房地产
113,166 views
36 Discussing
Hot
Latest
See original
How long did it take for the United States to introduce real estate policies after the subprime mortgage crisis broke out in 2007?
First, interest rate cuts
In September 2007, the interest rate was cut by 50 basis points to 4.75%
In April 2008, the interest rate was about to reach 2%
In October 2008, Lehman Brothers collapsed and the interest rate was cut by 50 basis points to 1.5%
In December 2008, the interest rate was directly reduced to 0-0.25%
Second, quantitative easing
In November 2008, 600 billion;
In November 2010, 600 billion;
In September 2012, 40 billion per month.
Third, fiscal policy
In 2009, a 787 billion economic stimulus policy was launched, mainly used in infrastructure, energy, education, health and other fields to promote employment.
Fourth, real estate policy
In 2008, the Federal Housing Finance Agency injected capital into the "two houses" to prevent bankruptcy
In 2009, the monthly payments of existing mortgages were reduced and the loan interest rates were lowered.
Finally, in early 2014, after six years of decline, the US real estate market finally bottomed out and rebounded.
#房地产 #降息
First, interest rate cuts
In September 2007, the interest rate was cut by 50 basis points to 4.75%
In April 2008, the interest rate was about to reach 2%
In October 2008, Lehman Brothers collapsed and the interest rate was cut by 50 basis points to 1.5%
In December 2008, the interest rate was directly reduced to 0-0.25%
Second, quantitative easing
In November 2008, 600 billion;
In November 2010, 600 billion;
In September 2012, 40 billion per month.
Third, fiscal policy
In 2009, a 787 billion economic stimulus policy was launched, mainly used in infrastructure, energy, education, health and other fields to promote employment.
Fourth, real estate policy
In 2008, the Federal Housing Finance Agency injected capital into the "two houses" to prevent bankruptcy
In 2009, the monthly payments of existing mortgages were reduced and the loan interest rates were lowered.
Finally, in early 2014, after six years of decline, the US real estate market finally bottomed out and rebounded.
#房地产 #降息
See original
Don't subscribe if your income is below 200,000.
Today, A-shares traded 1.86 trillion, with a median increase of 0.66%. What is gratifying today is that both large-cap and small-cap stocks showed balanced growth without any uneven performance.
One very important factor is that today there was a substantial influx of funds into consumer-related sectors, with retail rising by 5.6%, dairy by 5.2%, liquor by 3.4%, food processing by 4.4%, and aquaculture by 2.6%. These sectors have underperformed the market due to domestic deflation and low consumption in recent years, making today's collective rebound quite rare.
From a logical analysis, there are two reasons: one is that as we approach the end of the year, local governments across the country are restarting a round of consumer vouchers to activate consumption using leverage effects. The other is that the market is beginning to accept and believe that the government will indeed implement loose policies next year to stimulate domestic demand, making currently undervalued sectors have the potential for early positioning.
One very important factor is that today there was a substantial influx of funds into consumer-related sectors, with retail rising by 5.6%, dairy by 5.2%, liquor by 3.4%, food processing by 4.4%, and aquaculture by 2.6%. These sectors have underperformed the market due to domestic deflation and low consumption in recent years, making today's collective rebound quite rare.
From a logical analysis, there are two reasons: one is that as we approach the end of the year, local governments across the country are restarting a round of consumer vouchers to activate consumption using leverage effects. The other is that the market is beginning to accept and believe that the government will indeed implement loose policies next year to stimulate domestic demand, making currently undervalued sectors have the potential for early positioning.
See original
Trump's return to the White House: Can his net worth skyrocket to a trillion overnight?
Just hours before the voting ended on U.S. election day, Trump's social media company released a shocking financial report: dismal sales and operating losses of up to hundreds of millions of dollars. However, once the election results came out and the news of Trump's imminent return to the White House broke, the company's stock price soared 60% instantly, and Trump's personal wealth increased by $2.4 billion! Is this the so-called 'presidential effect'?
So, the question arises: after Trump's return to the White House, can his net worth really skyrocket to the trillion level?
So, the question arises: after Trump's return to the White House, can his net worth really skyrocket to the trillion level?
See original
Sorry, I drank too much again tonight.
