Buying a house is an important thing for any of us in life, but now the house price is relatively high. Therefore, when buying a house, everyone will choose a loan to ease their economic pressure. However, according to the latest regulations issued by the Shanghai Industrial and Commercial Department, it can be seen that they have stopped the installment loan of housing taxes and fees in Shanghai. Then stopping this business will definitely have a great impact on buying a house. After all, some people can't even get these taxes after buying a house, so there will be this tax installment loan. If we stop this business now, it means that many people have to raise funds through other channels. Even many people will give up buying a house after learning the news. So today we'll discuss what impact this business will have after suspension.

First, the decline in the number of buyers,

As I said above, the pressure of buying a house is very great, especially in Shanghai. The price of a house is very high, and it costs millions to buy a house, so many people take out all their possessions to buy a house, and they still need to pay back the mortgage after buying a house. But at this time, because the price of the house is relatively high, there are still very high taxes and fees. In this case, it is necessary to ease their economic pressure through installment loans. If this business is stopped, many families will have bad economic expectations, so they will postpone the idea of buying a house.

Second, why do banks do this?

In fact, the main reason why banks do this is to avoid so many people buying houses. On the one hand, it will increase the proportion of bank loan funds, but on the other hand, banks are actually doing this to protect the market. You know, after buying a house, you can't even pay taxes and fees. It can be seen that at this time, these families who buy houses are at the end of their tether, but there is no liquidity. Therefore, in order to improve the current threshold of buying a house and let more people prepare some working capital, we must suspend the current tax and fee installment loan. Because only in this way can we ensure that the people who buy houses now have enough economic strength to complete the subsequent loans.

Third, how to look at this matter?

This incident will indeed have a certain impact on property buyers, so that they can give up buying houses in a short time, but at the same time, it can maintain the accuracy of the market and reduce the fiery degree of buying houses in the current market. In this case, it may lead to a decline in house prices. Moreover, banks do this to maintain market stability. After all, the proportion of loans actually lent by banks has now exceeded the standards they set before.