新闻报报看 | 副首相表示，当局将审查长期房屋贷款的规定，使购房者的负担不会太重，同時增加民众可支配收入。（主播：颜江瀚、梁宝仪）
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00:00Before watching the video, I would like to remind you that there is more content on the Hotpoint website.
00:30I would like to remind you that there is more content on the Hotpoint website.
01:00If more than half of the income is used to build a house, the remaining income will be greatly affected.
01:06The committee decided to conduct research on this issue.
01:10But is it a good idea to extend the mortgage?
01:14In fact, the National Bank of China has also discussed this issue.
01:19In fact, in July this year, the director of the National Bank of China Financial Supervision Department
01:26once expressed the position of the National Bank of China.
01:29The position is that the current policy is to maintain the longest loan period of 35 years.
01:35The National Bank of China does not want to extend the mortgage period to 40 years.
01:39It also does not want to implement the cross-border loan policy.
01:45Although China has tried to implement the longest loan period of 45 years,
01:50the policy was later canceled and the limit was set to 35 years.
01:55Therefore, the National Bank of China should follow the principle of responsibility to avoid excessive long-term debt.
02:00Many people hope to extend the mortgage period mainly to reduce the monthly salary.
02:06If the same loan is used for 10 years, the monthly salary will be very high and can't afford it.
02:12But if it is extended to 30 years, it can be afforded.
02:16If it is extended to 40 years, it seems to be more affordable.
02:20The possibility of bank approval loans will also increase.
02:24However, the director of the Financial Supervision Department of the National Bank of China believes that this approach has little editing effect.
02:30Assuming that the interest rate of a loan of 300,000 RMB in 35 years is about 4.65%.
02:36If the loan period is extended from 5 years to 40 years,
02:41the total cost of the loan will increase by about 51,000 RMB.
02:46However, the monthly salary is reduced by only 70 RMB.
02:52Let's take a look at the loan period of foreign countries.
02:58Some countries have a loan period of more than 100 years.
03:03Yes, you are right.
03:05At present, the loan period of Sweden is 105 years.
03:09According to the report, the Swedish loaners have long been used to paying only interest, not capital.
03:15In the 1990s, some banks in Japan also provided a 100-year loan scheme.
03:20However, there is no such scheme now.
03:23Since July last year, the South Korean government has increased the local real estate market.
03:30So they have extended the loan period from 40 years to 50 years.
03:34The UK also launched its first 50-year loan scheme in 2022.
03:50Thank you for watching it.