Recently, banks or houses have also caused controversy, especially after Shanghai promulgated the law on controlling real estate speculation, many banks stopped lending and raised interest rates urgently, which is very difficult for real estate speculators. But it also affects many first-time buyers, and the increase in interest rates will definitely increase the interest paid by buyers.

The increase in mortgage interest rates of the four major banks in Guangzhou is also a hot search. Some media also exposed the first home loan of the four major banks of Guangzhou Workers and Peasants Zhongjian, and the interest rate was adjusted to LP? R+55bp, second home loan LP2+75bp, both increased by 15bp. Not only Guangzhou, but also other cities, especially first-tier cities, will gradually introduce their own relevant regulations and raise certain mortgage interest rates in the next few years. Many real estate speculators are still considering what the general trend will be in the next few years, and whether banks will have an impact on their own purchases. However, this sudden decline in policy is really a bit unexpected for them. Using the bank's interest rate is the ultimate method, because for them, many people don't buy a house in full. Usually, the bank will borrow some money. After paying the down payment, they pay for the house every month. When they want to sell, they pay the full amount through loans and then sell. So they earned this difference, so this time the bank lowered the interest rate and increased the interest by hundreds of thousands to a certain extent, which is quite serious for them.

The increase in mortgage interest rate not only has an impact on real estate speculators, but also has a certain impact on this property buyer. After all, the policy is one-size-fits-all, so it will also dampen the enthusiasm of a few first-time buyers to a certain extent, but with the subsequent revision of relevant regulations, it will definitely attract more renters and have housing. Why does the central government control real estate? In fact, real estate is the biggest financial risk problem in China at present. In order to control the deterioration of related industries, the central government and other relevant government departments jointly control this matter.

Why are housing prices so high in China? Mainly because of real estate speculators, and for those real estate speculators, they only care about interests, and our country's development strategy is to help everyone, but if it continues to deteriorate, then most young people have almost no house to buy. China will introduce some related management policies every year. Although this situation has not been alleviated to a certain extent, as long as we strengthen control and improve relevant laws and regulations, all people in China will definitely have houses to rent in the future.