These major events have just happened in the property market, which may affect your purchase: "Silver 1" coincides with the new mortgage interest rate regulation, which experts say has little influence on buyers

As the golden period of property market sales over the years, after the flat end of the real estate market in "Jin Jiu" this year, the new mortgage interest rate regulation was ushered in "Silver 1" month. According to the announcement previously issued by the central bank, starting from October 8, the interest rate of newly issued commercial personal housing loans will be formed by adding LPR of the corresponding period in the latest month as the pricing benchmark.

Experts believe that although the new pricing mechanism has been adopted for the interest rate of individual housing loans, in fact, the policy itself has relatively limited impact on property buyers. However, affected by many factors, such as the implementation of the policy, that is, the range of LPR plus basis points, and the regulation policies of the property market in various cities, it will still have a certain impact on the real estate market in the short term, such as the changes of buyers' expectations for the future market. Yan Yue, director of think tank research center of Shanghai Yiju Research Institute: The adjustment of LPR interest rate announced on September 2 will not have a substantial impact on the cost of mortgage loans for homebuyers, but more impact will be reflected in the adjustment of loan pricing methods, that is, the increase of self-adjustment space for subsequent mortgage interest rates. Guo Yi, chief analyst of Heshuo: On the whole, the regulatory authorities set the LPR quotation rate, hoping that it can still achieve stable and stable expectations for the real estate industry without a comprehensive interest rate cut. Read the full text: The supply and demand of the 3-city market in Sino-Singapore Jingwei dropped, and the land sales in Hangzhou exceeded 2 billion yuan < P > Since p>219, the regulation of the real estate market has tended to be normalized, and the financing window has been tightened, and the mortgage system reform has been frequent, which has made clear the determination of the central government to firmly adhere to the basic regulation concept of "staying in the house and not speculating".

the analyst of 21st century economic research institute noticed that the total land supply of 3 cities in China decreased slightly in the first three quarters of this year, and the overall transaction volume showed a downward trend year-on-year. At the same time, the average premium rate still maintained a slight increase trend, which reflected the actual effect of property market regulation in various cities.

among them, it is worth noting that in the general trend of declining land supply and demand in major cities as a whole, the increase of land supply and demand in first-tier cities was the most obvious in the first three quarters of this year, ranking first among all cities. At the same time, among second-tier cities, hot cities like Hangzhou are still the main force of land "gold collection".