2023-01-29 15:22:01

The interest rate of the first housing loan in Zhe

。 2023-01-29 14:50:34 Source: network Scan the code: 1. Browse on the phone 2. Share it with WeChat friends or circle of friends

. The interest rate of the first housing loan in Zhengzhou fell to 3.8%. What is the matter?。 Summary:. The interest rate of the first suite in Zhengzhou has entered the "3" era. On January 29, the reporter of Dahe Finance Cube learned from some banks in Zhengzhou that the annual interest rate of the mortgage loan for the first set of housing was reduced from now on. The Bank of China, Industrial and Commercial Bank of China, Bank of China and other banks have recently adjusted to 3.8% (simple interest), and the applicable area is Zhengzhou City. It is reported that this Body summary:

The interest rate of the first suite in Zhengzhou has entered the "3" era. On January 29, the reporter of Dahe Finance Cube learned from some banks in Zhengzhou that the annual interest rate of the mortgage loan for the first set of housing was reduced from now on. The Bank of China, Industrial and Commercial Bank of China, Bank of China and other banks have recently adjusted to 3.8% (simple interest), and the applicable area is Zhengzhou City. It is reported that before this adjustment, the annual interest rate of the mortgage loan for the first house in Zhengzhou generally implemented the standard of 4.1%. This reduction means that the newly signed customers will save another sum of money from today. If the foreign housing loan is not settled, the purchase in Zhengzhou can be carried out according to the policy of down payment and interest rate for the first set. On January 5, 2023, the People's Bank of China and the China Banking and Insurance Regulatory Commission issued a notice, deciding to establish the first dynamic adjustment mechanism of housing loan interest rate policy. For cities where the sales price of new commercial residential buildings has declined for three consecutive months on a month-on-month basis and year-on-year basis, the lower limit of the local first housing loan interest rate policy can be maintained, lowered or cancelled in a phased manner. What happened when the interest rate of the first house loan in Zhengzhou fell to 3.8%? Let's follow the editor to see.

Source: Elephant News

[Pei Rongrong Yangsa, reporter of Dahe Finance Cube] The interest rate of the first suite in Zhengzhou has entered the "3" era.

On January 29, the reporter of Dahe Finance Cube learned from some banks in Zhengzhou that the annual interest rate of the mortgage loan for the first set of housing was reduced from now on. The Bank of China, Industrial and Commercial Bank of China, Bank of China and other banks have recently adjusted to 3.8% (simple interest), and the applicable area is Zhengzhou City. Several banks also said that they had not received the relevant notice and should make unified arrangements according to the head office.

It is reported that before this adjustment, the annual interest rate of the mortgage loan for the first house in Zhengzhou generally implemented the standard of 4.1%. This reduction means that the newly signed customers will save another sum of money from today. The monthly payment will be reduced by 172.41 yuan, that is, from 4831.98 yuan to 4659.57 yuan, based on the housing loan of 1 million yuan and the repayment of equal principal and interest for 30 years.

China Resources, Cinda, Zhenghong and other real estate consultants also confirmed the above information. Several real estate consultants told the reporter of Dahe Finance Cube that they had received a notice on the morning of the 29th. From now on (January 29), the annual interest rate of the first set of housing in Zhengzhou began to implement the standard of 3.8%, and the interest rate of the second set of housing remained unchanged at 4.9%. If the foreign housing loan is not settled, the purchase in Zhengzhou can be carried out according to the policy of down payment and interest rate for the first set.

This adjustment also has traces to follow.

On January 5, 2023, the People's Bank of China and the China Banking and Insurance Regulatory Commission issued a notice, deciding to establish the first dynamic adjustment mechanism of housing loan interest rate policy. For cities where the sales price of new commercial residential buildings has declined for three consecutive months on a month-on-month basis and year-on-year basis, the lower limit of the local first housing loan interest rate policy can be maintained, lowered or cancelled in a phased manner.

In the past six months, the housing loan interest rate easing policy has continued to increase.

In May 2022, the People's Bank of China and the China Banking and Insurance Regulatory Commission jointly issued a document saying that the lower limit of the interest rate of individual housing loans should be adjusted to be no less than the market quoted interest rate of loans for the corresponding period minus 20 basis points for families who purchase the first house with loans.

In September 2022, the People's Bank of China and the China Banking and Insurance Regulatory Commission issued the Notice on the Periodic Adjustment of Differentiated Housing Credit Policy, clarifying that for the cities where the sales price of new commercial residential buildings fell continuously from June to August 2022, both on a month-on-month basis and year-on-year basis, the lower limit of the interest rate of commercial personal housing loans for the first set of housing will be gradually relaxed by the end of 2022.

