<image>Under the macroeconomic regulation of national policies, the transaction price of commercial housing in a certain city decreased from 14,000 yuan per square meter in March this year to 12,600 yuan per square meter in May.
(1) What is the approximate percentage rate of price reduction per month on average for April and May? (Reference data: ≈0.95)
(2) If the housing prices continue to decline at this percentage rate, do you expect the average transaction price of commercial housing in this city to fall below 10,000 yuan per square meter by July? Please provide an explanation.