 1 next year, and at the same time, it depends on what the LPR is in December 2024, which is being adjusted.
3, that is, some buyers change the date every year, not January 1, but March, May, August, then that is, this part can enjoy the new interest rate, of course, it must still depend on the monthly LPR change, for example, in March, then you can enjoy the new interest rate.
In the above adjustment of stock housing last year, Tianluo has actually told everyone, and I believe that many buyers can still understand.
Under the emphatic emphasis, the actual mortgage interest rate of home buyers = LPR + point LPR-point (+ point and - point are basically fixed, the type of operation last year is relatively small, basically fixed, from the beginning of the purchase, it is fixed, only LPR is changing).
Third, policy determination?
This point has been repeatedly emphasized by the wolf in the last year, our property market does not turn positive for a day, then the market stimulus will not stop for a day, this year the wolf said more bluntly, only you can't think of it, there is nothing that can't be done, and the interest rate cut can also see the embodiment of the determination to save the market.
So, in the end, what Tianluo wants to say is that no matter how big the rescue is, the differentiation of the property market is inevitable, as far as this year is concerned, there is no doubt about accelerating the recovery of the Chongqing property market and promoting the steady development of Chongqing's real estate, so for buyers, there is no need to worry too much, and the buying environment is still very ideal.
February** Dynamic Incentive Plan Well, that's all I have to say about the first drop in 2024.