I think it should not be particularly easy for everyone to buy a house. Friends around me, if they want to buy a house, usually not only say that they want to take out their savings, but also support a lot of money at home. In this case, they can only make a down payment. Then the rest of the mortgage can only be paid with your monthly salary.

But now everyone's income is not very high, especially this year's market is not very good. After we pay off the mortgage every month, there is not much money left. It can't guarantee that our life will remain at a good level. Simply put, it will affect our happiness.

This is why many friends shouted the slogan "escape from the city". I bought a house and I have to decorate it. After you move in, the monthly property fee plus some utilities is a big expense. The more critical problem is that many times when we buy a house, we can't judge whether it is up or down. If it goes up, no problem. If house prices fall, it means that our savings over the years may hit Shui Piao.

So if the central bank cuts interest rates now, what impact will it have on housing prices and our lives?

economic circumstances

As we all know, there are many factors related to the economy, but the first one depends on how much money we have in the market. If specific to the real estate market, there are only two factors that affect the real estate market. The first is the quality of the real economy now, and the second is how much money is on the market now.

First of all, let's recall why our house prices rose at the beginning and why a large number of enterprises turned to invest in real estate. In fact, the main reason is that everyone's funds are idle and eager to find an investment window. And if the central bank cuts interest rates, then for enterprises, reducing the cost of using funds should be beneficial to the development of enterprises.

Real estate market

As we just said, there are too many idle funds in the market, so everyone invests in real estate. At that time, the real estate market had great potential, and there was indeed investment potential. Now, because it is clear that the real estate market may cool down, it is unknown whether idle funds will continue to flow to the real estate market at this time.

And if it will flow to the real estate market, then the profit space of enterprises will be greater, in other words, more profits can be given to consumers.

Buyers themselves

What's good for us ordinary buyers? First of all, if the cost of real estate developers is really reduced after the interest rate cut, it will really increase more income and give real estate developers higher profit space.

Secondly, each of us will use mortgage, and the interest rate cut means that the amount of mortgage we undertake will be reduced compared with before. However, I don't think this is the most important issue. If our house becomes cheaper and the loans are less, but the overall trend of house prices is declining, people will still not buy a house.

Originally, everyone bought a house as a homeowner. In addition to the nature of living, the house itself also has the nature of financial products. And now everyone is actually buying a house in the nature of financial products.