On February 5 this year, the central bank decided to cut the RMB deposit reserve ratio of financial institutions by 0.5 percentage points. On April 20th, only two months have elapsed since the last RRR cut. The central bank once again announced a RRR cut. The RRR cut is 1% higher than that in February. This is for many homebuyers who are going to buy a house. Undoubtedly good news. Coupled with the "3.30" New Deal, the interest rate on mortgage loans is expected to increase. In the case that a number of mortgage policies are frequently favorable, buyers' demand for home purchases may be further released, and market expectations may change.

The RRR cut is to lower the bank reserve ratio. SouFun network room Tianjin second-hand housing thinks that the popular point, for example, the bank has 100 yuan, if the original reserve ratio is 10%, it means that the bank must leave at least 10% of 100 or 10 yuan in the bank. After a RRR cut, 10% became 9%. There were 90 yuan of money in the market, and the market now has 91 yuan of currency.

Banks are downgraded, releasing the liquidity of money, and loans are relatively easy to lend.

The impact of the central bank's RRR cut on housing companies:

The loosening of credit and the increase in the property market have increased, especially for some developers with relatively tight funds, which can enhance the liquidity of funds and help the housing enterprises to have difficult time in the past. According to statistics, the RMB balance in March was 124,089 trillion yuan, and the 1% reserve ratio was equivalent to the release of 1.2 trillion yuan.

The RRR cut is not only for real estate, but the RRR cut will provide liquidity incentives for the entire industry. The growth of brokers will also drive the development of the real estate economy.

The impact of the central bank's RRR cuts on home buyers:

For homebuyers, as the central bank lowers the bank's disposable money, it will be easier for buyers to apply for loans and the conditions will be more relaxed. On the other hand, the interest rate discount on mortgage loans will be even greater, and the monthly repayment amount of home buyers will also decrease accordingly.

For the second-hand housing in Tianjin, although the bargaining space is larger than the new house, with the introduction of a series of favorable policies, the sellers will be moved by the wind, and there will be a phenomenon of second-hand housing price increases. Therefore, just after the introduction of the RRR cut, this is an unprecedented opportunity to buy a house, which makes it easier to apply for a loan and enjoy discounted interest rates.

The article was compiled by Suzhou Furniture Editor. Cooperation source: Tianjin second-hand housing

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