A person is thirsty in the desert and the gods appear. He originally wanted to drink a bucket of water to have fun, but the god gave him a beauty. The helpless young man was so eager that he had no water to drink, but he died.
In just two days, the three major real estate favorable factors followed one after another (what is the real situation worse? I need to be so anxious). The details are as follows:
People's Bank of China decided to lower the interest rate of the first personal housing provident fund loan by 0.15 percentage points from October 1, 2022, and the interest rates below 5 years (including 5 years) and above 5 years are adjusted to 2.6% and 3.1% respectively. The interest rate policy for the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years shall not be less than 3.025% and 3.575% respectively.
On September 30, the Ministry of Finance and the State Administration of Taxation issued a policy on supporting residents to purchase housing with personal income tax: taxpayers who sell their own houses and repurchase their houses in the market within one year after the sale of the current house will be given tax refund preferential treatment for personal income tax paid for their current houses. The implementation period is from October 1, 2022 to December 31, 2023.
September 29, People's Bank of China and China Banking and Insurance Regulatory Commission issued a notice, deciding to phased adjustment of differentiated housing credit policies. City governments that meet the conditions may independently decide to maintain, lower or cancel the interest rate limit for the first-home loan issued in the local area before the end of 2022. The introduction of this policy measure will help support urban governments to make full use of the policy toolbox for "adopting policies based on the city" and promote the stable and healthy development of the real estate market. Within the scope of local policies, banks and customers can negotiate to determine the specific interest rate level of newly issued first-home loans, which will help reduce residents' interest expenses and better support rigid housing demand. The notice includes: 1. For cities where the sales prices of newly built commercial housing have been declining month-on-month and year-on-year in June-August 2022, the lower limit on the interest rate of commercial personal housing loans for the first housing will be phased out before the end of 2022. The lower limit of the interest rate policy for commercial personal housing loans for second-home housing units shall be implemented in accordance with the current regulations. 2. In accordance with the principle of "policy based on the city", city governments that meet the above conditions may independently decide to maintain, lower or cancel the interest rate limit for commercial personal housing loans for local first-home housing in accordance with changes in the local real estate market situation and regulatory requirements. The People's Bank of China and the China Banking and Insurance Regulatory Commission will send agencies to guide the provincial market interest rate pricing self-discipline mechanism to cooperate in the implementation.
The above three policies give people the feeling that they are small favors for groups who have not bought a house, so that some places can lower the lower limit of mortgage interest rates, hoping to stimulate transactions in the real estate market. For those who have not bought a house, the effect of these three tricks is generally similar to the story.
Under the epidemic, most industries are in a downturn. Many people are worried about eating. As a result, the policy is to let more people buy houses to support land finance . It’s like a person is almost starving to death, but you give him so many beautiful women. How can he have energy?
Food and fed, thought about lust. In terms of sociological concepts, the level of demand for Maslow is clearly stated. At this stage, it is really outrageous that you don’t think about increasing the income of the people and increasing the burden on many people.
While wanting to make everyone buy more houses, they want to make everyone consume more, and they also want to make everyone stay at home every day. I really don’t know what policy makers think.
Of course, there are still many "experts" who come out to praise their feet for such a ridiculous way of playing, as if they really gave "great favors" to the leeks who did not buy a house. The method of
is useless to those who empty out their "six wallets" to buy a house. After all, the real estate dividends in the past few decades have been bought. If you shouldn’t buy something and don’t want to buy it, no matter how much you “give” bonus, you won’t buy it at all.
Since the beginning of this year, the "buying unfinished buildings and having to pay off their loans", coupled with the sharp decline in income of ordinary people, the demand for buying houses in the real estate market has greatly reduced.After all, the financial attributes of real estate have not been completely separated yet. The real estate bubble that has been speculating for decades will not be digested in a short time.
The demand side is not good, and the supply side is over. In this case, there are still many places that need to challenge economic common sense and want to let everyone continue to buy houses at high prices to maintain local land prices. The four words
are used to describe this practice: is a fantasy!
For those leeks who borrowed money from banks to buy houses in the past two years, not only did they pay back much more money to banks than they are now, but what is even more terrifying is that there are also a group of people who bought unfinished buildings. They have been paying off their mortgages before the house has been delivered! This is really a sin! The small favors of policy in
still have a little effect on the stock market. Today, the real estate development and service sectors are rising well. However, the continuity of this popularity is probably going to stop after the holiday.
is right. I wonder if the owners who have bought an unfinished building and still have to pay off their loans, can they go around during the National Day holiday now?
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