25 trillion stock mortgage interest rate cut countdown, who benefits the most?

I heard the word "house slave" when 16 years old and 17 years old. Fortunately 10 years later, I became a real house slave.

House slaves may be a compliment in the eyes of others and even become a symbol of wealth. However, you know that most people with mortgages are sad. Every month, no matter how much money you earn and how you live, your mortgage must be paid on time. If it is overdue, there may be some problems in personal credit reporting, which is also very helpless.

A hot topic on the internet two days ago was about the interest rate cut of stock mortgage. The People's Bank of China issued a notice saying that from September 25th, commercial banks can adjust the interest rate of the first set of personal commercial housing loans in an orderly manner according to law. Although this notice is suspected of "speaking like a book", it is good news after all. After all, some people can pay less on their mortgages.

Subsequently, major banks also began to follow up and issued relevant adjustment rules and application methods, which confirmed the authenticity and practicability of this information. Generally speaking, the major banks in this adjustment are similar, mainly involving the identification of the first suite, restrictions on interest rate reduction, personal credit reporting and other issues.

Because it covers a wide range, I won't go into details. I suggest friends go to the loan bank for consultation. After all, it involves your own interests.

The implementation of this policy, there is no doubt that the biggest beneficiary is the property buyers. As a property buyer, my first home loan interest rate is 5.25%. At that time, I borrowed 47 W, and the monthly interest was 2650 yuan. I calculated that if the loan interest rate can be reduced to the local LPR(4.2%) where I bought a house at that time, I can pay back 400 yuan less every month. The money saved is enough for my newborn child to have a diaper for one month.

Except for those who have already bought a house, this is definitely a good thing for young people who just need it. If the mortgage interest rate drops, the repayment interest will decrease. According to the previous interest rate of 5.2%, the loan is 470,000 yuan, but the interest of 480,000 yuan has to be paid, and the interest is more than the loan principal. Every time I see this, I have the urge to pay, but I don't have enough money in my hand.

In addition, this is also a good thing for the real estate market and real estate operators. Low mortgage interest rate will boost the confidence of buyers, and there will be a buying boom in the short term. Moreover, loan relief itself will not harm the interests of real estate developers, so it is a sure profit for them.

In addition, the implementation of the policy of recognizing housing and not recognizing loans will also make some people have the impulse to buy a second suite. It is worth mentioning that in retrospect, the previous purchase restriction may be a joke.

However, where there are beneficiaries, there are "contributors". If the loan interest rate is reduced, the bank's profit will be reduced. Not surprisingly, banks will also introduce new policies to make up for this loss, similar to lowering the deposit interest rate.

Finally, although the loan interest has dropped, people who want to buy a house still need to be rational. This may be just a transition, but it hasn't bottomed out yet!