한어Русский языкEnglishFrançaisIndonesianSanskrit日本語DeutschPortuguêsΕλληνικάespañolItalianoSuomalainenLatina

in terms of "advantages", the reduction in the interest rate of existing mortgage loans will ease early repayment behavior and reduce option risks for banks. for some banks, the short-term net interest margin may be affected to a certain extent, but it is generally controllable. from the perspective of "disadvantages", the reduction in the interest rate of existing mortgage loans will put some pressure on the short-term net interest margin of banks, which needs to be treated with caution.

however, at the policy level, the regulatory authorities remain cautious. at present, there is no direct reduction in the interest rate of existing mortgage loans, but some cities have achieved a reduction in the interest rate of existing mortgage loans through the "commercial to public" method. this method uses borrowers who meet the conditions to convert commercial personal housing loans into provident fund housing loans to reduce mortgage interest expenses and reduce early loan repayments, bringing direct economic benefits to home buyers.

some institutions have also proposed a "cross-bank mortgage transfer" plan to reduce the interest rate of existing mortgage loans through loan transfer. this approach requires further optimization of regulatory policies and processes to ensure its smooth implementation. if this method is implemented, it will have a positive impact on the economic conditions of home buyers and inject new impetus into economic recovery.

how can we better balance the pros and cons in the future? we still need to seek consensus at the policy level and between commercial banks to ultimately promote the healthy development of the real estate market. at the same time, we need to encourage more borrowers to rationally use the "commercial to public" method and actively explore other feasible implementation paths to further promote economic recovery.