Obviously, the floating effect of mortgage interest rate is more obvious than the control measures such as purchase restriction and price limit, which greatly increases the cost pressure of loan buyers and is a heavy blow to speculators. Since then, the cumulative net withdrawal of funds from the central bank in the open market is obviously greater than the net investment, and the CBRC has successively issued eight policies to combat financial idling.
The central bank's monetary policy has just been tightened, followed by major commercial banks, and the interbank funds invested by major commercial banks have decreased. In addition, interest rates have risen to a certain extent, and the liquidity interest rate of the entire real estate market continues to be tight. Undoubtedly, these phenomena will soon be transmitted to second-and third-tier cities, which will eventually lead to a sharp rise in the market mortgage interest rate. At present, the average loan interest rate for the first home in China has risen for two consecutive months, reaching 4.5%. Among the 533 banks in 35 cities across the country, the interest rate of the first home loan has been discounted by more than 20%.
With the acceleration of interest rate increase in the United States, China's monetary policy cannot continue to be loose, otherwise it will lead to increased pressure on capital outflow and RMB exchange rate depreciation. The only way now is to shrink the currency and raise the market interest rate.
In addition, the government work report at the just-concluded two sessions pointed out that in order to better solve the housing problem of the masses, we should continue to implement differentiated regulation and establish a sound long-term mechanism. As a part of the long-term mechanism of the housing rental market, it is the object of the government's vigorous development and an important part of many urban real estate markets. In addition, many places are also trying to meet the housing needs of residents in new ways. For example, the scheme of * * * property right house has been optimized and adjusted relative to the existing self-occupied commercial housing in terms of planning, suggestions and sales. The establishment of these long-term mechanisms will play a leading role in the future development of the real estate market. The emergence of more new housing structures will fundamentally change the composition of the current real estate market and the traditional concept of buying a house for many years.
This will be a turning point in the development of China real estate market. In order to improve the housing environment in an all-round way and ensure the stable development of the real estate market, I believe that more policies will be introduced this year, and more big moves have not yet been made. Friends who want to buy a house should clearly understand the market situation and think twice before you act.