According to estimates by the Leyoujia Research Center, based on a 40-year pure commercial loan for a commercial home with a total price of 8 million yuan in Shenzhen, the monthly salary will be reduced by 4313.47 yuan. The Leyoujia Research Center pointed out that the new policy has significant benefits. For buyers, lengthening the loan period can effectively reduce the pressure on monthly payments, increase the affordability of home purchases, and reduce the entry threshold for immediate and improving groups; for the market, it helps release reasonable housing consumption demand, drive market transaction activity, and promote the steady and healthy development of the real estate market. Regarding the policy clearly extending the maximum period of personal housing loans from 30 to 40 years, Yan Yuejin, deputy director of the Shanghai Yiju Real Estate Research Institute, said that this is a major breakthrough in the field of real estate finance. The most direct effect of extending the period to 40 years is to reduce the monthly principal and interest payable, and significantly ease the pressure on monthly payments in the early stages of buying a home.

According to estimates by the Leyoujia Research Center, based on a 40-year pure commercial loan for a commercial home with a total price of 8 million yuan in Shenzhen, the monthly salary will be reduced by 4313.47 yuan. The Leyoujia Research Center pointed out that the new policy has significant benefits. For buyers, lengthening the loan period can effectively reduce the pressure on monthly payments, increase the affordability of home purchases, and reduce the entry threshold for immediate and improving groups; for the market, it helps release reasonable housing consumption demand, drive market transaction activity, and promote the steady and healthy development of the real estate market. Regarding the policy clearly extending the maximum period of personal housing loans from 30 to 40 years, Yan Yuejin, deputy director of the Shanghai Yiju Real Estate Research Institute, said that this is a major breakthrough in the field of real estate finance. The most direct effect of extending the period to 40 years is to reduce the monthly principal and interest payable, and significantly ease the pressure on monthly payments in the early stages of buying a home.