深圳楼市交易门槛降低信心提升 总价800万元房子利息可省18.4万元

Core Viewpoint - The recent financial policy package introduced by the government is expected to significantly stabilize the real estate market and market expectations, enhancing consumer confidence and willingness to engage in property transactions [1] Group 1: Direct Impacts on the Real Estate Market - The reduction in the public housing loan interest rate to 2.6% and commercial loan rate to 3.05% will lower monthly mortgage payments, exemplified by a monthly saving of 510.35 yuan for an 8 million yuan property in Shenzhen, leading to a total interest saving of 184,000 yuan over 30 years [1] - The policy is designed to increase the willingness of potential buyers to enter the market and alleviate the repayment pressure on existing borrowers [1] Group 2: Indirect Impacts on Market Liquidity - The reduction of the reserve requirement ratio by 0.5 percentage points and the decrease in the 7-day reverse repurchase operation rate from 1.5% to 1.4% are expected to enhance market liquidity [1] - These measures are aimed at maintaining and reinforcing the stability of the real estate market [1]