The first one is special deduction. If you are buying your first home, you can apply for a patent deduction at the standard of 1,000 yuan per month, which can reduce the interest of 240,000 yuan. However, the maximum deduction period cannot exceed 20 years. This is especially true for those who have already bought a house or are about to buy their first home. For those who live in suites, this is undoubtedly very good news.
The second one is the housing purchase subsidy. Since June this year, 14 regions across the country have launched talent introduction plans. If you are an undergraduate, you can get a monthly subsidy of 1,500 yuan, and the subsidy for those with the highest academic qualifications can reach 3 million yuan. In addition, if you are a high-end talent recognized by the local area, you can receive a subsidy of more than 5 million yuan.
Third, mortgage interest rates are going to be lowered. Since 2020, first-home loan interest rates have dropped for six consecutive years. If a homeowner buys a house at this time, compared with the previous months, a 1 million, 30-year mortgage can save 177,000 yuan in interest. This is equivalent to reducing the monthly payment by more than 500 yuan per month. The fourth is that the country has launched a large number of affordable housing. So far, the number of various affordable housing units launched by the country has reached 35 million units, so it is really good news for the houseless people who have financial difficulties. We can enjoy affordable housing without spending too much money. A house with the same supporting facilities and living quality as a residence.
Perhaps many people are still thinking that the current real estate bubble is so big, wouldn’t it be more cost-effective to wait until the bubble bursts before buying a house? In fact, there is a lot of uncertainty about this. The country will not let the real estate bubble burst easily, and some people who just need to buy a house cannot afford to wait. Therefore, the country has introduced appropriate assistance policies for those who just need to buy a house. Very good. I believe that with the help of the country’s continuous regulation and various policies, the pressure on homeowners to buy a house will become less and less in the future.
In the past few years, because real estate was in a dividend period, real estate speculators and developers made a lot of money in the past, because the location of the house was linked to children’s education, retirement, etc. , so houses have always been the "top priority" in the minds of ordinary people. Now the house prices in many cities have reached tens of thousands per square meter. This is a huge expense for ordinary working families. Even if they only need to pay a down payment, in In the days to come, the pressure on mortgage loans will also be very great. Some people say that people should be happy while living and not be constrained by these mortgages and car loans.