1. Stable monetary policy: The country maintained a stable monetary policy before 219. The easing measures of monetary policy, including choosing to lower interest rates and adjusting the deposit and loan reserve ratio, will prompt banks to lower deposit and loan interest rates. When the deposit interest rate drops, the bank's financing cost is low, which can reduce the loan interest rate, thus stimulating the demand of the real estate market.
2. Market competition guidance: Before 219, the competition in China's real estate market will become increasingly fierce. In order to attract more customers, banks will take the initiative to reduce the loan interest rate of stock houses to provide more competitive loan interest rates and preferential conditions. The pressure of market competition urges banks to actively reduce the loan interest rate and promote the development of the real estate market by attracting more borrowers.