What is the impact of the decline in lpr loan interest rate on housing prices?

On May 2th, the People's Bank of China authorized the National Interbank Funding Center to announce that the loan market quoted interest rate (LPR) was 3.7% for one year and 4.45% for five years or more.

the one-year LPR was the same as last month, and the LPR over five years decreased by 15 basis points compared with last month. Ren Zeping, an economist, said through social media: "The interest rate of residents' real estate loans will be lowered, with loans of more than five years as the main interest, so as to stabilize the housing market and strive for a soft landing".

"Greatly boost market confidence"

In May, the interest rates of mainstream first home loans and second home loans in 13 key cities monitored by RealData were 4.91% and 5.32%, respectively, down 26 basis points and 13 basis points from last month, hitting a new low since 219; The average lending period this month is 29 days, which is the same as last month.

on the other hand, household loans decreased by 217 billion yuan in April, a year-on-year decrease of 745.3 billion yuan. After the reduction in February this year, household loans decreased again during the year.

the downward adjustment of p>LPR will reduce the mortgage burden to some extent. Taking RealData as an example, if the commercial loan amount is 3 million yuan, the loan is 3 years, and the principal and interest are repaid in equal amount, the LPR will be reduced by 15 basis points, and the existing loan customers can save more than 3, yuan in mortgage loans every year; For new borrowers, considering the lower limit of the first home loan interest rate, it can be lowered by 2 basis points on the basis of LPR, that is, the maximum interest rate cut is 35 basis points compared with that in April, and the annual mortgage savings repayment amount is about 7,5 yuan.

in fact, the LPR level has been at a low level before.

before that, both the 1-year LPR and the 5-year LPR had a downward trend. Since April 22, the one-year LPR is 3.85% and the five-year LPR is 4.65%. This interest rate level has been maintained until November 221.

in December p>221, the one-year LPR was lowered to 3.8%, and the five-year LPR was maintained at 4.65%. In January 223, the interest rate of one-year LPR will continue to be lowered to 3.7% and the interest rate of five-year LPR will be lowered to 4.6%.

"The supporting policies are expected to be further optimized"

On May 13th, the relevant person in charge of the People's Bank of China said in official website, the People's Bank of China, that the next step of policy "will put steady growth in a more prominent position, strengthen the implementation of prudent monetary policy, give full play to the dual functions of monetary policy tools in aggregate and structure, speed up the implementation of policies and measures that have been introduced, actively plan incremental policy tools, and support economic operation in a reasonable range."

Subsequently, on May 15th, the People's Bank of China and China Banking and Insurance Regulatory Commission informed that the lower limit of the interest rate of the first commercial personal housing loan was adjusted to be no less than the quoted interest rate of the loan market for the corresponding period minus 2 basis points, that is, the lowest interest rate of the first home loan was 4.4%.

since then, the interest rate of the first suite has been lowered. According to the statistics of RealData, as of May 18th, the interest rate of the mainstream first home loan implemented in 11 cities including Tianjin, Qingdao, Jinan, Zhengzhou, Linyi and Mianyang has dropped to 4.4%, which has increased the support for the first suite. Among the 13 key cities, the interest rate of second-home loans in more than 6 cities is at 5.2%.

Liu said: "The LPR for five years or more dropped to 4.45%, the lower limit of the first home loan interest rate was adjusted to 4.25%, and the lower limit of the second home loan interest rate was reduced to 5.5%. After that, banks will have more room to cut interest rates on both the first home loan and the second home loan to support housing demand, further promote the growth of market transactions and speed up market repair. Real estate will play a more active and important role in steady growth. "

Chen Wenjing believes that the supporting policies in the future are expected to be further optimized: "The supporting policies of * * * all localities are expected to be further optimized, such as the standards for housing identification and housing loan recognition. Previously, the adjustment of the lower limit of the first home loan interest rate was only for ordinary residential buyers. In the future, it is expected that more cities will adjust the general housing standards and optimize the housing and loan recognition standards. The superposition of multiple policies is conducive to amplifying the effect of the interest rate cut in the property market and promoting the healthy development of the real estate market. Q&A: Q&A: Is there any way to collect 3, yuan in a short time?

thank you for inviting me!

is there any way to collect 3 yuan in a short time?

Say a few good ways:

First, learn from Zhao Kuangyin

Zhao Kuangyin, Song Taizu, the founding emperor of the Song Dynasty.

One day, Zhao Kuangyin was walking alone on the road. It was very hot, and when he was thirsty, he saw a watermelon field. The melon watcher was an old man. The old man said that his melon was a penny, and he didn't need money if it wasn't sweet, but Zhao Kuangyin was penniless at this time, but he was very thirsty. At this time, he came up with an idea. He opened a melon and said it was not sweet when he took a bite, then opened another one and said it was not sweet until he was full. The old man saw his intention and said to him, Look at your good looks, how can you do such a dirty thing? If you don't have money, you won't have money. Just tell me directly. Why use such a bad trick? Zhao Kuangyin was very ashamed and promised to repay him in the future. Later, Zhao Kuangyin won the world and gave this melon farmer ten thousand mu of fertile land in return.

After reading this story, I guess an answer to the question should be available.

Second, learn from Qin Qiong

Qin Qiong, the hero in The Legend of Heroes in Sui and Tang Dynasties.

at the end of the sui dynasty, Qin Qiong served in the sui dynasty. Once he received an order from his superior to go to Luzhou to handle affairs. The superior didn't give him enough money, and he himself was a cash-strapped person. Qin Qiong fell ill when he was doing business. All the money he brought was used up. Xiao er asks him for room and meals every day. Qin Qiong was very worried. After all, he didn't have any money on him. I had to sell my favorite BMW. Dan Xiongxin, the rich man, heard that a man from Jinan was coming, so he hurried over. Dan Xiongxin admired Qin Qiong and knew that Qin Qiong was from Jinan. He asked if he knew Qin Qiong. Qin Qiong was so poor at this time that he naturally didn't admit it and told Dan Xiongxin that he and Qin Shubao were good friends. Hearing this, Dan Xiongxin immediately bought the horse at a high price and gave it back to two silks.

After reading this story, it is estimated that another answer to the question should be available.

Third, modern methods

Emperor Zhao used the method of stealing chickens and touching dogs, and the assets used by Qin Hero were realized. What about modern people?

with the development of modern finance, there can be a better way. Such as borrowing money and attracting investment.

of course, if you want to finance in a short time, you have to rely on the reputation accumulated for a long time at ordinary times to make investors admire your value. Lend you money without worrying about your willingness and ability to repay; Investing in you, don't worry about the level of investment dividends and asset safety.

behave yourself, and your reputation is paramount!