Why is Ganzhou mortgage interest rate so high?

Ganzhou's mortgage interest rate is so high, which may be due to the improvement of bank mortgage quota standards or some special local policies.

First, the bank's mortgage quota standard is relatively high.

Buying a house is also an expectation of everyone, because everyone thinks that owning their own house will make their life more complete. Because there are still a few people who buy a house in full, they basically rely on loans. Rising interest rates means rising interest rates, so the relative pressure to buy a house will naturally increase if you have to bear more monthly payments. So these people who buy a house will feel particularly surprised. Why does the mortgage grow up? In fact, it is because the bank's loan quota has increased. At this time, you will find that your mortgage interest is relatively high and you need to pay back a lot of money every month.

Second, some special local conditions.

Ganzhou is not a case of rising mortgage interest rates. The high yield of buying a house largely comes from leverage. If you buy a house in full, the return on investment is not high. Real estate speculators make huge profits through bank loan leverage. Even if the house price doubles in five years, it is only 15% annualized rate of return. Therefore, the reason why banks do this is to prevent some people from speculating in real estate, because some people buy houses not to live at all, but to raise housing prices. If the bank raises interest rates, then these speculators will not dare to buy houses casually. The reason why these people buy houses is to further increase the bubble in the real estate market and let many people see that the price of real estate is relatively high. In this case, everyone will feel discouraged.

Third, the conclusion

If you are interested in buying a house, you can also go to the local official website to inquire about the relevant policies of the house. You may find that bank interest rates in many places are relatively high now, which is quite normal, because there are actually some facts hidden behind it.