The epidemic is ruthless and affectionate! The new regulations of the property market started, and the welfare of house slaves came.

Recent events are worrying. Experts advise everyone to stay at home and reduce outdoor activities, which has also aroused people's new understanding of home. Housing, as the carrier of home, has always been the object that everyone is eager to pursue. The number of houses you own can even represent your social status and the success or failure of your marriage. This is why people are addicted to buying a house. So, what new regulations have been launched in the property market?

1. What new regulations have been launched in the property market?

A few days ago, the China Banking and Insurance Regulatory Commission issued new regulations specifically for those who are repaying their mortgages. The notice pointed out: for those who have temporarily lost their source of income in the near future, they should be appropriately inclined in the credit policy, flexibly adjust the repayment arrangements of personal credit such as housing mortgage and credit funds, and reasonably postpone the repayment period.

1, the mortgage and monthly payment are appropriately postponed, so there is no need to pay them back in a hurry.

Take ICBC as an example. The customer service said that if it is unable to repay due to special circumstances and has no income source for the time being, it needs to submit an application to ICBC after the full resumption of work on February 10. After approval, it will not be considered as a breach of contract. As for ABC, it is understood that it is a customer who has temporarily lost its source of income due to the impact. The repayment time can be reasonably adjusted and delayed. Not included in the default list, no penalty interest is calculated.

For CCB, you can apply for an extension of 1 month or several months, depending on the verification by the loan center. China Bank can apply to extend its mortgage loan for six months, and other banks such as Industrial Bank, Ping An Bank and Postal Bank also provide similar services.

Banks can be said to be the biggest creditors of homeowners. At present, there are about 60 million commercial loans in China, that is to say, 60 million homeowners collectively allow mortgage extension this time, which is a response to the most concerned issues. If your income has fallen sharply recently and it is difficult to repay your mortgage, you may wish to ask the repayment bank to see how the extension conditions are stipulated.

2, 20 city mortgage interest rates fell.

The data shows that the average interest rate of the first home loan in China was 5.5 1% in May 438+10, down from the previous month and up by 7 1BP. LPR； to five years; The average interest rate of the second home loan was 5.82%, down by 2BP from the previous month, and the five-year LPR increased by 102BP. In the same month, the interest rate of the first home loan in 20 cities was lowered month-on-month, and all four first-tier cities fell.

Although the overall level of mortgage interest rate has not dropped much, the interest rates in 20 cities have dropped, which is enough to show that the cost of buying a house is cheaper than last year.

Judging from the latest national average mortgage interest rate, although the interest rates of the first suite and the second suite are still running at a high level, it is obvious that because of the sudden freezing of the real estate industry recently, banks have gradually lowered the mortgage interest rate as a buffer to cope with the market downturn.

3. Now banks and cities are responding to the policies of the CBRC, which means that they will tide over the difficulties.

After all, the real estate industry involves a wide range, from raw materials and reinforced concrete in the upstream to construction, subcontractors, furniture sellers and home appliance sellers in the middle and lower reaches, and then to the tertiary industry such as finance, media services, Internet and property management. How many people have to rely on real estate to make a living.

So many industries rely on real estate, and real estate depends on hundreds of millions of buyers, homeowners and just-needed families.

Although the property market gave everyone a fright at first, life will continue, and all walks of life will operate normally after the storm, so will real estate.

Second, how to decorate the most economical?

1, choose the right decoration company

In order to ensure the high-quality decoration effect, it is very necessary to choose a regular home improvement company. If you find an immature company, not only can you not save money, but you may incur more expenses because of some mistakes. Therefore, when choosing a company, you can listen to the experience of others and choose a company with good reputation.

2. Make a budget before renovation.

Because in the construction process, due to the massive consumption of various building materials and soft-packed products, for some wage earners, we must be prepared to be careful, make good use of every penny and make a good decoration budget in advance.

3. Shop around.

Because building materials are the most used items in the whole construction process, we must shop around, not only in the big building materials market, but also in the small building materials market, and of course we must bargain more, so as to buy good and cheap things.

4. Avoid decoration in peak season.

If you dress up with a small holiday like May 1 or 11, the cost is relatively high, but it does not rule out that some formal decoration companies do preferential activities, which can also leave a lot of expenses for wage earners.