On Thursday night, there was a piece of news that came out too late, so I didn't include it in my evening report. Guotai Junan Securities was planning to absorb and merge Haitong Securities. This was the first merger of large securities firms after the release of the Nine Measures. Guotai Junan Securities and Haitong Securities were both suspended on Friday. Other securities sectors that were trading once surged to 2.5% in the morning, but fell to 0.5% at the close, which was equivalent to leaving some people out in the cold.
Traditionally, there are two types of positive factors for securities stocks. One is the reduction of stamp duty, which is unquestionably a once-in-a-decade event. The other is the merger of securities firms, which is a tradition and occurs almost every one or two years.
Traditionally, there are two types of positive factors for securities stocks. One is the reduction of stamp duty, which is unquestionably a once-in-a-decade event. The other is the merger of securities firms, which is a tradition and occurs almost every one or two years.
See original
Among the few real estate speculators I know who previously took over the project at a high level, one recently chose to cut off the mortgage!
It is basically impossible for ordinary people to cut off their mortgage payments unless their income can no longer support them.
Cutting off mortgage payment is not what many people think. I don’t want the house anymore, and the mortgage loan has nothing to do with me. This loan is for life. Unless you pay off the mortgage loan, it will be a lifetime thing.
Let's say the house is out of service.
First, the bank will come to you and ask you to repay the money. This time is usually after you have not repaid the mortgage for 3 consecutive months. The bank will come to you and then chat with you for 3 to 6 months.
If you say that you have been convinced during this period and are willing to continue to repay the mortgage, then there will be a stain on your credit report for 5 years, but everything else is fine.
If you still refuse to pay it back, go to the next stage.
Then, the bank will start to sue you. During this stage of suing you, if you repay the money you owe, then it will be fine. You can still continue to repay the mortgage, but if you don't, then you will enter the lawsuit. Stage, this time usually ranges from 6 months to 1 year. Generally, the bank is a sure winner in this kind of lawsuit.
Then, at this time, the lawsuit has been pronounced and you lost, then at this time, your house will enter the foreclosure stage, which is what we see as a foreclosure house.
Then, if the house becomes someone else's, your credit report will be finished, which is basically social death.
If you are alone and have no father, no mother, no wife, no children, and no friends, it doesn't matter. But if you have a family, you generally can't bear the consequences.
#BTC #Onchain #cbdc #Kyberswap #房地产
$BTC $ETH $BNB
It is basically impossible for ordinary people to cut off their mortgage payments unless their income can no longer support them.
Cutting off mortgage payment is not what many people think. I don’t want the house anymore, and the mortgage loan has nothing to do with me. This loan is for life. Unless you pay off the mortgage loan, it will be a lifetime thing.
Let's say the house is out of service.
First, the bank will come to you and ask you to repay the money. This time is usually after you have not repaid the mortgage for 3 consecutive months. The bank will come to you and then chat with you for 3 to 6 months.
If you say that you have been convinced during this period and are willing to continue to repay the mortgage, then there will be a stain on your credit report for 5 years, but everything else is fine.
If you still refuse to pay it back, go to the next stage.
Then, the bank will start to sue you. During this stage of suing you, if you repay the money you owe, then it will be fine. You can still continue to repay the mortgage, but if you don't, then you will enter the lawsuit. Stage, this time usually ranges from 6 months to 1 year. Generally, the bank is a sure winner in this kind of lawsuit.
Then, at this time, the lawsuit has been pronounced and you lost, then at this time, your house will enter the foreclosure stage, which is what we see as a foreclosure house.
Then, if the house becomes someone else's, your credit report will be finished, which is basically social death.
If you are alone and have no father, no mother, no wife, no children, and no friends, it doesn't matter. But if you have a family, you generally can't bear the consequences.
#BTC #Onchain #cbdc #Kyberswap #房地产
$BTC $ETH $BNB
See original
Ding, the bull market experience card is over
Today, the two markets traded 700 billion yuan, with the median down 1.79%. The bull market experience card that spanned two months (August 29 to September 1) expired, and it returned to the previous days.
The best performers today are coal and banking sectors. As long as the market crashes, these two sectors are like official designated bomb shelters, and all kinds of funds will flee to hide in them. As for the decline list, semiconductors -4%, liquor -4%, home appliances -3.6%, games -3.1%, securities -3%, movie theaters -2.8%, software development 2.7%, real estate -2.6%, all of them were smashed into pieces by a bear's paw.
