What Impact Will The Central Bank Cut Interest Rates On Our Lives?

On the evening of 27, the central bank announced that since June 28, 2015, it has been targeted to reduce interest rates and reduce interest rates.

This is the fourth time since November 2014 when the central bank started the current round of interest rate cuts and the reduction of quasi cycles, and the third interest rate reduction has also been announced.

How will this adjustment affect us?

1. deposits

Take a fixed deposit of 100 thousand yuan a year as an example:

The interest rate was 2.25%, and the interest rate was 2250 yuan per year.

After adjustment, the interest rate is 2% and the interest rate is 2000 yuan.

The loss was 250 yuan.

2. housing loan

The amount of business loans is 1 million, and the loan period is 30 years.

The benchmark interest rate was 5.65%, the monthly supply was 5772 yuan, and the total interest rate was 1 million 78 thousand.

The adjusted benchmark interest rate is 5.40%, the monthly supply is 5615 yuan, and the total interest rate is 1 million 21 thousand.

The average monthly repayment is 157 yuan and the interest rate is 30 in 30.

The amount of provident fund loans is 800 thousand, and the loan period is 30 years.

before

For 3.75%, the monthly contribution is 3704 yuan, and the total interest rate is 533 thousand.

The adjusted benchmark interest rate is 3.50%, the monthly supply is 3592 yuan, and the total interest rate is 493 thousand.

As a result, the monthly payment is less than 112 yuan, and the interest rate is less than 40 thousand in 30.

3. stock market

This is the rate cut made by the media.

The impact data are up and down.

The highest increase was 3.81%, the biggest drop was 3.27%.

How can the industry evaluate this adjustment?

1. Qilu strategy: at the present time, the central bank's offer of lowering interest rates and lowering interest rates is conducive to stabilizing market sentiment on the emotional side.

The scarcity of the current market is the confidence that the market will continue to take the bull.

At the same time, we emphasize that the central bank also uses quantity and price instruments. Monetary easing logic has not changed. Liquidity is lax and there is still plenty of off site funds.

2. Mizuho Securities: by taking advantage of management to clean up off site financing and guard against stock market risks, it will help to stabilize growth, reduce profitability and reduce bubbles. On the other hand, it can also guard against negative factors and enlarge the negative impact of hedging.

Considering many factors, it is the best time to reduce interest rates.

3. Li Daxiao, chief economist of the British securities company, the central bank's aim is to deal with the mid term liquidity pressure in the year, which is conducive to reducing the financing cost of enterprises, contributing to the stability of the real estate market and playing an important stabilizing role in economic growth.

But it is not able to hedge the downward pressure of most stock overvaluation, but it can slow down the market volatility.

4. Yang Hongxu, vice president of Shanghai E-House Real Estate Research Institute: the following currencies will continue to be loose, favorable to the stock market and the real estate market, and the positive determination of the property market will continue to push up housing prices.

After adjustment, what should we do?

1. deposits

Deposit interest rate is low again. Experts say that money exists in banks. "If you want to control risks, you can choose a relatively less risky financial plan such as regular financial management".

If there is a consumption plan, it can also be considered.

2. property market

Some experts believe that this round of adjustment will have a certain impact on the real estate market.

If you have a plan to buy a home or improve your living environment, you can consider it. After all, mortgage can save a lot of money.

3. stock market

Some analysts believe that lowering interest rates at the same time and lowering the accuracy of the stock market as a whole is good, but taking into account the different attributes of the industry, the impact of different industries are not the same, real estate plate, bank shares, non-ferrous metal plates and agricultural sector will benefit.

Finally, I would like to remind you that investment is risky and prudent and rational.