FTV News/Reported by Lv Zhongyu and Chen Shenghan from Taipei
The central bank will raise interest rates by half a yard again, which will affect the increase in lending rates. All public-stock banks will start on April 1 at the earliest. The floor price of mortgages will reach 2.06%, breaking through the 2% mark in one fell swoop, compared with last year’s 1.31% interest rate. It is said that a 30-year 10 million loan will cost 3,655 yuan more per month, which will not only make the first-time buyers shrink, but also put more pressure on the mortgage family.
The people said, “It’s not enough to save the first bucket of gold after hard work, haha, let’s continue to save 1.5 or 2 buckets.”
It was hard to save the first pot of gold. I didn’t expect that the distance between myself and the house would be farther and farther. The software engineer even admitted that not only the housing price, but the central bank’s interest rate hike has become a nightmare for mortgage families.
The people said, “The main reason is that the conditions have become relatively low. Maybe I wanted to buy the eggshell area before, but now I want to buy the eggshell area. When the interest rate is lowered, I feel that the original housing price is very high, and then the mortgage interest rate. Higher, of course the pressure is getting bigger and bigger.”
I am so worried because the central bank will raise interest rates by half a yard again. As soon as April 1st, all public stock banks will respond and raise it by 0.125%, which will also bring the floor price of loans for first-time homebuyers to 2.06%, an official breakthrough The 2% mark, compared with the 1.31% before the interest rate hike last year, is equivalent to 10 million people’s loans. For a 30-year period, the monthly increase is 3,655 yuan, and the extra payment is 43,860 yuan in a year, which means that there are fewer office workers. One month’s salary, in order to reduce the burden, this gentleman decided to pay off 80% of the mortgage in one go.
The public said, “Maybe I will pay back 20 million. I am not that good at investing, because the mortgage interest rate has become higher now, so I want to say, otherwise, I will pay back some in advance.”
Not only mortgage families are suffering, but first-time homebuyers have shrunk their hands. “Buying is worse than renting” has become a trend.
Realtor Chen Taiyuan thinks, “I would like to talk about the interest rate hike this time. It seems that it is a trend. It doesn’t seem to be the end of this rise. It may continue to rise in the future, so it will definitely affect people who buy houses Willingness to buy a house.”
According to statistics from the Ministry of the Interior, by the third quarter of last year, the mortgage burden rate of households in Taipei City had reached 67%, which means that more than 2/3 of the family’s monthly income was used to pay mortgages. Now that interest rates have risen again, mortgage families The pressure of repayment is even heavier.
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