The leverage ratio of house purchase refers to the ratio of new loans to residential sales, and the leverage ratio is also the ratio of the risk of a company's assets and liabilities to assets. Leverage ratio is an indicator to measure a company's debt risk, which reflects the company's repayment ability from the side, that is, it enlarges your capital, and also magnifies your risks and benefits, because the profit and loss percentage is not based on the original capital, but on the enlarged capital.
What does the decline in leverage ratio of house purchase mean?
1, buying a house returns to rationality, and buying a house is no longer blind.
With the gradual deepening of the property market regulation policy, everyone realizes that houses are used for living, not for speculation. House prices will not necessarily rise in the future, and even if you buy a house, you may not be able to make money. People will not rush to borrow money to buy a house, and the leverage ratio of buying a house will be reduced. Therefore, the decline in the leverage ratio of buying houses has made people buy houses rationally and no longer blindly.
2. The property market regulation policy is very effective, and the loan restriction policy brings huge restrictions.
The decline in the leverage ratio of house purchase means that fewer buyers borrow money from banks to buy houses, but now the decline in the leverage ratio of house purchase is because the loan restriction policy closes the door of bank loans, and buyers cannot borrow money from banks to buy houses, which has brought huge restrictions to the loan restriction policy.
3, everyone has no money to pay the down payment and can't afford to buy a house.
As we all know, after 20 years of development, real estate has basically emptied everyone's savings, and because of rising house prices, many families are no longer able to pay the down payment to buy a house. Even if you barely buy a house, you should use "six wallets" to make a down payment.
4. The leverage ratio of house purchase declines, and house prices may fall in the future.
At present, the leverage ratio of residents buying houses has declined, resulting in a decrease in funds flowing into the property market. Once the funds are reduced, house prices may fall. In fact, there are already housing prices in many cities. Because the funds in the property market have fallen sharply, the leverage ratio of residents buying houses will continue to decline in the future, which may lead to a decline in housing prices.