Now there are generally two ways of mortgage, one is commercial loan, and the other is provident fund loan. Buying a house with provident fund, even if the interest rate of commercial mortgage rises or falls, has nothing to do with you. According to the new mortgage interest rate policy. One is the fixed interest rate, that is, the interest rate agreed with the bank when you sign the contract, which will remain unchanged after signing it. The other is that it will change with the change of the benchmark interest rate. As long as the bank adjusts, even people who have already bought a house will change their mortgages.
Now many families have mortgages, so the bank's adjustment of the bank interest rate has a great impact on the public, because now everyone's life pressure is great, in addition to paying the mortgage, there are living expenses, child support and so on. Too many mortgages have made many young people miserable and caused many social contradictions. Now that young people are gone, the spirit of the past has become more and more depressed and Buddhist. The reason is that they can't afford to buy their own house even if they struggle.
The state adjusted the loan interest rate to mobilize the economic development of China. At the beginning of 20021,the CBRC drew two red lines for banks and imposed some restrictions on real estate loans and personal loans. Through this series of control policies, domestic housing prices have become more and more stable. I believe that the housing prices in China will not rise as fast as before, and will eventually return to a reasonable range with the passage of time.