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Bazhong decoration company decoration quotation, don't look at it again, just this one!

 Bazhong decoration company decoration quotation, don't look at it again, just this one!
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"Decoration quotation of Bazhong decoration company"

Recently, many banks have quietly lowered the interest rate of housing loans. According to the monitoring data of rong360, in February 2019, the average interest rate of the first house loan in China dropped for three consecutive months, and Beijing, Shanghai, Guangzhou, Shenzhen and other first tier cities all ranked in the top ten cities with the lowest interest rate for the first set of housing loans. Some people believe that this will usher in the property market. But in the view of experts, the first set of mortgage interest rate correction has limited impact on the property market.

The average interest rate of the first mortgage fell for three consecutive months

According to the monitoring data of rong360, in February 2019, the average interest rate of the first house loan in China was 5.63%, down 0.53% month on month. Among 533 banks in 35 cities across the country, the average interest rate of the first house loan of two banks (branches) increased by 14 compared with the previous month; The average interest rate of the first house loan of 44 banks (branches) decreased, 10 more than that of last month.

In addition, the above monitoring data show that Shanghai, Beijing, Guangzhou and other first tier cities ranked first, fourth, fifth and tenth among the top ten cities with the lowest average interest rate of the first house loan in February 2019. Among them, 6 consecutive jumpers made it into the top 10.

Since this year, Beijing, Hangzhou and other underground mortgage rates have been reported frequently. According to the monitoring data of rong360, after the first house loan interest rate of 7 cities decreased in January, the first house loan interest rate of 10 cities decreased in February, of which Nanjing dropped the most, reaching 20 basis points; Secondly, and Nanning, both 11 basis points.

Will house prices go up? Experts say the impact on the property market is limited

Several cities have cut mortgage interest rates, adding to the previous policy loosening of settlement in many places and the central bank's decision to reduce the RRR in early January. Some netizens said, "and to the real estate hit a shot in the arm.". Even some netizens speculated that house prices would still rise. Is that true?

In this regard, many experts hold the same view: the impact is limited.

Zhang Hongwei, director of Tongce Research Institute, said that for the first and second tier cities, the fine adjustment of mortgage interest rate and the release of favorable policies are still the keynote of high house prices, which has little impact on the property market. At present, the pressure of real estate enterprises in the first and second tier cities is still difficult to ease.

Hu Jinghui, chairman of the China real estate brokerage Association, shares the same view. He believes that the bank's reduction of the interest rate of the first set of housing loans is based on the background of low transaction volume in the property market and strong wait-and-see mood of house buyers, which will promote the increase of transaction volume to a certain extent, but the impact is limited and will not boost the rise of house prices.

As for the future trend of the property market, Zhang Dawei, chief analyst of Zhongyuan Real estate, pointed out that from the perspective of policy expectations, the current trend of increasing the regulation and control policies of the real estate market around the country continues. Under the tight credit, it is inevitable that the property market will be stable.

At the policy level, at the end of 2018, the central economic work conference pointed out that it is necessary to build a long-term mechanism for the healthy development of the real estate market, and adhere to the positioning that the house is for living, not for speculation. Since then, the Ministry of housing and urban rural development held a national work conference on housing and urban and rural development. The meeting proposed ten aspects of work to be focused on in 2019. The first is to stabilize land prices, stabilize house prices and stabilize expectations, so as to promote the stable and healthy development of the real estate market.

Recently, Wang Zhaoxing, vice chairman of the China Banking and Insurance Regulatory Commission (CIRC), also spoke on real estate, listing real estate finance as a key area of risk prevention this year. Wang Zhaoxing said that it will further strengthen the monitoring of real estate loans, guarantee the basic needs of housing loans, strictly control speculative real estate loans, and prevent funds from entering the real estate market through shadow banking channels.

"Decoration quotation of Bazhong decoration company"

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