First, banks have limited funds for mortgage loans. Now the state strongly supports entrepreneurship and employment, so bank loans tend to be entrepreneurship and employment loans in policy. The limited loan amount can only be increased and decreased on the one hand, which is also for the real estate industry? Depressed? Therefore, the banking industry has a deviation from the policy.
Second, the adjustment of policies, banks to raise mortgage interest rates? Dissolve real estate inventory? Become? Curb the real estate bubble? Without state support and subsidies, banks will not raise interest rates on mortgages. If they follow the previous interest rates, banks will lose money, so banks will not take risks.
Third, the essence of raising the loan interest rate is to make money. Banks also want to make money, and raising the mortgage interest rate is also to make money, which shows that the previous interest rate can no longer meet their profits, so they have no incentive to mortgage, and with the decrease of deposits in other areas, their business is also affected, and the competitive pressure is relatively high. They can only choose to raise the mortgage interest rate to maintain a stable income and expenditure.
The above are personal opinions, and hard workers can only bear it silently. Do you want to own a house of your own as soon as possible, or do you want to continue to work hard? Moving bricks? Save enough money as soon as possible and win the house you like in full. There are more reasons to work, and the goals are more clear and firm.