Recently in Heze, Shandong, Chongqing. And Ganzhou, Jiangxi. Gradually reduce the down payment for the first suite to 20%. This news delighted many young people living in Heze, Chongqing and Ganzhou. Why did the governments of these cities suddenly make such a big move? Bian Xiao believes that there are the following reasons. 1. Heze and Ganzhou in Shandong are not particularly developed areas. The real estate industry in these areas is seriously full, and a large number of vacant rooms are often left unattended. Although Chongqing's economy is relatively developed, as a mountain city, the real estate industry will still exceed demand.

Despite the implementation of the second or third child policy. However, both post-90s and post-90s hold the view of unmarried infertility, and at present, the aging is very serious and the economic growth is slow. The government hopes to stimulate economic growth by lowering the down payment. Third, contemporary young people are under great pressure, and housing prices are too high for young people to bear. Their willingness to buy a house is gradually decreasing, and most of them choose to rent a house. Four. Nowadays, most young people prefer to be free rather than be bound to a certain place. Most of them will choose to live in multiple cities. First of all, the starting point of housing prices in different cities is different, which will lead to different down payment.

In this case, it is obviously unreasonable to require the down payment of house prices to be reduced to the specified price across the board. For example, the housing prices in Taiyuan, Shanxi and Shanghai are definitely different. Under the influence of geographical environment, economic conditions and other factors, housing prices in Shanghai are much higher, and the down payment is correspondingly high. If the down payment of housing prices in these two cities is required to be reduced to the same price, it will obviously be reduced even more for Shanghai. So, if you use a commercial loan with floating interest rate, you will be lucky this time, because your monthly payment will be reduced.

At present, China's personal mortgage interest rate is about 5.42%, which is about 5.22% after 20 basis points. If a person borrows 500,000 yuan (commercial loan) and pays the same amount of principal and interest, then his monthly repayment amount is 2,700 yuan (calculated according to the loan for 30 years). After a reduction of 20 basis points, he will be able to pay 63 yuan less every month, that is, 756 yuan a year and 22,680 yuan for 30 years. But then again,? Even the smallest ant is meat. ? Something is better than nothing. Moreover, if your mortgage amount is very large, with a calculation of 5 million yuan, then you can save 230 thousand yuan in 30 years, which is also very good.