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tianfeng securities: What is the outlook for the adjustment of existing home loan interest rates?
Tianfeng Securities stated that, considering the latest mortgage policy and interest rate changes this year, there is indeed a possibility of reducing the interest rates on existing home loans. Further considering the actual impact of reducing the interest rates on existing home loans in 2023, it is expected to have a limited negative impact on the bond market.
Is the 80 basis point spread opening the window for reducing existing mortgage rates? How to relieve bank pressure? Experts suggest: adjust in stages to mitigate the impact, and cut deposit rates to hedge the impact.
①In July, the new personal housing loan interest rate is 3.4%, with an interest rate spread of about 80 basis points between existing house loan rates and new ones, and there is a growing call for residents to adjust existing house loan rates. ②Experts suggest adjusting existing mortgage rates gradually in stages to reduce the impact on banks, while controlling bank liability costs through lowering deposit rates and other means to mitigate interest rate spread pressure.
The call for a "rate cut" is getting louder! The real estate sector is heating up again, looking forward to the prosperous "Golden September" season.
Various regions are actively promoting the implementation of the housing 'old for new' policy.
The volume of real estate transactions in Hangzhou has fallen, and the second-hand housing market has ended its continuous 5-month high-volume running trend.
According to the data from ke holdings Research Institute in Hangzhou, 6688 second-hand housing units were signed in August in Hangzhou's ten districts, a decrease of 19.8% compared to July, and an increase of 24.6% compared to August last year; compared to July, the transaction volume of intermediary residences in the whole city declined by 21%. In addition, data from China Index Academy shows that in August, the transaction volume of new commodity residences in Hangzhou was 0.4 million square meters, a decrease of 20% month-on-month, and a decrease of 47.3% year-on-year.
Brokerage morning meeting highlights: real estate continues the off-season market, focusing on the "Golden September and Silver October".
At today's brokerage morning meeting, China International Capital Corporation believes that the current market has more bottom features and limited downside risks; China Securities Co., Ltd. is bullish on the Tesla and top humanoid robot industry chain; HTSC suggests that the real estate market will continue the off-season trend and focus on the "golden September and silver October".
China Real Estate Research Institute: The total land acquisition amount of the top 100 enterprises from January to August was 473.13 billion yuan, a 40.0% decrease compared to the same period last year.
On August 30, the China Real Estate Research Institute issued a document stating that from January to August 2024, the total land acquisition amount of the TOP100 enterprises was 473.13 billion yuan, a 40.0% year-on-year decrease, which further expanded by 2.0 percentage points compared to the decline in January to July.
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