The interest rate of the first house loan in Zhengzhou dropped to 3.8%. Related reading:

A share: Four positive factors, four aspects, the red envelope market accelerated?

Introduction: This week's A-share market has been closed for the holiday, but the performance of domestic and overseas stock markets is not calm. The US stock market has been trading all week, so the A50 futures index is also trading naturally. At the same time, our Hong Kong stock market has been the first to open in the second half of the week (Thursday/Friday), and the performance is even more impressive. Therefore, it has an auxiliary effect on the trend of A-share after the holiday. We will discuss the market expectation for next week from four aspects...

The interest rate of the first housing loan in Zhengzhou fell to 3.8%. What is the matter?

First of all, let's look at the specific data performance of domestic and overseas markets during the holiday:

US stocks rose for a week in a row, but there were obvious twists and turns in the middle, and the performance in the second half of the week was actually stronger. One of the signs was that US stocks Tesla rose by more than 33% this week. This state has not appeared in Tesla for many years. The stimulating effect on the global new energy vehicle market is very obvious, and all of these benefits from the double increase of Tesla's performance in the fourth quarter of last year.

We take this opportunity to discuss the status of the industry, learn from the historical data and discuss it. As an industry benchmark, Tesla's position in the new energy vehicle industry is the same as Apple's position in the mobile phone industry. So whenever Tesla makes some major actions, the impact on the global new energy vehicle enterprises can not be ignored. Now there is a question, how can Tesla achieve the market share increase again?

There is only one predictable way: the industry leader starts the price war actively. Note that Tesla's gross profit is the highest in the whole industry, so the possibility of price war is actually very high. Then this is a big blow to the global new energy vehicle enterprises. In other words, once this expectation is accelerated, we can certainly see changes in the industry, and passive following is a high probability event, This means that the current industry structure will also be rewritten. To be frank, the 1-10 process of new energy vehicles will accelerate, and "the rest is the king" is inevitable...

Of course, it will take a long time. In terms of Tesla's performance this week alone, the stimulus to Hong Kong stocks or China stock market is very obvious. At the same time, it will certainly stimulate the A shares after the holiday. Therefore, the ultra-short term foreseeable is that the new energy vehicle industry chain of A shares will usher in an opportunity to rise. So one of the best performing industries next week will probably be the automobile industry.

The interest rate of the first housing loan in Zhengzhou fell to 3.8%. What is the matter?

Looking at the Hong Kong stock market, the performance of Thursday was very outstanding, and the increase of Friday was obviously lower than that of Thursday. For the time being, the Hang Seng Index has stood at 22000 points, which is not important. What is important is the industry and concentration of the best performance in the two trading days. The leading index of the Hong Kong stock market, such as Hang Seng Mainland Real Estate and Hang Seng Technology Index, of course, as far as the segment industry is concerned, we see that software development, auto parts, food and real estate have the best performance, It is also worth mentioning that tourism and film and television stocks have performed well.

Three companies in Hong Kong stock market have obvious preferences: soup, SIA and dragon. The themes are AI vision, power battery and snack food, which fully reflect the preference of funds. Of course, the performance of a laurel garden and a lake in the real estate is also good. For reference, we think that the real estate, tourism, film and television, automobile/electric equipment, software development The performance of the Internet and other industries will be in the forefront.

Let's take another look at the performance of A50, which rose by 1.56% in total this week. Among them, Wednesday's performance was the best. From this point of view, the opening probability of A shares was high, and the component stocks of A50 were all weighted. Therefore, because the A50 performance this week was good, the phenomenon that A shares responded to the high opening was naturally a high probability event. However, we do not want the A share index to open too high subjectively.

The interest rate of the first housing loan in Zhengzhou fell to 3.8%. What is the matter?

Secondly, combined with the performance of domestic and overseas markets in the festival, we discuss the expectation of A-share in the next week from four aspects:

First, the most important thing next week is the deal!

Subjectively, we believe that next Monday is bound to be a massive one, and it will be around 900-1000 billion yuan. This amount cannot be too large, it is easy to achieve in one step, and it is too small to achieve the desired effect. When it comes to transaction, we must consider the main forces of the A-share market: domestic and foreign capital, which includes many, the largest force such as public offering and foreign capital, and the smallest force of course is retail investors.