The best performers today are coal and banking sectors. As long as the market crashes, these two sectors are like official designated bomb shelters, and all kinds of funds will flee to hide in them. As for the decline list, semiconductors -4%, liquor -4%, home appliances -3.6%, games -3.1%, securities -3%, movie theaters -2.8%, software development 2.7%, real estate -2.6%, all of them were smashed into pieces by a bear's paw.
See original
Uh... the summer season has been a disaster
Yesterday, some readers did not understand why I could know the progress of other players around the world in a stand-alone game like Black Myth. Because it is not a pure stand-alone game. When playing it, you need to log in to platforms such as Steam, Epic, and Wegame to read the previous progress and upload your own game data at the same time, so the platform has progress statistics of all players.
This is actually a very good anti-piracy measure. In the past, stand-alone games could be played offline and pirated copies could be easily cracked. So now, a large number of interactions that require an internet connection are written into the code of stand-alone games, making it impossible to pirate.
This is actually a very good anti-piracy measure. In the past, stand-alone games could be played offline and pirated copies could be easily cracked. So now, a large number of interactions that require an internet connection are written into the code of stand-alone games, making it impossible to pirate.
See original
Sure enough,
Pick a few things to talk about.
First of all, the LPR announced early in the morning has not changed, and both the 1-year and 5-year terms remain the same.
The official explanation was that the current interest rate spread of banks is relatively small (about 1.5%), which is lower than the normal standard for bank profits. It will take some time to digest, but it did not say how long it will take. Bloomberg reported three consecutive reports of the decline in existing mortgage rates this month, each with more details than the last. This is definitely not made up. I believe it is true and I believe it will be implemented when the time is right.
But as I said last night, I think the communication mechanism between decision-makers and the market should be improved. Many of our financial media are now gradually losing the ability to link to the truth except for serving as loudspeakers. Many times some important information has to be exported and then disseminated domestically. This is not only unfair, but also not conducive to market stability.
First of all, the LPR announced early in the morning has not changed, and both the 1-year and 5-year terms remain the same.
The official explanation was that the current interest rate spread of banks is relatively small (about 1.5%), which is lower than the normal standard for bank profits. It will take some time to digest, but it did not say how long it will take. Bloomberg reported three consecutive reports of the decline in existing mortgage rates this month, each with more details than the last. This is definitely not made up. I believe it is true and I believe it will be implemented when the time is right.
But as I said last night, I think the communication mechanism between decision-makers and the market should be improved. Many of our financial media are now gradually losing the ability to link to the truth except for serving as loudspeakers. Many times some important information has to be exported and then disseminated domestically. This is not only unfair, but also not conducive to market stability.
See original
Those who are in debt are so awesome
Today, the trading volume of the two cities was 526.5 billion. Several indexes fluctuated slightly, but the median was +0.99%. Therefore, it was a good trading day for retail investors. The index did not rise but the accounts recovered significantly.
The best performer is the solid-state battery sector, or rather, the solid-state battery concept, because there is no listed company that can mass-produce all-solid-state batteries, and even semi-solid-state batteries are rare. This round of solid-state battery concepts was hyped up because a company called Penghui Energy held a press conference and announced some technological breakthroughs in solid-state batteries. It is not mass-produced, and the company also said that it will not be mass-produced within a year.
The best performer is the solid-state battery sector, or rather, the solid-state battery concept, because there is no listed company that can mass-produce all-solid-state batteries, and even semi-solid-state batteries are rare. This round of solid-state battery concepts was hyped up because a company called Penghui Energy held a press conference and announced some technological breakthroughs in solid-state batteries. It is not mass-produced, and the company also said that it will not be mass-produced within a year.
See original
Real estate market boom
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.
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.
See original
The house I bought in 2016 is no longer making money
I haven't recovered from my illness yet. I was groggy in bed all day today. I thought it was time to go to work at night, so I took some antipyretic medicine to wake up. The human body is really a precision instrument. When the temperature was 37.5 degrees, I felt fine. When the temperature reached 38.2, I was completely depressed and everything was wrong. It was just less than 1 degree, and the whole person was in two completely different states. So carbon-based life is really fragile, with such poor adaptability, how far can it go if it leaves the greenhouse of the earth...
