House price has always been a hot topic of concern to people all over the world, because it will affect our future life. House prices are getting higher and higher, and people also say that the current economic pressure is too great to buy a house and get married. The relevant state departments have been trying to solve the problem of rising house prices. In order to continue the real estate market, various localities have introduced some preferential policies. Fuzhou's down payment ratio and mortgage interest rate are both lowered, and the first home loan interest rate can be as low as 4.25%. The downward adjustment of LPR this time means that Fuzhou Bank is expected to continue to reduce the interest rate of the first home loan, according to 4.3%-20 bp=4. 1%. This is lower than 4. 156% after the mortgage interest rate of 30% in 2009. This is a good opportunity for Fujian people to buy a house.

First, the reduction of the down payment ratio means the reduction of the threshold for buying a house. The reduction in the down payment ratio means a reduction in the threshold for buying a house. For example, you may need a down payment of 500,000 yuan to win the original house of1100,000 yuan, and now it has been reduced. For property buyers, there is no need to receive such a high down payment at once, so there will be no such pressure. You can buy a house as long as you save enough down payment.

Second, the mortgage interest rate has decreased, and the accumulated monthly mortgage interest rate has decreased. LPR fell by 15 basis points. If the commercial loan of 1 10,000 is paid off in 30 years, the monthly mortgage will be reduced by 88.48 yuan compared with that before the introduction of the policy, and the cumulative monthly mortgage will be reduced by 3 1.80 yuan. This 30,000 yuan is not a small amount, so it is preferential for property buyers. The cost of buying a house in Fuzhou has already ushered in substantial benefits and relief, so we should seize this good opportunity.

The above is just a personal opinion. Personally, I think that local people will have a very good chance to buy a house because of the policy introduced in Fuzhou this time. What do you think of this? Do you think now is a good time to buy a house? Welcome everyone to leave a message in the comment area for discussion.