First of all, foreign capital continued to flow in a large amount before the festival. In combination with the performance at home and abroad during the festival, we believe that foreign capital will continue to flow in next Monday, and may even increase. After all, only 90 billion yuan will flow in the whole year of last year, while this year is expected to flow in between 300 billion yuan and 300 billion yuan.

In addition to domestic capital, subjectively, we believe that the private place-intensive capital this year is greater than the public offering. However, the direction of public/private placement selection is very different, especially at the level of 10 billion. The probability of small private placement and small public placement is passively following the market hot spots, while the autonomy of large public/private placement is stronger. However, it should be noted that by the end of the fourth quarter of last year, the stock position of public placement funds has reached a record high, at the level of 88.2% in the past decade.

The interest rate of the first housing loan in Zhengzhou fell to 3.8%. What is the matter?

This is both a good thing and a bad thing. The high public offering position means that the follow-up market is optimistic. However, it also means that there are too few bullets available for public offering at present. Therefore, whether the market can continue this year depends on the level of public offering... As for next week, it needs to maintain the capacity of about 900 billion. If it returns to 600 billion or 700 billion, it can only accelerate the demand for cash delivery.

Second, the four major benefits are released intensively, and the hot spots are from divergence to concentration!

Next Monday must be more than one day, because the news in the festival is too good, most of which are concentrated in the post-epidemic industry chain. For example, the total box office of this year's Spring Festival is the second in the history of film and television. For example, the number of tourists during the Spring Festival increased by 23.1% year on year, recovering to 88.6% in the same period in 2019. These two advantages are subdivided into industries, such as film and television, tourist attractions, restaurants and hotels.

At the same time, the new energy vehicle industry chain will benefit from Tesla's sharp rise this week, and there is a possibility of a big rise. For example, real estate, the news of "encouraging and supporting conditional and willing people to move into cities and settle down" appeared in many departments, as well as "the interest rate of the first housing loan in Zhengzhou was reduced to 3.8%" and so on.

Therefore, the real estate industry is very positive, and there are also news about the digital industry. Therefore, it is inevitable that these industries will blossom at more than one point next Monday. These industries are reflected in the A-share market, which basically occupy thousands of stocks. However, the market will choose a main line to promote, so next week is the process of hot spots spreading to concentration.

The interest rate of the first housing loan in Zhengzhou fell to 3.8%. What is the matter?

Third, the trend of the index is difficult to achieve overnight, but the red envelope market is undoubtedly confirmed!

Next Monday, the probability of high opening and high rising is the highest. However, it depends on the range of high opening. For example, if the high opening is more than 3%, the space for high rising will also be reduced. But if the high opening is 1-2%, the high rising will become a probability event. However, this is only next Monday, and does not represent the whole next week, because next Monday will certainly reflect the performance of the festival at home and abroad, with typical following and emotional.

Therefore, there must be a red envelope market next Monday. The size of the red envelope depends on the mood of domestic and foreign investors. Next Tuesday is the real start. Subjectively, we believe that on the premise of not shrinking, the first half of the week after next Monday is expected to be "encircled but not attacked", and the second half of the week will start to rise steadily. Because of the strong subjectivity, this is the best trend we think, but it does not mean that it will really go this way, So there is no way to go overnight...

Finally, before the liquidity of domestic capital is fundamentally improved, there is a need to do the band!

It is conditional to make a band. Let's take value investment as an example. For example, a certain variety you like, 20 times - 1 times the standard deviation, 30 times the mean value, 40 times the+1 times the standard deviation. After your in-depth study, you think that 30 times is really a subjective and reasonable valuation. Then if you participate at 20 times, you need to consider the band when it is more than 35 times, but if you think that the+1 times the standard deviation is not up to the expectation, you don't need to, but pay attention, "What should be and what is" is not the same thing. The subjective expectation ratio represents the objective fact.

The interest rate of the first housing loan in Zhengzhou fell to 3.8%. What is the matter?

Returning to the expectation for next week, we can understand the necessity of band as follows: if the band opens sharply (more than 3%) next Monday, and if it rises again, we should decide whether to sell high according to the understanding of our competitors' previous varieties, especially for Hong Kong stocks, such as the Internet industry, which have doubled since November last year. Whether to do band depends on our own understanding of stocks.

To sum up, we think that the path of A-share operation next week is: high opening on Monday - high closing on Tuesday/Wednesday and no attack on Thursday/Friday. It is a purely subjective view, which can also be understood as speculation. For industries or hot spots, they will blossom more on Monday, and then gradually concentrate. There is no new direction. It is still a choice between the four industrial chains of post-epidemic, real estate, new energy and digital, extending to the first quarter, We believe that balance is the main theme...

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