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.

cls.cnSep 5 07:43 ET

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.

cls.cnSep 4 02:23 ET

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".

cls.cnSep 2 20:15 ET

Shanghai real estate market welcomes transformation as the "7090 policy" fades out of the historical stage.

①The supply side of the Shanghai real estate market is undergoing another transformation, and the long-standing '7090 policy' for new houses will fade into history. ②After the new policy, the standard building area for small-sized houses in multi-story, small high-rise, and high-rise buildings in Shanghai will be adjusted to 100 square meters, 110 square meters, and 120 square meters respectively.

cls.cnAug 27 09:10 ET

Housing retirement funds have stirred up a thousand waves, with a total of over a trillion yuan accumulated for residential special maintenance funds over 20 years. Banks say the overall utilization rate of special funds is not high.

①The focus of the pilot is for the government to establish public accounts, which do not require lbx pharmacy chain joint stock to contribute money; ②Several institutions have indicated that they have not yet received information regarding the reform of the housing retirement pension system and maintenance fund; ③In the past 20 years, when new houses were delivered, they were required to pay a maintenance fund. Each house has a special account in the banks, and the funds are rolled over based on current deposits, usually initiated by the owners.

cls.cnAug 26 05:31 ET

Hang Lung Group Goes Ex Dividend Tomorrow

Seeking AlphaAug 14 15:59 ET