According to media reports, recently some commercial banks in Beijing, Shanghai, Guangzhou and other cities to implement on eligible individuals of the first set of housing loan interest rate discounts. Does this mean that the national market regulation policy be relaxed?

“view from the real estate policy, or policies of local governments soft prop up the market, a died a point of view, the 2012 housing macro-control policies to change is impossible.” CASS Institute of Finance The researcher Yixianrong China Youth Daily reporter said.

central government stressed that price control does not relax at the same time, also raised the demand for loans to meet first-time home buyers home, the Ministry of Housing and Urban also the end of last year, said differential housing credit policy must be strictly implemented in February this year, the central bank this year continue to implement the differential housing credit policy to support the ordinary commodity housing construction to meet the demand for loans for first-time home buyers family. “Kwok-keung, vice president of the China Real Estate Association, said the China Youth Daily reporter.

the National Development and Reform Commission Deputy Secretary-General spokesman Lee Park China to accept the Chinese government in March 7 this year, Xinhua said in a joint interview this year to improve the residents to purchase from the first set live in an ordinary commodity housing loans of preferential policies to support reasonable demand for the purchase of the residents.

Mr Chan believes that the recent local bankers to restart the first mortgage interest rates of preferential housing loans, “Differentiation” the embodiment of the policy, while the banks are also follow the market to adjust interest rates according to changes in market and credit environment, to maintain the mortgage business.

the launch of the first set of home buyers preferential interest rates, in addition to the possibility of housing credit, “differentiation” policy related to the bank for any practical considerations? Yixianrong banks on the one hand through preferential policies to drive up sales is not busy market, on the other hand is used to occupy the size of the loan market “.

“At present prices come down significantly pre-price control policy has a certain outcome. now buy tax cuts and interest rate concessions for young people to buy the first suite of favorable first mortgage prime rate is expected to further popularize “I love my family, group vice president Hu Jinghui, China Youth Daily reporter said.

Yixianrong the face of the preferential interest rates, home buyers still have to carefully and not blindly follow the trend to make their own judgments. He believes that the current around the price of the housing market still in decline, buyers in addition depends on the loan interest rate, but also to observe the trend of house prices and the principal changes, “compared to the decline in housing prices and the principal fell, the loan interest rate discounts is negligible, and may not be able to truly reduce the cost of purchase, and that “the purchase of housing loan interest rate is a floating interest rate, it is one year with the market and policy changes certain”.

Chan Kwok-keung, said first set of mortgage interest rate concessions for the purchase of a “rigid demand” attractive, “But individual circumstances vary widely, whether ‘the stock market’ or to combine real-world conditions.