First of all, congratulations to everyone, the loan of 1 million, the monthly saving of less than 20 yuan, successfully saved a bowl of lamb steamed buns!
Event 1: The central bank decided to reduce the 1-year LPR by 10 basis points and the 5-year LPR by 5 basis points.
The Loan Market Quoted Rate (LPR) on January 20, 2022 was: 3.7% for 1-year LPR and 4.6% for 5-year or older LPR. The above LPR is valid until the next LPR is released.
That is to say, the 1-year LPR is downgraded by 10 basis points and the 5-year LPR is revised down by 5 basis points.
Subsequently, the Financial Associated Press released information: banks are expected to use the new 5-year LPR rate as a new mortgage interest rate benchmark as soon as tomorrow.
To put it bluntly, it is because friends who have not yet chosen a house or have not applied for a mortgage in Xi'an are completely able to catch up, is this good news?
Compared with the market's expected interest rate cut of 10-15 basis points, the 5 basis points of interest rate cut for medium- and long-term loans is obviously not enough to boost the real estate market, which also fully shows that it is still quite cautious now, especially when the real economy is in a downturn and suffers a blow.
Housing is not speculation has become a consensus, real estate lying to make money era has passed!
Event two: COVID-19 vaccine manufacturers are strongly settled in real estate
I have to say that the epidemic in the past two years has nourished relevant pharmaceutical companies, and they have also accumulated very strong cash flow.
Capital is profit-seeking.
This is not, the new crown vaccine manufacturer Kexing Zhongwei strongly stationed in the real estate, but also want to take advantage of the real estate downturn to pick up leaks.
These manufacturing industries into real estate may form a new way of playing, taking advantage of the fact that housing enterprises have no money, there is a demand for capital realization, low-cost mergers and acquisitions of high-quality projects, early 0 financing without any leverage, pure cash flow support.
In case the real estate opens a financing opening in the later stage, it can still suck a wave of funds, why not enjoy it? It's exciting to think about.
There are more such manufacturers, and it is a new wave of housing enterprises, but leeks are still that wave of leeks!
The people have been suffering for a long time!