The Zhitong Finance App learned that recently, news about the interest rate discount policy for buying a house has attracted widespread attention in the market. The China Index predicts that the total sales of newly built homes and second-hand homes in the country may be around 14 trillion yuan in 2025. Assuming a down payment ratio of 50% (currently the minimum down payment ratio for commercial loans is 15%, the actual level will be too high), and the loan amount is about 7 trillion yuan. If interest rates are discounted by 1%, the interest rate discount amount for incremental loans will be around 70 billion yuan. From the perspective of cost reduction, assuming a loan of 2 million yuan, a 30-year loan, and an interest rate of 3.1%, the monthly repayment amount will be reduced by 1,048 yuan, or 12,570 yuan a year. Overall, interest rate discount policies for home purchases have been implemented in some cities or regions in recent years. If relevant policies are introduced and implemented on a wider scale, they will play an important role in boosting market expectations and unleashing consumption potential, and will also positively support the stable operation of the macroeconomy.

The Zhitong Finance App learned that recently, news about the interest rate discount policy for buying a house has attracted widespread attention in the market. The China Index predicts that the total sales of newly built homes and second-hand homes in the country may be around 14 trillion yuan in 2025. Assuming a down payment ratio of 50% (currently the minimum down payment ratio for commercial loans is 15%, the actual level will be too high), and the loan amount is about 7 trillion yuan. If interest rates are discounted by 1%, the interest rate discount amount for incremental loans will be around 70 billion yuan. From the perspective of cost reduction, assuming a loan of 2 million yuan, a 30-year loan, and an interest rate of 3.1%, the monthly repayment amount will be reduced by 1,048 yuan, or 12,570 yuan a year. Overall, interest rate discount policies for home purchases have been implemented in some cities or regions in recent years. If relevant policies are introduced and implemented on a wider scale, they will play an important role in boosting market expectations and unleashing consumption potential, and will also positively support the stable operation of the macroeconomy.