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When the county magistrate took office, he had to set up a name, win over the gentry, pay taxes and donations, and they paid the money so that the people could pay the money. ”
Master Tang, Gao Ming, good intentions. ”
Master Huang was excited, and slapped his thigh, "I'll pay for it as bait." As much as I give, the two major families must give out. ”】
On February 20, the People's Bank of China announced the loan market ** interest rate (LPR) in February, with a 1-year and 5-year LPR** of 3 respectively45% and 395%, which was the same as the last time and decreased by 025 percentage points.
Experts said that the decline in the interest rate LPR in the loan market will effectively support the economy to continue to pick up.
Mortgages are coming down again, happy to mention the hot search, happy to run big.
Wen Bin, chief economist of Minsheng Bank, said that the LPR of more than 5 years has been lowered by 25 basis points, which is also the largest reduction in history.
Especially in the current situation of insufficient effective demand and weak expectations, it will help boost the confidence of market players, effectively reduce the comprehensive financing cost of society, and further expand aggregate demand.
The mortgage has dropped again, it's time for you to buy a house, right?
Recently, the 2024 edition of China's fertility cost report was newly released, and the report shows that from birth to undergraduate graduationThe average cost of raising a child is 680,000 yuan
The report estimates that raising a child until the age of 18 is equivalent to 6 percent of GDP per capita in China3 times. It is basically higher than all countries except South Korea, which has the lowest fertility rate in the world.
Netizens ridiculed: The cost of marriage and the cost of buying a house have not been counted, and the 680,000 yuan is only the cost of giving birth to children in 18 years on average.
The house is the bulk of the family's expenses.
Before this, Yao Yang, a professor at Peking University, had mentioned the problem of young people not getting married and not buying houses, "The main reason is that the housing prices are still too high and have not fallen in place." If the house price is cut in half and falls by 50%, you see whether the people buy it or not. ”
This point of view is overwhelmingly supported by the "sensualists" and condemned by the "intellectuals".
Housing prices are cut in half, and the basic market collapses.
The point of view is correct, but the mistake is that we do not recognize the reality.
Brothers of the rational faction, the basic plate has collapsed, haven't you seen it clearly?
Foreign countries are engaged in the fourth industrial revolution, and we are still counting on revitalizing real estate to continue its life, and the strength and depth of Lao Mei's neck are only afraid that it will be aggravated by three points.
Regardless of whether he lives or dies, he first solves the big group of people who just need it, housing prices have plummeted, and they just need to get on the car, and the willingness to buy a house and get married and have children can rise a few steps.
It's pure nonsense that you shout slogans to these 35 million singles and let them stimulate consumption.
The monthly salary is 3,800, and one person is full and does not raise flowers".
Without a mortgage, no wife, no family, no children, no cost of childbirth, parenting and education, how to stimulate consumption is a dead end.
Therefore, it is still the leader who is far-sighted: "We have to let them buy a house, let them get married, and let them have children." ”
There is no "soft underbelly" anymore, who still works hard to make money?
To this end, the regional leaders of Zhanjiang City, Guangdong Province, first made a "big move":
Encourage cadres to take the lead in buying houses to stimulate consumption.
On February 19, a "Proposal on Promoting the Stable and Healthy Development of the Real Estate Market in Chikan District, Zhanjiang City" was published on the official WeChat account of "Chikan Release".
It is mentioned that at present, the first level at all levels has successively introduced policies to stabilize the property market, and the district party committee and district have planned through multiple channels, actively connected with real estate enterprises to benefit the people, and jointly launched the "fixed price" special offer.
Hope vastlyCadres and workers take the lead in consumption, demonstration driven,Promote the recovery of the real estate market, continue to boost market confidence, and help the steady and healthy development of the real estate industry in the region.
Notice the word in the original text, "consumption".
The leader is still atmospheric, millions of houses, empty six wallets of "bulk commodities", in the eyes of the leader is like buying cabbage, as long as "hard work, more stimulation", the house is also a "leading consumer goods".
Leader, this is not to buy 2000 yuan of Yadea, nor to buy 7BYD of 80,000 yuan, this is a twenty or thirty years of "long-term consumption" with a down payment of hundreds of thousands and a monthly payment of several thousand.
This thing, driven by slogans alone, is not emotional.
If a cadre has no money, how can he spend it? If a cadre has money, he buys two or three sets at once, and finally is reported and finds out that the source of the property is unknown, what should he do?
Of course, the starting point is correct, and the comprehensive consideration is also correct, the work in the system is stable and the income is stable, it is not easy to "cut off the supply", and it is easy to force the carriage to call, even if the house is finally unfinished, this group of people with iron rice bowls, the ability to "lift the table" and the confidence of "lifting the table" must be weaker than the second generation of migrant workers.
Moreover, the houses have been sold, the GDP has gone up, the local taxes have gone up, and finally some subsidies have been given to some benefits, which is still "enjoyed by cadres first".
It was just perfect! Houses are sold, GDP is there, consumption is stimulated, taxes are up, and the economy is circulating.
The popularity and heat of buying a house have come up again, and wait-and-see and ticket holders are not allowed to follow the trend and get on the bus?
It's just that the impact of the three-year pandemic, coupled with the slowdown in global economic growth, has led to an important reality that the leaders' stimulus consumption measures have ignored:
"Two families" and "the people of Goose City", do you still have money to follow?
