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多个热点城市首付已降至15% 机构称“购房总负担率降至历史最低”

Down payments in several hot cities have dropped to 15%. Agencies say “the total cost of buying a home has fallen to the lowest rate in history”

Breakings ·  May 23 03:00
Currently, more and more cities are implementing the new policy of “reducing the down payment ratio for the first home to 15%”. At the policy briefing held on May 17, Tao Ling, Deputy Governor of the People's Bank of China, said that after optimizing the minimum down payment ratio, the threshold for residents to buy a home can be lowered, which will help boost housing consumption. According to the GF Securities Research Report, the total housing purchase burden rate has dropped to its lowest level in history. The total price of housing remains unchanged (1 million yuan). For restricted cities, the total burden of down payment+loan repayment amount for the first 5 years/30 years dropped from 545,000 yuan in September 2021 to 382,000 yuan in May 2024, with a cumulative decrease of 30%; if mortgage interest rates drop further by 40 basis points, the cumulative decline will reach 32%, and the effect of reducing down payments and interest rates is obvious in increasing purchasing power. (Mainichi Keizai Shimbun)

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