The central bank has lowered RRR, and I think there will be room for further reduction of mortgage interest rate, especially now that the economy is very depressed. The repeated outbreak of the COVID-19 epidemic has dealt a heavy blow to the real estate market, and many developers have had problems in their capital chains, which has led to the suspension of a large number of projects and greatly affected the rights and interests of these property buyers. In order to further maintain the stable development of the real estate market, the government has also adopted a stimulus policy, so the mortgage interest rate will continue to be lowered.

Although the government has introduced many stimulus policies, such as gradually lowering the mortgage interest rate and reducing the down payment ratio of the first home, and even many local governments encourage citizens to buy houses in cities, the transaction volume of houses has not increased significantly, and the real estate market is related to all aspects of us. Once the property market has an impact, the domestic economy will be hit hard, so the government will definitely make the real estate market recover as soon as possible, so it is bound to introduce more powerful measures, and lowering the mortgage interest rate can arouse everyone's desire to buy a house.

The real estate market has passed the most prosperous period, and it will definitely decline gradually in the future, especially the domestic fertility rate continues to decline. However, developers are still building houses, and there will inevitably be fewer people and more houses in the future. There are not so many people to take over these houses. In order to reduce inventory as soon as possible, many developers will choose to sell at a discount and lower the mortgage interest rate.

Everyone should be more rational when buying a house. Houses can no longer be as popular as before, house prices will not keep rising, and even polarization will occur. House prices in third-and fourth-tier cities will gradually fall, and house prices in first-and second-tier cities may remain in a stable range. Don't rush to bargain-hunting. You'll lock yourself up instead of making money. The decline of mortgage interest rate has become an inevitable trend.