Will the change of mortgage interest rate lead to a decline in house prices?
Generally speaking, it won't be fall in price to exchange mortgage interest rates for anchored houses. The original intention of changing the mortgage interest rate of anchored houses is to continue to put pressure on the rise of housing prices in the property market, but it cannot be across the board. Therefore, the local people's bank in LPR mechanism has increased some points by itself according to the specific situation of each place, which has become a means to mediate the imbalance of market growth. For example, Shanghai's housing prices have not increased much, and they are basically stable. You can add a little more. The house price in Xi 'an is rising too fast, so you can add a little more.
How to get low bank interest rate when buying a house
If you get a bank loan with low interest rate, you can use the provident fund. If the interest rate of provident fund is compared with that of commercial loans, for example, when both loans are for five years, the interest rate of provident fund is relatively 3.25%, which is 65,438+0.65% lower than that of commercial loans. Compared with other forms of loans, it can be said that savings such as provident fund will be relatively larger. If the provident fund can't meet the loan demand, you can choose a portfolio loan.
1, keep a good credit record.
For example, whether your personal credit record is good or not is the most basic condition for obtaining preferential interest rates, and it is also one of the important assessment criteria for becoming a high-quality customer of a bank. For example, China Guangfa Bank Beijing Branch stipulates that customers with good credit records can enjoy a minimum discount of 15% when purchasing the first suite.
2. Choose the bank with the lowest mortgage interest rate.
The lower the interest rate offered by the bank means the less interest you can pay. Generally speaking, you should know that there are corresponding cooperative banks in real estate, so when you buy a house, you should follow the arrangement of the property consultant and submit the information to your bank for loan, but it is possible that the interest rate of the bank is not the lowest, so comparison is the premise of saving money.
3. Prove your repayment ability.
The repayment ability mentioned here not only refers to the borrower's high and stable income, but also includes other assets that can be used as collateral. For example, Industrial Bank Beijing Branch stipulates that qualified customers can enjoy a minimum discount of 15% after special approval. The criteria for defining quality customers here include comprehensive repayment ability such as credit information and family assets.
If you want to buy a house, you should pay attention to the relevant knowledge of buying a house and understand the relevant mortgage interest rate policy and related details. The above is about how to change the mortgage interest rate to stabilize the house price and how to get a low bank interest rate when buying a house. When you apply for mortgage, you should also pay attention to the details of buying a house and keep a good credit record.