楼市新规来了，21万亿“房贷”迎3大调整，4亿“房奴”有福了？

Core Insights - The article discusses recent adjustments in the housing market, particularly focusing on mortgage rate reductions, conversion policies, and loan extension services, which aim to alleviate the financial burden on homeowners, often referred to as "mortgage slaves" [1][12]. Group 1: Mortgage Rate Adjustments - The average mortgage rate for first-time homebuyers in China has decreased to 3.8% as of July 2025, down 0.5 percentage points from the same period in 2024, marking the lowest level since 2022 [2]. - For a loan of 1 million yuan over 30 years, a reduction from 4.3% to 3.8% results in a monthly payment decrease of approximately 276 yuan, leading to nearly 100,000 yuan in interest savings over the loan term [2]. - Over 20 national banks have further reduced mortgage rates by 0.1 to 0.3 percentage points starting in Q3 2025, indicating a continued trend of decreasing mortgage burdens for borrowers [4]. Group 2: Mortgage Conversion Policies - The China Banking and Insurance Regulatory Commission (CBIRC) has optimized mortgage conversion policies, allowing homeowners to switch from floating to fixed interest rates, providing a safeguard against potential future rate increases [5]. - As of June 2025, approximately 870,000 households have converted their loans, representing 12% of eligible families, successfully locking in lower rates [5]. - A case study of a homeowner who converted her loan from a floating rate of 5.2% to a fixed rate of 3.9% illustrates the benefits of this policy, emphasizing the importance of stability in uncertain financial environments [6]. Group 3: Loan Extension Services - Some banks have introduced loan extension services, allowing borrowers to extend their repayment periods without increasing the total loan amount, thereby reducing monthly payment pressures [6]. - In the first half of 2025, around 420,000 households applied for loan extensions, with an approval rate of 85%, resulting in an average monthly payment reduction of about 30% [6]. - While loan extensions can alleviate immediate financial stress, they may lead to longer repayment periods and increased total interest payments, making them suitable for families expecting future income improvements [7]. Group 4: Recommendations for Homebuyers - Homebuyers are encouraged to negotiate lower interest rates with banks, as approximately 65% of customers who actively sought rate adjustments received some form of reduction [8]. - Evaluating the decision to convert from floating to fixed rates is crucial, considering future interest rate trends and personal financial situations [8]. - Potential homebuyers should closely monitor changes in mortgage policies across different banks, as variations can lead to significant savings on interest payments [9].