公积金新政落地 购房成本下降 房地产市场影响几何

Core Viewpoint - The People's Bank of China has officially lowered the personal housing provident fund loan interest rate by 0.25 percentage points, which is expected to influence the loan market quotation rate (LPR) to decrease by 0.1 percentage points, potentially impacting the real estate market significantly [1] Group 1: Interest Rate Changes - The personal housing provident fund loan interest rate has been reduced by 0.25 percentage points [1] - The 7-day reverse repurchase operation rate has been lowered by 0.1 percentage points [1] - The expected decrease in LPR is approximately 0.1 percentage points [1] Group 2: Impact on Real Estate Market - The interest rate cut is anticipated to affect the monthly mortgage payments for homebuyers, as illustrated by a case in Beijing's Daxing District [1] - A specific example involves a homebuyer considering a property priced at approximately 6.41 million yuan, with a loan amount of about 5.13 million yuan after a 20% down payment [1]