Recently, the central bank announced the date of February 20, 2024LoansMarketplace**Interest ratesThe news of the (LPR) downward adjustment has attracted the attention of all parties. This rate cut is for mortgagesInterest ratesThe impact was immediate, and it sparked rejoicing among many homeowners. However, we need to look beyond the superficial benefits, we also need to think comprehensively about this news in conjunction with other related news. This article will break down each of them and give you a glimpse of the hidden giants and the new changes that may be brought about.
The latest data shows that:The central bank cuts interest ratesThe amplitude reached 25 bp and the 1-year LPR was 345%, and LPR for more than 5 years is 395%。Based on this, we can calculate that for 30 years 1 million dollarsLoans, the monthly repayment amount will be reduced by 144 yuan; For $2 millionLoans, reducing the monthly repayment amount by 288 yuan; For $4 millionLoans, reducing the monthly repayment amount by nearly 700 yuan. This undoubtedly givesLoanshas brought a real reduction in burden, so thatLoansBuying a houseIt's easier.
However, we need to recognize that this is just a façade. Next, we will look at this problem in the context of Guangzhou's urban village transformation.
1. Guangzhou received a credit of 142.6 billion yuan for the transformation of urban villages
Recently, Guangzhou received a loan of 142.6 billion yuan for the renovation of urban villagesLine of credit。This is a huge amount that will undoubtedly provide strong financial support for the transformation of urban villages. The transformation of urban villages has always been an important task in Guangzhou, with the aim of improving the living environment and living quality of urban residents through the renovation of urban villages.
2. Funds in the renovation regulations**
Guangzhou's regulations on the transformation of urban villages clearly point out that the funds are mainly based on special subsidies provided by the state, supplemented by other funds. This shows that the state pays attention to and supports the transformation of urban villages, and borrowing does not dominate the capital**.
3. New progress in the transformation of urban villages in Guangzhou
Recently, Guangzhou held a high-quality conference, announcing that it will promote 494 urban village renewal projects this year, and promote the transformation of 149 urban villages to make important breakthroughs. This shows Guangzhou's determination and strength in the transformation of urban villages, and has made remarkable progress.
To sum up, the transformation of urban villages has an important position and influence in Guangzhou. And in the process, borrowing,LoansThe changes in words such as subsidies are worth pondering. The message from these changes could have a drastic impact on the entire market.
One of the biggest impacts of urban village renovation is the increase in housing**. However, we will find a contradiction: Guangzhou'sproperty marketObviously sluggish,Buying a houseThe momentum has weakened significantly, and the data from previous years** also illustrate the decline in demand. According to common sense, a decrease in demand should be accompanied by a decrease in **. However, why does Guangzhou vigorously promote the transformation of urban villages?
There may be an indescribable possibility. BorrowingLine of creditIt reached 142.6 billion yuan, which means that a large amount of capital will flow into the urban village renovation project in Guangzhou, and then gradually flow into the market. This is equivalent to a cash-based room ticket, which will have an impact on the funds of upstream and downstream enterprises.
In this process, the market will usher in a large amount of new funds, but commodities will not increase accordingly, and prices will begin to rise under the imbalance between supply and demand. At the same time,BanksDepositsInterestConstantly declining,LoansInterestIt is also gradually decreasingCurrencyThe value gradually depreciated. At the same time, the production capacity of better houses has also increased significantly (through the demolition of old ones), and the houses ** are relatively low, and the mortgagesInterest ratesIt may not be cost-effective to save money. And the residents of urban villages receive a large amount of compensation through demolition, which is converted into:Buying a housefunding, can we imagine how they will act?
Based on the above analysis, we can see that this is a big game that is slowly unfolding. I hope that everyone will be aware of this change in time and be prepared to deal with it.
Although the changes in the market have brought us some uncertainties, we can also find ways to deal with them. There are different recommendations for different groups of people:
1.Have the strength to buyPropertyPeople don't have to worry too much, they should seize the opportunity to buy their idealsPropertyto maintain resilience in new situations;
2.Those who already have assets should replace their assets as soon as possible in the first half of the year to avoid over-reliance on outdated assets;
3.If there are some items that you have always wanted to buy but feel that ** is too high, you can give priority to buying them this year.
In short, this is a sensitive and imminent stage of change, and I hope that everyone can make wise choices and keep up with the pace of the times.