Yesterday a reader left a message asking whether I lost money on the house I bought since Beijing’s housing prices have fallen.
I bought it in May 2016, the total price was 1400, various taxes and fees + balcony enclosure were about 100, the loan was 900, the interest rate was 15% off, about 4.16%. When the housing market was good, the same apartment in the community was sold for about 2000, but the latest transaction has dropped to 1600-1700.
Yesterday a reader left a message asking whether I lost money on the house I bought since Beijing’s housing prices have fallen.
I bought it in May 2016, the total price was 1400, various taxes and fees + balcony enclosure were about 100, the loan was 900, the interest rate was 15% off, about 4.16%. When the housing market was good, the same apartment in the community was sold for about 2000, but the latest transaction has dropped to 1600-1700.
See original
The most suspenseful one
Let me give you some valuable information about the Mid-Autumn Festival.
1. The August housing prices in 70 cities across the country were released. Except for Jilin, the remaining 69 cities all saw a decline. Moreover, regardless of whether it was first-tier, second-tier or third-tier cities, the month-on-month decline rate was significantly faster than in July, and there was no sign of bottoming out or stabilizing.
Regarding the bottoming out of housing prices, the main references are the Japanese and American models. The American model bottoms out in 2027, and the Japanese model bottoms out in 2040. Both are the result of comprehensive deleveraging after the bubble burst. History will not simply repeat itself, and we do not necessarily have to choose one of the two models of the United States and Japan. Perhaps our situation is different from that of the United States and Japan.
1. The August housing prices in 70 cities across the country were released. Except for Jilin, the remaining 69 cities all saw a decline. Moreover, regardless of whether it was first-tier, second-tier or third-tier cities, the month-on-month decline rate was significantly faster than in July, and there was no sign of bottoming out or stabilizing.
Regarding the bottoming out of housing prices, the main references are the Japanese and American models. The American model bottoms out in 2027, and the Japanese model bottoms out in 2040. Both are the result of comprehensive deleveraging after the bubble burst. History will not simply repeat itself, and we do not necessarily have to choose one of the two models of the United States and Japan. Perhaps our situation is different from that of the United States and Japan.
See original
Half of the warehouse
Let me tell you something I heard today.
Didn’t I tell you a few days ago that CSI 500a would issue 10 ETF funds, each with a scale of 2 billion, adding up to 20 billion, and the deadline is the 23rd of this month.
At that time, I said that the current market situation was too bad and it was difficult to raise 20 billion yuan in funds. These fund companies must have to find some unconventional means, such as asking brokerages and insurance companies to use money to cushion the situation, or looking for some big investors to compensate for the expenses privately.
Someone asked me about this. The initial condition was to pay an additional fee of 1.3%, which was later increased to 1.5%. Recently, I heard that someone is willing to pay 2%. That is, if I subscribe for 10 million, I will get 150,000 to 200,000 yuan, and I will bear the profit and loss after listing.
Didn’t I tell you a few days ago that CSI 500a would issue 10 ETF funds, each with a scale of 2 billion, adding up to 20 billion, and the deadline is the 23rd of this month.
At that time, I said that the current market situation was too bad and it was difficult to raise 20 billion yuan in funds. These fund companies must have to find some unconventional means, such as asking brokerages and insurance companies to use money to cushion the situation, or looking for some big investors to compensate for the expenses privately.
Someone asked me about this. The initial condition was to pay an additional fee of 1.3%, which was later increased to 1.5%. Recently, I heard that someone is willing to pay 2%. That is, if I subscribe for 10 million, I will get 150,000 to 200,000 yuan, and I will bear the profit and loss after listing.
See original
Really no need to watch
Today, all the channels I used to view northbound data have stopped updating, so I did not read the news wrong last night. Starting from August 19, the details of the inflow and outflow of northbound funds will be changed from daily to quarterly announcement.
Since the opening of the northbound channel in 2014, there has been a net inflow of foreign capital for nine consecutive years. At the peak of history, the cumulative net inflow of foreign capital was close to 2 trillion. The turning point came in August last year, when foreign capital overall bought less and sold more. In the first eight months of 2024, there was an annual net outflow for the first time.
