百万房贷利息较高峰减半，2字头利率让观望买家“动心”

Core Viewpoint - The recent reduction in housing loan interest rates, driven by central bank policies, significantly alleviates the financial burden on homebuyers, making it an opportune time for potential buyers to consider purchasing homes [2][11]. Group 1: Policy Changes - The central bank announced a reduction in the personal housing provident fund loan interest rate by 0.25 percentage points, bringing the rate for first-time homebuyers over five years down to 2.6% [3][4]. - Major cities, including Beijing, Shenzhen, and Guangzhou, have followed suit in lowering their housing provident fund loan rates, enhancing the affordability for homebuyers [5][6]. Group 2: Impact on Loan Costs - For a property priced at 3 million, the interest rate for the first-time homebuyer loan has decreased from 5.74% in 2021 to 3.01%, resulting in a reduction of total interest payments by half and a nearly 30% decrease in monthly payments [11][12]. - The average interest rate for new commercial housing loans is expected to drop to around 3.01%, with a potential total repayment reduction of approximately 20,000 yuan for a 1 million yuan loan over 30 years [9][11]. Group 3: Market Sentiment - The declining interest rates have positively influenced buyer confidence, with many perceiving the current market as a favorable time to purchase homes [12]. - Despite the lower rates, buyers are adopting a more rational approach, weighing their financial capabilities against potential future price trends before making purchasing decisions [12].