一揽子金融政策对楼市影响几何？800万房子利息可省18.4万

Core Insights - The People's Bank of China announced a series of financial measures aimed at stabilizing market expectations, including a 0.5 percentage point reduction in the reserve requirement ratio, which is expected to provide approximately 1 trillion yuan in long-term liquidity [1] - The measures also include a reduction in the personal housing provident fund loan interest rate by 0.25 percentage points, lowering the rate for first-time homebuyers on loans over five years from 2.85% to 2.6% [1] - The market is anticipating a potential interest rate cut on May 20, which could further influence mortgage rates and stimulate the housing market [1][3] Financial Measures - The central bank's actions include lowering the 7-day reverse repurchase rate from 1.5% to 1.4%, which is expected to lead to a decrease in the Loan Prime Rate (LPR) by approximately 0.1 percentage points [1] - Additional measures involve optimizing the reserve requirement system, reducing the interest rates on structural monetary policy tools by 0.25 percentage points, and increasing the quotas for various refinancing programs, including 300 billion yuan for technology innovation and 500 billion yuan for consumer services and elderly care [1] Impact on Housing Market - According to research from Le Youjia, the new financial policies are expected to significantly stabilize the housing market and boost consumer confidence, with a projected monthly savings of 510.35 yuan on mortgage payments for an 8 million yuan property under the new rates [3] - The total interest savings over a 30-year loan period could amount to 184,000 yuan, which lowers the transaction threshold for consumers and enhances market expectations [3] - Following the implementation of these policies, there has been a notable increase in both new and second-hand home transaction volumes in Shenzhen, indicating a positive market response [3]