The strongest bailout policy in history is coming! It's going to be another carnival!

Jiang Hao said economically

2024-05-17 17:33Posted in Guangdong financial field creators

Hold one's breath! Because the nuclear bomb-level bailout policy is coming!

Today (May 17) held a very important meeting: the national video conference on ensuring the delivery of housing!

This is also the highest-level meeting on real estate in recent years, what exactly did this meeting talk about?

Mr. Jiang briefly summarized it for you:

1. Directly adjust the down payment ratio of the first house to 15%, and the down payment ratio of the second house to 25%;

2. To fight the tough battle of ensuring the delivery of buildings and confirm that there is a large inventory of commercial housing, the government can take the order and purchase part of the commercial housing at a reasonable price as appropriate, which is used as affordable housing;

3. Abolish the lower limit of mortgage interest rates at the national level, including the first and second sets;

4. From May 18, 2024, the interest rate of the first home provident fund loan will officially change to 2.85%;

Look, the sense of sincerity is full, so many fans came over to ask Mr. Jiang, let me talk about the impact on the property market after the policy is relaxed?

Let me make a few brief points:

First, the interest rate at the national level has fallen, which means that major cities can adjust the mortgage interest rate according to their own property market conditions, and the commercial loan interest rate in cities with bad market conditions can be infinitely close to the provident fund loan;

It is foreseeable that in the future, many cities will even have a 2-word interest rate, which should be the lowest mortgage interest rate in history;

Second, the down payment ratio for the first house has been reduced to 15%, and the down payment ratio for the second house has been reduced to 25%, which greatly reduces the difficulty of buying a house and getting on the car, of course, this is also an unprecedented strength!

The down payment ratio of the first home and the second-hand house was lowered at the same time, in fact, it also tells you from the side:

All policies are phased, in the past we talked about housing not speculation, but now it is out of date.

Now we have to save real estate, so we can't be as awkward as before, and we can save the property market in one go!

third, government collection and storage;

This matter has been rumored in recent days, but fortunately, it has been implemented today.

Although the policy has come out, the specific implementation rules, such as how to collect? Which houses to receive? New or second-hand? Which cities can accept it? How does the funding come from? It needs to be further refined!

However, judging from the strength of this policy, it should be unprecedented, indicating that the senior management has made up their minds that real estate must be saved, and it is required that there should be no ideological restraint below, and let go of their hands and feet!

Emancipate the mind, reduce the proportion of down payments, issue special treasury bonds, including soon, the purchase restrictions in first-tier cities may be completely lifted!

The channel for interest rate cuts is open

We can be sure of one thing, that is, the country will be in an interest rate cut channel for a long time!

To put it bluntly, the cost of borrowing money will be greatly reduced, and of course, in order to control the operating space and profits, the deposit interest rate will definitely be further reduced, which will force everyone to take out their deposits for consumption and investment!

Superposition has recently begun to increase prices from the supply side, and the costs of water, electricity, high-speed rail, education, medical care and other expenses have been raised!

The main intention is clear, that is, to force the deflationary market into the inflation market, because only moderate inflation can stimulate economic development!

In the next few years, the money stored in the bank will become more and more hairy, and next, we must actively look for reliable assets as a safe pool of funds!

Mr. Jiang believes that gold is a very safe and stable asset at present, in addition to gold, there are also dividend insurance and savings insurance;

In addition, there are only high-yield houses left in the core areas of first-tier cities and strong second-tier cities!

The next property market, is it a carnival for the whole people, or is it exclusive to the rich? It depends on the strength of the new deal and the trend of transactions!

In short, the trend has come, and if you want to keep your wealth going, you must keep up with this wave, otherwise you may be overwhelmed by the tide!

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Personal opinion, for reference only