What impact will the central bank's "four 🚀arrows" have on citizens?
Mortgage interest rates hit record lows! !
The policies aimed at stimulating the economy and alleviating the burden on residents are "four arrows":
1. Lower existing mortgage interest rates, with an average decrease expected to be 0.5 percentage points.
2. Unify the down payment ratio of mortgage loans, and the minimum down payment for second home loans is reduced from 25% to 15%, reaching a historical low.
3. Lower the policy interest rate, and the 7-day reverse repurchase operation interest rate is reduced by 0.02 percentage points to 1.5%.
4. Reduce RRR by 0.5 percentage points
"Four arrows fired at the same time", comprehensive relaxation of monetary policy.
First, for ordinary people, the reduction in mortgage interest rates means that families who are repaying their loans will enjoy a significant burden reduction effect.
Second, the threshold for home purchase has been lowered. The minimum down payment ratio for second homes has been adjusted to the national uniform 15%. The down payment standards for first and second homes have been unified, providing greater financial flexibility for home buyers.
Third, for story investors, the China Securities Regulatory Commission is preparing to introduce policies to attract more medium and long-term investor funds to enter the market. By optimizing the investment environment, extending the assessment cycle, improving relevant regulations and other measures, we will encourage long-term investment and increase the attractiveness and appeal of the capital market. stability.