165438+1October 25 news, the CICC research report said that the possibility of a new round of mortgage interest rate cuts would not be ruled out. The current mortgage interest rate has basically exhausted the existing policy space, and because the phased interest rate relaxation policy will restore the original interest rate at the end of 2022 and after 2023, in order to maintain the stimulus to the real estate market, a new round of mortgage interest rate reduction is not ruled out.

Specific ways may include:

LPR will decrease in one year or five years.

The second is to further relax the lower limit of the five-year LPR new mortgage interest rate of not less than 20 basis points.

In addition, residents repaid their loans in advance this year, mainly due to high mortgage interest rate (about 5%) and low annual return on assets (about 3% for time deposits). It is not excluded to reduce the interest rate burden of residents by directly lowering the mortgage interest rate of stocks and reducing early repayment.

The probability will drop. In 2023, the state will introduce some policies to stimulate the weak real estate market, cancel the restrictions on buying houses, reduce the down payment ratio and lower the loan interest rate. These are common means.