The threshold for buying a house will drop again to 20% of the down payment of China 8

The latest data of the middle finger research institute, currently more than 80 cities including Chinese Shijiazhuang and Wenzhou, have adjusted the first set of commercial loan down payment ratios to 20%; Wuhan and Guiyang, including more than 20 cities, have already loaned the first home loan.Interest rates drop to less than 4%.

According to the First Financial Report, cities with less than 4%of the first mortgage rate include: Yangjiang, Qingyuan, Yunfu, Zhanjiang, Jining, Wuhan, Guiyang, Jiangmen, Yichang, Xiangyang, Tianjin, Baotou, Fuyang, Fuyang, Shijiazhuang, Qinhuangdao, Kunming, Dalian, Dali, Luzhou, Anqing, Enshi, Wenzhou, Ruian, Yueqing, Zhoushan, Quanzhou, Yichun County, Huanggang, etc.

This round of "interest rate cuts" originated from the new policy on the eve of the National Day.Cities with a month -on -month and continuous decline in sales prices, before the end of 2022, relax the lower limit of interest rates in the first set of housing commercial personal housing loans at the end of 2022.

The latest Chinese monetary policy implementation report released by the Bank of China in the third quarter of the third quarter shows that from the perspective of the actual commercial personal housing loan interest rate, the interest rate of personal housing loan was issued in October 2022, which is 4.3%, which is higher than the above, whichThe monthly decrease of 4 basis points, down 133 basis points from the end of the previous year, the lower limit of the first set of mortgage interest rates was canceled in some cities such as Hubei and Guangdong.

Chen Wenjing, the market research director of the Index Division of the Medical Research Institute, said that since this year, many ministries and commissions have continued to release policies for favorable policies, and localities have actively implemented the "policy of cities", and the demand for credit policies has been continuously optimized.Further relaxation of credit policies helps reduce the cost of house purchases, alleviate the market's wait -and -see emotions, and drive the release of housing demand.