It shows that it plays a great role in boosting consumption, especially for friends with particularly high mortgage interest rates in that year.
Requirements: It can only be used to repay the first housing stock commercial personal housing loan.
Time: From September 25, 2023, you can apply for a replacement loan and negotiate to change the interest rate level agreed in the contract.
The new interest rate standard: the floating rate of the loan market quotation LPR shall not be lower than the lower limit of the first commercial personal housing loan interest rate policy in the original loan issuing city.
At that time, the lower limit of loan interest rate was different from place to place, depending on the time period, so there was no completely unified standard.
The minimum amount of most existing mortgages should be 4.65%-4.9%.
If many friends used to have a mortgage interest rate of 5%-7%, on average, everyone can go down by 0.3-0.8, which is almost the range.
You can also calculate and look at the mortgage interest rate in your city at that time, and calculate how much money you can save and how much interest rate you can reduce every year.
For example:
But the lower limit of your interest rate in that year was 4.65%-4.9%, which means that you can drop to this position, which is the limit.
It is the best for buying more than 6%.
According to the 6% loan, it is 6.5438+0 million yuan, which is 30 years.
The monthly supply can drop by about 800.
However, if your original loan interest rate is high and you increase a lot, then you can also reduce it a lot, and your situation is the most favorable.
How much can be reduced depends on the bottom line of the interest rate of the first suite in the city at that time.
I have to calculate my original mortgage situation.
As soon as the news came out, the RMB exchange rate began to appreciate, indicating that this positive effect is stimulating the economy and can stimulate consumption.
The capital market is very keen.
Moreover, the A50 futures index also jumped up, indicating that this is really good for the economy.
If it is generally positive, the exchange rate and A50 index will not react.
Every time I see something good.
You can pay attention to these two indexes.
If it is really good for the economy, these two indexes will react in the short term.
Mainly to see if the fluctuation after the short-term news comes out will suddenly rise.
If more residents have real money, consumption will naturally rise.
What everyone wants is this kind of real good.
This kind of benefit can really make everyone have confidence in consumption and will regain confidence in the future economic improvement.
A friend said that the original mortgage interest rate was about 5%, and I felt that there was not much adjustment, and I was only happy for my friend with a mortgage interest rate of 6%.
Don't worry, if many friends continue to repay the loan in advance, the situation will not improve, and there is a high probability that they will continue to adjust.
This concession today is really good. Step by step, everything is difficult at the beginning.
Willing to make a profit shows that there is room for further profit in the future.