Because the factors that affect the mortgage interest rate are diversified, such as whether the house to be purchased is the first suite or the second suite, the current housing market situation in the city will have an impact on the mortgage interest rate, so the signed contract is the main one.
Will the mortgage interest rate be adjusted automatically? Whether the mortgage interest rate will be lowered depends on the current market factors. For example, China just lifted the blockade of the epidemic not long ago, and some news favorable to the real estate market has been released one after another, such as changing housing loans to floating interest rates. The current mortgage interest rate is actually much lower than before. The interest rate of the first home loan in some cities has dropped to 4. 1%, but not everyone can enjoy the lower interest rate. According to your own qualifications, you can pay a part of the down payment appropriately, so that the interest can also be reduced after the application amount is reduced.
Does the change in mortgage interest rate have an impact on people who have already bought a house? In fact, the change of mortgage interest rate has no particularly great influence on the house that has been purchased before. The main impact is the tenants who have not yet applied for real estate licenses. Because they haven't handled the transfer, the actual property owner hasn't changed.
The above is the relevant answer about why the mortgage interest rate is 49 and why buying a house is 58. 4.9% is actually the benchmark interest rate, not everyone can enjoy the benchmark interest rate, and most cities are adjusting the mortgage interest rate independently.