主要观点总结
中国房地产市场观察者周三表示，市场对现有住房贷款利率进一步下降的预期增强。个人购房者贷款利率的持续下降以及新房与二手房贷款利率差距的扩大是主要原因。专家指出，这种情况的转变取决于借款人和贷款机构对新市场动态接受程度，以及相关政策能否将预期转化为现实。此外，央行降低融资成本的努力已见成效，一年期和五年期贷款利率均有所下降，也带动了平均贷款利率的下降。市场人士认为，虽然对现有住房贷款的调整预期合理，但也需要平衡借款人和贷款机构的利益。
关键观点总结
关键观点1: 市场对中国现有住房贷款利率进一步下降的预期增强。
这是基于个人购房者贷款利率持续下降的趋势。
关键观点2: 新房与二手房贷款利率差距的扩大。
这种趋势导致市场对调整现有住房贷款的预期变得更加合理。
关键观点3: 央行降低融资成本的努力已经见效。
一年期和五年期贷款利率的下降带动了平均贷款利率的下降。
关键观点4: 市场人士认为，需要平衡借款人和贷款机构的利益。
虽然对现有住房贷款的调整预期合理，但这种调整也需要考虑商业银行的收入。
文章预览
China's housing market expectations for a further decline in existing mortgage rates have turned stronger, real estate industry observers said on Wednesday. That is because mortgage rates for individual homebuyers continue to decline. In addition, the interest rate gap between existing and new home mortgages continues to widen. This situation, therefore, calls for more measures to turn expectations into reality, they said. Experts noted that changes in the situation will depend on the willingness of both borrowers and lenders to embrace a new market dynamic. Another key factor is whether or not related policies can help turn expectations into reality, they said. According to data compiled by China Real Estate Information Corp, a market observer, the average loan interest rate for new homes in 30 key cities is 3.21 percent, while that for second homes is 3.53 percent. Both the rates have declined 0.6-0.7 percentage point in comparison with the levels recorded at the beginning of the ye
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