The central bank cut interest rates this time, and the benchmark interest rate for one-year deposits was lowered by 0.25 percentage point to1.75%; It means that if we go to the bank for deposit in the future, the interest will be reduced.

2. The mortgage pressure has become smaller.

The interest rate cut, the individual housing provident fund deposit and loan interest rates adjusted accordingly. Generally speaking, the interest rate of provident fund loans or commercial real estate loans and repayments is linked to the benchmark interest rate of the central bank. Therefore, the downward adjustment of the benchmark interest rate has alleviated the mortgage pressure of some individuals and families who want to buy a house.

3. Life consumption is more active.

Cutting interest rates means that interest rates may be lowered, so that bank deposits can be transferred to consumption and investment. This interest rate cut will promote consumption, and it is expected that the consumer confidence index will rise in the future, which is also conducive to the overall upward development of the economy.

People will have more choices in financial management.

The central bank's interest rate cut directly affects investment products, mainly industries with high asset-liability ratio or high liquidity pressure such as real estate, cement, building materials and steel; Secondly, it is also good for the stock market and the bond market. In terms of household asset allocation, investment in sound financial management is also indispensable. In addition to choosing deposits and treasury bonds, you can also choose fixed-income products, which have low risks and good investment returns.

5. Stock market: Real estate in six major industries benefited the most.

The analysis believes that interest rate cuts are directly beneficial to industries with high debt ratio. The A-share beneficiary sectors of RRR interest rate cut include real estate, banking stocks, non-bank financial stocks, securities, infrastructure, nonferrous metals, coal and other industries.

What is the impact of interest rate cuts on the stock market? There is no doubt that this is a major positive. Because of the falling currency price, the operating cost of enterprises is reduced, and the financing cost of the stock market is also reduced, which will stimulate more funds to flow to the stock market and also stimulate enterprise investment. These are certainly good for the stock market.

The most favorable sector to cut interest rates is the real estate sector. Because, for the current real estate industry, high currency price and high capital pressure are the two main contradictions. Reducing interest rates again now can not only promote buyers to buy houses, but also reduce the cost of enterprises, so it is a major positive for real estate stocks.

The interest rate cut will further trigger the expectation of RMB depreciation, so it is bad for enterprises that need to import more raw materials, such as the paper industry. However, the depreciation of the RMB is conducive to exports, so it is good news for enterprises that export products, especially high-end products. In addition, on the one hand, interest rate cuts, on the other hand, the government increases infrastructure investment, and future infrastructure-related sectors deserve continuous attention.

6. Will housing prices rise in first-and second-tier cities?

A series of favorable policies introduced before have effectively promoted the development of the property market. For the real estate industry, high currency price and high capital pressure are the two main contradictions. The central bank's "double down" combination boxing is a timely rain. On the one hand, interest rate cuts have increased consumers' willingness to buy houses, pushed up the transaction volume of the property market and accelerated the recovery process of the property market.

On the other hand, the downward adjustment of RRR may make the bank increase the loan amount, and the interest rate discount of the first suite will increase significantly. Guo Yi, director of institutional marketing of Yahao, said that bank loans are the main source of funds for real estate enterprises, and reducing RRR and interest rates will help real estate enterprises reduce financing costs.

7. The loan environment is relaxed and venture capital is easier.

With this interest rate cut, banks relaxed their loan requirements, making it easier for people to borrow money and reducing the cost of loans. Getting financial support will make more capable people more willing to start a business and invest to get more economic income. Although it is easier for people to borrow money from banks and the loan amount has been relaxed after interest rate cuts, the bank's loan approval process has been very complicated, which means that people are not so easy to borrow money. Some people still need loans from some non-bank financial institutions.

8. The yield of "baby" products and bank wealth management products will go down.

The central bank's interest rate cut aims at reducing the social financing cost and transmitting it to the investment and wealth management market, which not only benefits the property market as a whole, but also has a great impact on bank wealth management, stock market, bonds, funds, "baby", P2P and gold commodities. Although the central bank cut interest rates, people with fixed deposit habits don't need to be nervous for the time being and are busy "moving deposits". With the possible differentiated competition of interest rates among banks, consumers in the future can "shop around" to make a choice in order to obtain higher returns. We should pay attention to and judge the policy direction in time. Financial management should still be rational. It is best to adopt a portfolio investment strategy to diversify risks and maximize returns.