Today, the central bank released a big killer to stimulate real estate consumption:
Central Bank: Cancel the lower limit of the interest rate policy for commercial personal housing loans for the first and second houses at the national level!
If this is in the past few years, it will definitely be explosive news, and it will definitely bring a climax to the real estate market!
Recently, there are many experts and professors who have encouraged to buy a house, and netizens jokingly said:
"If you don't buy a house again, don't blame me for being unkind";
In fact, the real estate policy in many cities has long been loosened, the purchase restrictions have been canceled, and the commercial banks have long given preferential interest rates. But it didn't work.
If you push economics to the limit, it's a joke:
For example, if I start a company, as long as the bank makes the decision, it will give me a loan of 300 trillion yuan.
I will give 200,000 to each person in the whole country!
Believe it or not, China's economy can pull a big wave?
After that, the bank will definitely ask me for money, which is not a problem. Personal bankruptcy? On the list of old men? Limit high spending?
It's a big deal, I'm dead, and I'm in debt! With a stroke of the bank's pen, the bad debts are eliminated!
Sacrificing me alone to save hundreds of millions of people from fire and water in the world, I am properly famous in history!
It depends on whether the leaders approve it or not.
Some people say that all the money is the same as not paying the money, because the price will rise?
This statement is correct, but the problem is that prices will rise, the debt figure will not rise, you owe the bank tens of thousands of credit cards, you will not say that after the whole country pays 200,000 per person, you must repay tens of thousands more if you owe the bank tens of thousands, which is equivalent to debt clearance.
Because the absurd economic status quo requires absurd means to solve it. What will happen in the future? Needless to say, China has a vast depth, but the countryside, towns, and county towns are becoming more and more withered, and the entire population is concentrated in the big cities.
I think that back then, the price of land in Japan had arrived, and if I sold Tokyo, I could buy the whole of the United States.
We are still far from it, after all, China is so big.
The population is still slowly declining.
So when will residents' consumption get up?
Correct answer: As long as residents have enough savings, consumption will definitely rise!
Therefore, the essence is to encourage residents to save first! Although this suggestion seems to be the opposite of the opposite. But it is the essence, only the numbers on the account seem to be safe enough, people dare to spend.
This is because social security cannot be improved for a while, and residents' incomes cannot be raised in a short period of time.
But if savings are encouraged, then residents' savings will really rise, and according to my calculations, at most a year or two, consumption will slowly pick up.
As for encouraging savings, what about declining consumption? What about local finances? What should I do if I can't pay my salary if I eat imperial food?
Don't worry, it's not the first time in history that wages have not been paid, in the last century, in some places, there were no wages for a year or two. Didn't you starve to death?
As a member of the masses, I am willing to let myself be burdened with hundreds of billions of debts, and those tens of millions of people who eat imperial grain and bear hundreds of trillions of debts are trivial matters.
Unbelief? Look at the United States on the other side of the ocean, the national debt, 30 trillion US dollars, equivalent to 210 trillion yuan, people are still alive and kicking? Stirring up trouble everywhere?
And saving is also the best choice for individuals, and it is also the only means that can fight against the exploitation of capital!