The interest rate on the stock mortgage has dropped again, and there is a cheer on the Internet, but it is sad to take a closer look. Can this adjustment really solve the problem of buying houses for ordinary people?
A few days ago, the central bank announced a reduction in the interest rate of existing housing loans, which caused heated discussions as soon as the news came out. Many people were ecstatic, as if they saw that the dream of buying a house was about to come true. However, calm down and think about it, how cruel is the reality behind this wave of goodness?
Some netizens joked: "Finally, when the mortgage interest rate is lowered, my wallet is alive again!" Doesn't that sound optimistic? But in fact, this drop is just a drop in the bucket for millions of mortgages.
Taking a 30-year mortgage of 1 million as an example, the monthly payment is more than 200 less. In first-tier cities like Beijing, Shanghai, Guangzhou and Shenzhen, this amount of money can't even eat a decent dinner. Even in third- and fourth-tier cities, it is just the daily expenses of a family of three. It seems to save a lot, but it is actually a drop in the bucket.
What's even more ironic is that many people can't even make up a down payment, so how can they talk about a mortgage? Someone calculated the account: "The down payment will cost seven or eight hundred thousand, even if the interest rate is low, I can't afford it!" These words speak to the hearts of many young people. Under the high housing price, the down payment is an insurmountable hurdle.
Some people believe that this move is to boost the property market. Indeed, in recent years, the real estate market has been sluggish, and many developers have a tight capital chain. Lowering interest rates and unifying the down payment ratio seems to be a "blood transfusion" for the market.
But can the market really pick up because of this? I'm afraid it's not that simple. "Now that young people would rather rent than buy a house, who wants to take on a mortgage for decades?" A post-90s generation expressed the helplessness of the times.
High housing prices, low wages, and employment pressures have made buying a house more and more out of reach for young people. Will lower interest rates solve these fundamental problems? I'm afraid it won't work much.
Will lower interest rates affect banks' profits? On the surface, it seems to be a loss, but the bank's calculation is fine.
An industry insider revealed: "Banks may make up for losses by increasing loan lines or launching other financial products." Lowering interest rates could spur more people to buy homes, which in turn could increase the size of bank lending. In this wave of operations, banks may not suffer losses.
Admittedly, this adjustment has given homebuyers some respite. But buying a house is a big deal, and you can't make impulsive decisions because of this sweetness.
A senior real estate consultant suggested: "You still have to consider according to your actual situation, and doing what you can is the right way."
In the face of this interest rate cut, the reaction of the common people can be said to be laughing and crying. Someone laughed at himself: "I can save a few hundred yuan a month, which is enough to buy a few bottles of soy sauce." "
This sounds like a joke, but in fact it expresses helplessness. A few hundred dollars is indeed a drop in the bucket for a mortgage that can easily cost millions. But in the current economic situation, if you can save a little, many people can only comfort themselves.
At the end of the day, this rate cut is more like a game of deception. Banks, developers, home buyers, everyone is making a fool of themselves. We rejoice too soon and are too easily satisfied.
The real problems are still there: excessively high house prices, slow income growth, and structural imbalances in the economy. These are the things that need to be seriously faced and resolved.
What do we really need? Is it an affordable home, or is it an overdrawn dream for the future? Is it a small favor in the moment, or a long-term fairness and justice?
Netizen evaluation
They want to trick me into buying a house, but I don't get on it
I just took a look at the stock of houses in Baidu, but I didn't understand. Since it is an inventory that has not been sold, how can it be said that it is a second-hand house that has been purchased but not inhabited?
You just drop to zero now, young people don't buy houses anymore, and everyone sees it clearly
Lowering interest rates, lowering down payments, and not lowering housing prices is playing hooliganism
After a few years, I will give you back the rise, and then you will not be able to run
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