Since the data on northbound foreign investment has a great influence, the regulator has made an adjustment before, changing the original real-time data updated during trading to data updated after the market closes. Now it has been changed again, and the data will be reviewed once every quarter in the future.
Since the opening of the northbound channel in 2014, there has been a net inflow of foreign capital for nine consecutive years. At the peak of history, the cumulative net inflow of foreign capital was close to 2 trillion. The turning point came in August last year, when foreign capital overall bought less and sold more. In the first eight months of 2024, there was an annual net outflow for the first time.
Since the data on northbound foreign investment has a great influence, the regulator has made an adjustment before, changing the original real-time data updated during trading to data updated after the market closes. Now it has been changed again, and the data will be reviewed once every quarter in the future.
See original
Small temple, big demon
Although I wrote one day less, it didn’t delay anything, because I wasted another uneventful day on A-shares.
The trading volume of 590 billion fell back into the gutter, the market median was -0.22%, and the net selling of northbound funds was 2.1 billion. All the data were very typical, and the feeling of the previous period was back. In fact, the global environment is quite good today, and more than 95% of the market indexes are rising, but this did not prevent the A-shares from habitually falling at the end of the trading day.
Despite the overall sluggish market, there are some bright spots in some conceptual sectors, such as commercial aerospace, education and training, optical fiber, and smart grid.
The trading volume of 590 billion fell back into the gutter, the market median was -0.22%, and the net selling of northbound funds was 2.1 billion. All the data were very typical, and the feeling of the previous period was back. In fact, the global environment is quite good today, and more than 95% of the market indexes are rising, but this did not prevent the A-shares from habitually falling at the end of the trading day.
Despite the overall sluggish market, there are some bright spots in some conceptual sectors, such as commercial aerospace, education and training, optical fiber, and smart grid.
See original
Really started spending money
Today, many residents in Beijing and Shanghai received a big gift package. The government launched a consumption incentive policy with real money. The special subsidy funds for Shanghai alone exceeded 4 billion yuan. 85% of this money came from the country's super-long-term special government bonds, and 15% was borne by the municipal finance.
I won't list the specific subsidy items one by one, as the content is very long, so I suggest you search for relevant news. The main ones involved are car purchases, old car replacements, 2,000 yuan subsidies for the purchase of 8 types of home appliances, 15% subsidies for old home appliances, etc. It's not a gimmick, it's real benefits.
I won't list the specific subsidy items one by one, as the content is very long, so I suggest you search for relevant news. The main ones involved are car purchases, old car replacements, 2,000 yuan subsidies for the purchase of 8 types of home appliances, 15% subsidies for old home appliances, etc. It's not a gimmick, it's real benefits.
See original
Use virtual currency to purchase domestic real estate
If you could use virtual currency to purchase real estate in a second-tier city in China, would you be willing to buy it?
Property in the center of Nanning, with river view, subway 🚇, schools 🏫, and commercial facilities, the price is 50% off the nearby properties! PM me if interested. #房地产 $BTC $ETH $BNB
Property in the center of Nanning, with river view, subway 🚇, schools 🏫, and commercial facilities, the price is 50% off the nearby properties! PM me if interested. #房地产 $BTC $ETH $BNB
See original
I heard... the interest rate on existing mortgage loans may be lowered
I left Zhejiang, and just after getting off the high-speed train, I got a big gift package during the Friday evening rush hour. I called an online car at 6 o'clock and drove home at 8 o'clock, a full 2 hours. My son kept asking in the car how long it would take to get home, how long it would take, I was so annoyed, the traffic in the big city is such a pain.
During the two months I lived in the county town, if my buddies asked me to go out for a drink, I would be there in 10 minutes by taxi. This is a relaxing life. In Beijing, don't make dinner appointments with people you don't have a certain relationship with. A meal only costs a few dollars, and the real cost is the two or three hours of round trip.
During the two months I lived in the county town, if my buddies asked me to go out for a drink, I would be there in 10 minutes by taxi. This is a relaxing life. In Beijing, don't make dinner appointments with people you don't have a certain relationship with. A meal only costs a few dollars, and the real cost is the two or three hours of round trip.