After 20 years of rapid running, the family foundation has been hollowed out to 30 years later, "the people have become poor ghosts, and there is no oil and water to squeeze".
Master Tang, what do you say now?
Cadres taking the lead in buying houses for consumption is not unique to Zhanjiang.
When the exhaustion is exhausted, it is the eight immortals who have crossed the sea to show their magical powers.
The "cadres" are "more conscious" than the "masses", and the "consciousness" is definitely higher; The masses have weaknesses, and cadres are no exception; moreover, there is no surplus grain in the peasants' homes, and the cadres' families still have some iron wages.
Squeeze it, and you can still get some money.
You are a cadre, if you don't take the lead, who will take the lead. ”
Therefore, Wuxi, Jiangsu,College students are encouraged to take out loans to buy houses
Beijing Municipal Commission of Housing and Urban-Rural Development, the elderly over 60 years old buy a house, with a minimum down payment of 35%.Children can apply for a loan together
Funing County, Yancheng City, Jiangsu Province, Huadian City, Jilin City (county-level city), Qinglong County, Guizhou Province, Ningnan County, Liangshan Yi Autonomous Prefecture, Sichuan Province, Qianshan City, Anqing City, Anhui Province (county-level city) and other counties have been released one after anotherEncourage farmers to go to the city to buy housespolicies including:Farmers who voluntarily withdraw from their homesteads and go to the city to buy houses and settle down can enjoy a reward of 50,000 yuan, enjoy housing provident fund loans, etc.;
Yulin, Guangxi, Qingdao, Shandong, have successively launched a feat:Civil servants go into the village to sell housesand include the work in the 2022 annual work performance appraisal;
Qingdao is still a little more conservative.
Civil servants can't go into the village to sell, but the house still hasn't been sold.
Therefore, Zhanjiang directly enlarged the move:
There is no need to go into the village to sell, and there is no performance appraisal, no one comes to buy it, you can go to it yourself, you can buy this house yourself.
Like the number of roads that don't look like "insurance companies":
Recruit a group of salesmen first, let them sell insurance, and under the three-month performance appraisal, an insurance is not sold, "or you can buy one yourself, and put pressure on performance." ”
Master Qingtian, I really don't have any money! ”
Take a closer look, it turns out that in the face of work pressure and performance appraisal, everyone is equal, and cadres are no exception.
It's just that I heard that career editors are relaying non-staff personnel, civil servants are also cutting salaries, and subsidies and bonuses have been cut in half at the end of the year.
The belt of his pants is almost tightened to his neck, can he still take out the surplus food at home to consume the house?
Or, take a point from ** first? Isn't Big A up today?
Cadres, listen to my advice, buy it first, now it is the "official document initiative to take the lead in consumption", and if you don't obey, there will be a red-headed document of "voluntary principle" left, and the leader has a private meeting in the middle of the night:
Xiao Li, as a cadre, you must have ideological awareness. ”
On September 24, 2022, Shimen County, Changde City, Hunan Province, held a county-wide leading cadres meeting to announce the decision of the provincial party committee and the municipal party committee on the adjustment of the main leaders of the Shimen County Party Committee
Comrade Deng Bibo no longer holds the posts of secretary, member of the Standing Committee, and member of the Shimen County CPC Committee, and has another appointment. ”
In February 2024, the leadership team of the Changde Municipal Party Committee Office no longer has the relevant resume of Comrade Deng Bibo.
In Shimen News Network, the last report on Secretary Deng Bibo, Secretary of the Shimen County Party Committee, is "Deng Bibo presided over the special scheduling meeting of the enterprise "Relief and Problem Solving".
The article was published on July 28, 2022, just before Secretary Deng Bibo's encouragement to "take the lead in buying a house with one or two sets".
After that, there were no more reports about Comrade Deng Bibo.
So here, the question arises:
If a cadre has a house, and then encourage him to take the lead in buying a house to stimulate consumption, that is, to buy 2 sets of 3 sets, is this buying a house for consumption, or "speculating in a house"?
In this case, is it contrary to the ** policy of "housing not speculation"?
So, in the end, do we want to encourage "cadres to buy more houses", or do we need to solve the problem of "letting those who just need to get on the bus first"?
In other words, the policy can also be adjusted, "it has to adapt to the changes of the times", whether it is speculation or buying a house, as long as the house can be sold, it is a "good cadre"?
If you really play like this, then the follow-up interest rate reduction and housing price reduction will be subsidized, and the real estate speculation group will come in to play again.
Can the "public rental housing" model in Shenzhen continue to operate successfully?
The last half of the "low-rent housing" and "affordable housing for the people" in the northeast have been occupied by "cadres".
The real estate economy and model have come to this day, and the reason why the people who just need it are reluctant to get on the car anymore is, to put it bluntly, "lose their sense of security and trust".
They resolutely pursue the concept of "bad things come to me, and good things don't come to me" small people's survival philosophy.
Therefore, all kinds of "stimulus", "good", "benefit", they no longer believe it.
The shopkeeper who sells cold noodles is not a fool, his head was broken, he knelt down in front of the yamen, and he witnessed the death of Liuzi in the martial arts hall, he was afraid and clearly realized:
I can't play Master Huang, I can't play the two families, I can only pray to run this jelly shop.
The basic essence of the materialist's law of survival is this sentence:
Recognize reality and abandon illusions.
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