网传！房贷贴息真要来了！

Group 1 - The core viewpoint of the article is that there is a significant shift in the real estate market, with discussions around mortgage interest subsidies gaining traction as a potential nationwide policy to support the housing sector [1][3] - The proposed measures include nationwide personal housing loan interest subsidies, an increase in the special additional deduction for housing loan interest from 1,000 yuan to 2,000 yuan per month, and a reduction in transaction taxes related to housing sales [1][3] - These measures aim to reduce the financial burden across the entire "buying-loaning-holding" chain, signaling a comprehensive approach rather than isolated stimuli [3] Group 2 - The potential impact of mortgage interest subsidies is substantial, as they would lower the cost of funds, making home purchases more accessible and potentially increasing transaction activity in the market [3][4] - According to estimates, if the average down payment ratio is 50%, the loan scale could reach approximately 7 trillion yuan, and a 1% subsidy could result in a subsidy scale close to 700 billion yuan [4][5] - For an individual borrower with a loan of 2 million yuan over 30 years at an interest rate of 3.1%, a 1% subsidy could reduce monthly payments by about 1,048 yuan, equating to an annual savings of approximately 12,570 yuan [6][7] Group 3 - Local markets have begun to take proactive measures, with some properties in Guangzhou offering mortgage subsidy promotions, providing 1,000 yuan per month for 30 years, totaling a maximum subsidy of 360,000 yuan per unit [9] - Price adjustments in Guangzhou have also been noted, with significant reductions in property prices, indicating a strategic move to stimulate market interest [10] - The luxury property market in Shanghai continues to lead, with a notable percentage of high-value transactions, suggesting that if supportive policies are implemented, confidence in the real estate market could strengthen, particularly in the luxury segment [12][13]