(Image from: official website, People's Bank of China)
With the downward adjustment of LPR for more than five consecutive years, the mortgage interest rate has once again set a new record. This is also the biggest decline since the LPR reform in August last year. This move has fulfilled the pre-judgment of the property market in the early stage and played a positive role in promoting the future expectations of the real estate market.
Hard-core interest rate cuts in the property market or welcoming "Xiaoyangchun"
LPR refers to the loan interest rate executed by financial institutions for their best customers, and other loan interest rates can be generated by adding and subtracting points on this basis. This reduction in LPR reduces the cost of mortgage interest, which is undoubtedly beneficial to buyers. Take the mortgage loan with a loan principal of 6,543,800,000 yuan and an equal principal and interest for 30 years as an example. Before the LPR adjustment, the average interest rate of the first home loan in first-tier cities was 5.05%, and it dropped to 4.95% after the adjustment. Compared with before, the monthly payment will be lowered by about 63 yuan.
(Image from WeChat official account: look at the property market greatly)
During the whole repayment period, interest rate reduction will save about 22,000 yuan for buyers (loan of 6,543,800 yuan+0,000 yuan). Therefore, with the further reduction of the financing cost of real estate enterprises by RRR interest rate cuts, the concentrated release of pent-up demand for house purchase and the outbreak of local auction boom, it is expected that the property market will usher in a staged rebound in house prices and sales.
The best way to grasp the policy vane and improve the room changing window is coming.
In fact, for buyers who already have home ownership experience and improved self-occupation needs, choosing high-quality projects is always worried about the wrong time. At present, the sledgehammer of interest rate reduction has fallen, so for customers who improve the Beijing market, it has already ushered in the best window period for changing houses:
On the one hand, due to special circumstances, governments and international organizations have set off an epic stimulus frenzy, and the era of global water release has begun. Improved home buyers are more inclined to exchange their money and old assets for more livable and more value-preserved real estate assets, which is not only the guardian of asset improvement and value-preservation, but also the improvement and appreciation of life.
On the other hand, the stock and potential supply of villas in the market are getting less and less, but the demand for improvement is increasing. Especially with the release of the strictest "villa purchase restriction order" in history and the tightening of policies such as suspending villa approval, the floor area ratio is getting higher and higher, the possibility of villa products is getting lower and lower, and the cost of replacement in the future is getting higher and higher.
Cost-effective achievement-Zhang Zhengui's improvement "house exchange ticket"
There is a need for improvement, but the assets in hand are only about10 million, and it has been impossible to improve villa products in the past. For property buyers, the Lotus Pond Rui project located on the shore of Jinhai Lake in Beijing has opened the last window for them to improve their home ownership: the total price of the Lotus Pond Rui single-family villa products is 5 million yuan, and the unit price is less than 6.5438+0.7 million yuan/m 2. Looking at the whole of Beijing, it is hard to see such a bottom-up unit price again.
The products of Lotus Pond Ruizhu Tree Garden are composed of two viewing floors, social living space and leisure interesting space, with private master bedroom suite, sunshine elderly room and independent children's living space, meeting all the functional needs of three generations. In the garden that entered the house independently in the south, the ceremony of returning home first and then entering the house made people have a unique yearning for the lakeside villa. Outside the courtyard, there is a panoramic view of the 10,000-mu Jinhai Lake, with vast waters, and the architecture and natural landscape complement each other and live in harmony. In the hospital, it is a world of its own. The family planted trees and flowers, fed birds and raised fish, piled stones and scenery, and enjoyed the beautiful scenery of nature.
(With Tang Rui, overlapping courtyard renderings)
For property buyers, the interest rate cut on April 20 is only the beginning. If you want to change rooms recently, this is the best time. In April, Longhu, Beijing launched the theme activity of "Unbridled New Life", and Tang Rui benefited Beijing with "66 yuan reaches 500,000". This may be the last window for the middle-class elite to achieve the exquisite upgrade of the whole family lakeside in one step. For more details, please pay attention to the details of "He Zhu" in U Enjoy Home in Longhu, Beijing or call 0 10-65708888.