重要信号变化！购房成本再降，深圳有楼盘租金回报率跑赢“存银行”！

Core Viewpoint - The recent reduction in Loan Prime Rate (LPR) is expected to lower mortgage costs for homebuyers, potentially revitalizing the real estate market as monthly payment burdens decrease [1][3][5]. Group 1: LPR Reduction Impact - The one-year LPR is now at 3%, and the five-year LPR is at 3.5%, both down by 10 basis points, marking a historical low for the five-year rate [1]. - This reduction is anticipated to push first-time home loan rates into the "2" range, with first-time home loan rates in major cities dropping to approximately 3.05% and around 2.9% in most cities [3]. Group 2: Homebuyer Sentiment - Many homebuyers express that the decrease in monthly payment costs will boost their confidence in purchasing homes, with expectations for further policy optimizations [5]. - In Shenzhen, a loan of 1 million yuan calculated over 30 years will see a monthly payment reduction of about 54.32 yuan, while the average loan amount for second-hand homes is 318 million yuan, leading to a monthly payment decrease of approximately 172.72 yuan and a total interest savings of about 62,200 yuan over 30 years [5]. Group 3: Market Dynamics - The demand in the housing market is primarily driven by first-time buyers and those upgrading their homes, who are sensitive to price and cost changes [5]. - The easing of monthly payment pressures is expected to accelerate potential homebuyer demand, enhancing activity in both new and second-hand housing markets [5]. Group 4: Rental Market Trends - Some properties, particularly low-cost, high-rent business apartments or small second-hand homes, are becoming popular among real estate agents, with rental yields surpassing bank deposit rates [8]. - The increase in rental yields is attributed to a significant drop in property prices compared to smaller declines in rental prices, although a full recovery in the rental market may take time [8]. Group 5: Market Outlook - As of May, the real estate market's activity appears to be cooling, influenced by previous demand surges and the diminishing effects of past market optimization measures [10]. - Recent data indicates a decline in the number of cities with rising new home prices, suggesting a potential weakening in housing price trends for the second quarter [10]. - Continuous policy support is deemed necessary to stabilize the market, with expectations for further implementation of measures focusing on urban village renovations and high-quality housing supply [10].