The first home loan interest rate dropped to 4.1%! What impact will this have on the property market? Will buyers be moved?

The lowest interest rate of the first home loan to 4.1% has an impact on the property market, and some of them just need it and have enough money, so they buy it, but some buyers are still not interested! Because I don't think it is low enough.

Let me tell you about LPR (loan interest rate) first.

Those who have not converted LPR will continue to repay at this interest rate, and those who have converted LPR will still have to add your higher proportion than others on the basis of LPR. For example, if someone else bought it at the benchmark interest rate, they will repay it at 4.1% now. Your original interest rate was 1% higher than the benchmark interest rate, but now it is 4.1% higher and 1% lower, which does not mean that your mortgage will start to be repaid less next month. A * * * has two time nodes. If you choose January 1st of each year to recalculate the monthly repayment amount, you need the LPR of December of the previous year to calculate the repayment amount.

if you choose the loan date to recalculate the repayment amount, it will be calculated according to the LPR of the month before your loan date. There is only one chance in a year, and the repayment amount will be fixed for the next 12 months. No matter how the LPR changes, it will not affect your repayment amount.

The mortgage interest rate dropped to a minimum of 4.1%. What do you think of it as a property buyer?

I bought a house in 19 years, and the mortgage interest rate was 5.88. At that time, I felt nothing, and the overall environment was this. Now I feel very bad. Let me tell you how I did it.

1. offset some loans with low interest rates. At present, the interest rates of some banks' quick loans are very low, such as those of CCB, which can be as low as 3.85. Some of them can be lent to their own commercial loans, so that the overall loans will be low. When the quick loans expire, they can be re-loaned by their families, so that the two can continue to turn around.

2. Waiting for a good policy of transferring business to public. I went to the provident fund center in our city a few days ago and learned that the amount of provident fund loans has been increased from 3 to 4,, and the policy of transferring business to public is being prepared. If the policy is introduced, it can solve the big problem.

3. Use the money of relatives and friends at a lower interest rate. I inquired about the fact that the interest rate of bank deposits is basically below 2%, even the income from buying wealth management is below 3%. You can use the money of relatives and friends at the interest rate of 3%_4%, so that relatives and friends can also use a high interest rate, and you can save money yourself, killing two birds with one stone.

that's my opinion.