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Puyang decoration company which discount more, and these secrets you know?

 Puyang decoration company which discount more, and these secrets you know?
 Decoration Strategy Forum

"Which Puyang decoration company has more discounts"

The interest rate of the first set of housing loans of many banks has dropped again. In addition to the first set of mortgage interest rates of four major banks and a small number of joint-stock banks, most banks in the region have reduced the floating interest rate of housing loans to single digits, and the lending speed has also accelerated. So, what is the impact of the housing loan interest rate cut on buyers? Is the property market beginning to pick up?

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The interest rate of the first set of housing loan showed a downward trend

On March 4, some banks in the region cut the first set of mortgage rates. According to the latest monitoring data released by rong360 that night, there were indeed many banks in the region to cut the first and second set of loan interest rates. Among them, the interest rates of CITIC and Guangfa for the first and second set of housing loans in the region rose by 10% and 15% before, and are now reduced to 8% and 12% respectively.

On March 5, it was reported that the postal savings bank had made it clear that the interest rate of the first set of housing loans would be reduced to the benchmark interest rate, and the interest rate of the second set would be reduced to the benchmark interest rate and floated by 7% and 11% respectively.

On March 7, it was reported in the media that bocom lowered the interest rate of the first mortgage to 5% from the previous benchmark of 10%. Previously, the branch of postal savings bank lowered the interest rate of the first set of housing loans to "7% of the benchmark rise", the lowest among the six state-owned banks, but it was only one day later that it was refreshed by Bank of communications.

According to the latest data, most banks in the region have reduced the upward floating rate of mortgage loans to single digits, except that the interest rates of the first set of mortgage loans of the four major banks and a small number of joint-stock banks have kept the benchmark upward by 10%.

In addition to the decline in loan interest rates, lending time is also getting faster and faster. At present, the four major banks still implement the previous interest rate standard in the region, with the first benchmark floating 10% and the second benchmark rising by 15%. It is not clear whether there is an adjustment plan in the next step. However, the personal loan managers of several sub branches said that the lending speed has been accelerated compared with that before the Spring Festival, so there is no need to wait.

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Reducing mortgage rates is just icing on the cake

For this wave of loose mortgage rates, industry insiders generally believe that under the background of loose funds, banks attract high-quality customers by reducing mortgage interest rates.

What is the impact of the fall in mortgage rates on the property market? Yujiaxiong, managing director of the Central Plains secondary market, believes that mortgage interest rates may continue to be loose in the first half of the year, but how the second half of the year still depends on the degree of regulation and control. For the real estate market which has shown signs of recovery recently, the reduction of mortgage interest rate in the short term will indeed have a certain promoting effect, but the real determinant of the trend of the real estate market lies in the market demand, and the relaxation of interest rate is not the main reason, but more "icing on the cake".

Zhang Dawei, chief analyst of Zhongyuan Real estate, also said that under the background of loose market funds, the decline of mortgage interest rate is a major trend, and it started in the second half of last year. However, the key to determine whether the real estate market can recover or not depends on the down payment ratio and the identification standard of the first house loan.

"Which Puyang decoration company has more discounts"

Decoration information network

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