My friend, this is not simple. The bank used the national policy to curb investment real estate speculation to raise interest rates substantially and reasonably, which is basically the same as the interest rate of commercial loans. 5.94% is the benchmark interest rate for commercial loans, so house loans must be discounted. Now it's good to give you a 20% discount or even a maximum of 8.5%. It was really dark. Banks and investors don't care about small fluctuations in interest rates.

This year, the focus of banks is not so much "making scale" as "making profits", which is the basis for reducing interest rate concessions. Behind this is the obvious tightening of credit in the whole bank. In addition to the gradual cancellation of interest rate concessions, another outstanding performance is the extension of the loan period. In the past, it usually took about 40 days from application to loan, but now it takes 55-60 days. In late March, some banks expressed "no quota" in the face of qualified loan applications and could only wait until April.

For investors who made a lot of money last year, the financial pressure caused by small changes in interest rates is much less. Even for the second suite, the benchmark interest rate has increased by 65,438+00% to 6.534%, and 965,438+066.26 yuan is paid for the above-mentioned house every month, and 65,438+0.365,438+0.6,5438+0.4 yuan is paid more every month. With abundant self-owned funds and rising house price expectations, the increase of more than 1000 yuan will be harmful to investors and real estate speculators.