Recently, discussions on interest rates when buying a house once again attracted widespread attention in the market. The industry believes that judging from the current market situation, there is a certain possibility that this policy will be introduced. Subsidizing interest on home purchase loans through financial resources can achieve a similar effect of cutting interest rates without directly reducing bank net interest spreads, and ease the current operating pressure on banks where net interest spreads continue to narrow. Drawing on the previous successful model of financial interest-rate consumer loans, it is expected that a “tripartite win-win” between finance, banks, and home buyers will be achieved. In fact, since the end of 2023, many places have piloted a “housing purchase interest rate discount” policy to reduce the cost of buying a home through tiered subsidies or interest rates according to the loan ratio. Short-term data shows that after the implementation of policies in some cities, new housing transactions increased by more than 15% month-on-month.

Recently, discussions on interest rates when buying a house once again attracted widespread attention in the market. The industry believes that judging from the current market situation, there is a certain possibility that this policy will be introduced. Subsidizing interest on home purchase loans through financial resources can achieve a similar effect of cutting interest rates without directly reducing bank net interest spreads, and ease the current operating pressure on banks where net interest spreads continue to narrow. Drawing on the previous successful model of financial interest-rate consumer loans, it is expected that a “tripartite win-win” between finance, banks, and home buyers will be achieved. In fact, since the end of 2023, many places have piloted a “housing purchase interest rate discount” policy to reduce the cost of buying a home through tiered subsidies or interest rates according to the loan ratio. Short-term data shows that after the implementation of policies in some cities, new housing transactions increased by more than 15% month-on-month.