This weekend, many people were discussing the newly introduced housing pension, and there were many interpretations that this was a variant of property tax. The government explained that this money will be used to provide housing for the elderly in the future, that is, some old houses that have been in disrepair for a long time need regular inspections and maintenance to protect the safety of residents, and the relevant expenses will be paid from the housing pension.
I guess most people vaguely remember paying a public maintenance fund when buying a house, which is about 2% of the total house price. The purpose of paying this money is to maintain and repair the house in the future.
But most people have no idea where the money goes after they pay it, right? I was not very clear before, but I checked it out these two days. Before the establishment of the owners' committee, the money was managed by the local government housing management department and deposited in the bank. After the establishment of the owners' committee, it was managed by the owners' meeting.
Please note that everyone has a dedicated bank account, and the public maintenance fund they pay is kept in their own personal account and is not universal.
According to media reports, China's public maintenance fund is about 1 trillion yuan, but the utilization rate is extremely low, only about 5-10%. This is actually normal, because the public maintenance fund was officially paid on January 1, 1999, which means that the oldest house paid for is no more than 25 years old. It is normal to use less money, and it would be strange to use more.
Some experts said that it is a pity to have the 1 trillion yuan lying in the bank, and that we should find ways to make it more useful, and suggested that we actively invest to increase its value. I suggest that the experts shut up.
After understanding the above background, readers with quick minds will have thought of one thing, that is, houses built before 1999 did not pay public maintenance funds, and those houses are the ones that need public maintenance funds more. Yes, this is the contradiction.
As mentioned above, the public maintenance fund is a special account for a specific person. Even if the money collected from the construction of new commercial housing is not used in the bank, it will not be used to repair old houses. Therefore, the funding gap in this part was previously subsidized by the government. However, as the number of old houses increases, the demand for maintenance increases. If the government continues to subsidize, the pressure will increase. Therefore, the idea of establishing a housing pension was proposed to solve this problem.
Next is the issue that everyone is most concerned about: who will pay for the housing pension?
There are no details in the information currently released. It only says that housing pensions are divided into personal accounts and public accounts. The personal account is similar to the previous maintenance fund, and the money in the public account comes from land transfer fees, appreciation of maintenance funds, and financial subsidies.
Since land transfer fees are listed first, it is likely that the bulk of the money will come from here. Land transfer fees were previously mainly given to local governments, so local governments have to bleed for housing pensions.
As for individual citizens, at least there is no talk of charging more money for now, so don't think too much about it for the time being. However, once a fee is established, the pressure of actual payment may be transferred, and I can't say who it will eventually be transferred to.
No matter from which angle this matter is interpreted, it should not be good news for the real estate sector, let alone boosting the current sluggish housing market. Thank you if it does not have a negative impact.
I have suggested to you many times on WeChat before that for redundant properties, we should get rid of the old and keep the new. The so-called standard for dividing the old from the new is whether there is a property + an elevator. The reason for this suggestion is that I am not optimistic about the maintenance and living experience of old houses, which will become negative assets over time. Now the government has introduced housing pensions, which may improve this problem, but we have to wait and see how effective it is.
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Today, the authorities also disclosed the results of the investigation into the previous tanker truck incident. Please watch the News Broadcast for the details. I will only give a lazy summary here.
After investigation, it was found that the crime of mixed transportation of oil products was true. It was found that all the traceable oil products of the two trucks involved were sealed, but 21.6 tons had already flowed into the market and were all sold to Ordos City, Inner Mongolia. No other areas were involved.
Those involved in the incident were held accountable, with minor penalties including administrative detention and serious penalties including criminal detention (7 people).
The seven companies involved were fined ranging from 260,000 to 2.86 million yuan.
Local public officials may have been derelict in their duties, and the disciplinary inspection authorities have already intervened in the investigation.
A full-chain investigation has been carried out across the country, and the results of the inspections in various places have shown that no other similar problems have been found.
The above is the main content of the announcement. It is just too unfortunate that only two cars in the country committed crimes and were exposed by the Beijing News.
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1. The US has almost made it clear that it will cut interest rates in September. Some banks have lowered their US dollar deposit rates, with the one-year rate lowered by 0.5%. In addition, Freddie Mac's 30-year mortgage rate is currently 6.46%, lower than last week's 6.49%, marking a turning point.
2. Hon Hai Chairman responded to the rumor that the yield rate of iPhone in India is low, saying that it is not true. If the yield rate was only 50%, it would have run away long ago. Hon Hai previously announced that it would produce iPhone 16 Pro and Pro Max in India. In recent years, various special supply and cool news have been produced on domestic social media. You can't say it is harmful, but reading too much may affect your IQ.
3. Zijin Mining's net profit in the first half of the year was 15 billion yuan, an increase of 46%. It made a lot of money from copper and gold production, with a month-on-month increase of 41% in the second quarter.
4. Black Monkey's sales exceeded 10 million, which was announced two days ago. Now it is estimated that it has sold several million more. Soon we will hear that it will exceed 15 million. In the end, it is likely to exceed 20 million, because the long tail can sell for a long time. I think 30 million+ is also possible. This game has an animation after each chapter, which is very beautiful. You can also go and have a look if you don't play the game.
That's all.