Theoretically, the adjustment of the lower interest rate limit in the real estate market can reduce the capital cost of just-needed and improved housing, thus stimulating the purchase demand. Under the premise of adhering to the fixed position of "living and living", local governments are given more autonomy.
In view of the actual situation, this adjustment is mainly to promote the competition among banks for the first home mortgage by breaking the lower limit of interest rate, so as to promote the downward trend of the first home mortgage interest rate. Generally speaking, the policy guides the interest rate of the first suite to decline slightly, reducing the mortgage pressure of the first suite users. After the introduction of this policy, banks will appropriately adjust the interest rate of the first suite according to their own actual conditions such as the cost of capital.
Can I get a new loan after the interest rate is lowered?
First of all, banks don't support re-mortgage, even if you pay the full amount, you can't directly convert it into mortgage. At this time, you can choose to pay off the remaining mortgage first, and then make a mortgage loan.
If you pay off your mortgage and mortgage your house to a bank loan, you can choose more repayment methods and lower interest rates, and you can also extend the repayment period, which is really cost-effective. Moreover, at present, the annualized interest rate of variance mortgage loan can be as low as 3.4, which is hard to make people unmoved.
However, this operation does not use the owner. If you confirm that you want to apply for a mortgage, see if you have a business license and a business entity, because low-interest mortgages are all business mortgages.
If you don't run a physical business, the materials for applying for a loan are packaged by unreliable institutions, and it is naturally possible to be required by the bank to repay in advance. Although this probability is small, it does exist. For ordinary people, it is honest to repay the mortgage. Although the interest rate is a little high, his life is long and stable.