The housing problem has always been an important topic of national concern. The data shows that in July 2022, the interest rate of the first home purchase loan in many cities across the country actually accounted for 4.35%, and the interest rate of the second home loan was only 5.07%. This mortgage interest rate is the lowest since 20 19, which makes many residents who want to buy a house seem to see the low tide of the market, but the low mortgage interest rate will also have a lot of impact on housing demand.

First of all, the decline in mortgage interest rate will have a dramatic impact on the capital market, because both the loan interest rate of the first suite and the five-year LPR have a super stimulating effect on real estate and will cause great market speculation. Especially for some real estate listed companies, the promulgation of real estate-related policies has ushered in a turning point. For real estate companies that may have a mine explosion or have exploded, it is still unknown whether they can laugh at the end. But there is still the possibility of speculation in the house. After all, as a long-term asset, a house is undoubtedly a good medicine for residents, and owning a house is like owning a new world for farmers. After the promulgation of the policy, the impact on the capital market will definitely involve housing demand, and then there will be many unfinished buildings.

In addition, such a policy also has a very negative impact on the real estate sales market, especially since July of 20021,the house sales process has been in a negative growth trend, and affected by the epidemic, such a decline is still increasing, even reaching 30%. Such a huge fluctuation, if you can seize the right time to buy a house, can be said to have a foolproof effect, so that you can buy peace of mind to buy peace of mind.

Finally, the decline in mortgage interest rates is undoubtedly a serious blow to some people who are still paying their mortgages. After all, the decline in mortgage interest rates will make houses less and less valuable, which is a worse measure for some people who buy houses at high prices. At the same price, there is a big difference in the area between the house bought five years ago and the house bought in 2022, which will cause the psychological imbalance of the borrowers and then there will be a big gap in the demand for housing. Over time, they will lose confidence in the real estate industry and there will be no demand for housing. Therefore, the decline in mortgage interest rates still needs to be cautious to avoid different people being hit by different blows, and then there will be a real estate bubble, which will bring a blow to the national economy.