The opportunity of each year is not to gamble up or down, but to find opportunities. “> real estate information station (ID: dichanqbz), author: can Xin, an authorized reprint.
As the Chinese New Year approaches, the central bank has continued to make great moves, adding a lot of liquidity, which has also affected the property market and the time of purchase. Whether you want to buy a house or sell a house, Xiaoyangchun in 2020 is a test of IQ. Together Get to know the webmaster.
Large fund investment Enhancing economy and property market
On January 19, the People’s Bank of China launched a 200 billion yuan reverse repo operation. At this point, the central bank recently invested a total of RMB 110 billion in “reduction of standards” in the market, reflecting a scientific and steady approach to monetary policy’s countercyclical adjustment.
In the most popular terms, “reduction of standards” is equivalent to the “free long-term capital injection” given to commercial banks by the central bank, allowing commercial banks to implement greater “loans” to alleviate market capital needs.
The standard reduction during the Spring Festival is a basic law, known as the “Spring Festival effect”. As for the reason, of course, there is a large demand for funds such as transportation and gifts during the Spring Festival to promote economic vitality and development.
For the real estate market, the bank has more money, the approval of housing loans will definitely be accelerated, and the time for lending will be shortened. Because of the huge amount of funds, housing loans are easier than usual, which will stimulate consumer demand and housing loan demand, which can stimulate the growth of the consumer economy.
Xiao Yangchun is about to come Unlocking and making money is both good
The webmaster believes that just before the New Year’s Day, coupled with the No. 19 reduction, many good things will come together, and the 2020 Xiaoyangchun probability will be staged again. During this period, if there are some houses that are not easy to sell in the hands of the station friends, such as suburban real estate, tourism real estate, commercial and residential apartments, you can throw them away in a hurry.
There are many buyers in Xiaoyangchun, and house prices will be higher. Those with multiple suites and replacement needs can also sell high during the Xiaoyangchun period in order to secure their bags. After all, the money on the account is the real money.
Of course, selling a house also requires skill. People who are interested in selling a house may wish to hang out the house they want to sell now, test the market, and observe how much to look at. As soon as the Spring Festival arrives, you can increase the price as long as the amount of viewing is increased. The more you see, the higher the asking price.
No change in LPR in January
LPR (basic loan interest rate). This morning, the LPR was released in January 2020. The value has not changed. The one-year period is still 4.15%, and the five-year period is still 4.80%. The webmaster believes that this is because of the recent peopleThe currency exchange rate is relatively strong, so there is less room for reduction. However, the impact is small, this year’s Spring Festival is early, you can wait and see.
For friends who haven’t bought at the end of 2019, it doesn’t matter, hurry up and make money. You can choose several real estate based on your own funds, and then analyze the traffic, school district, area, elevator, supporting, and commercial factors of the real estate. After Xiaoyangchun in 2020, the policy will be loose and the house will be concessionary.
The webmaster wants to remind you that the house is not perfect, especially under the general budget, if you can meet two at the same time, you can shoot.
When you sign a loan contract with a bank, if you want to fully enjoy the benefits of lowering the mortgage interest rate, you should choose to adjust the loan interest rate once a year. Because the mortgage interest rate has entered the downward channel, it may be slightly reduced once a month or several months in the future.
If your income is stable and the repayment is very guaranteed, you should choose a long time for the loan, and choose the same principal and interest with the same monthly repayment amount. Do not choose the same amount of principal that starts the monthly payment. Because the current mortgage interest rate of 4.8% is already the lowest in 30 years, and it may continue to decrease in the next few years.
Will interest rates be cut in 2020?
Regarding whether to cut interest rates, the webmaster believes that the key is to see the change in the CPI index, that is, the price level. In January 2020, the CPI index has risen to 2.9%. In other words, the pressure of inflation from January to February 2020 is still relatively large. In the second quarter of 2020, the market expects the year-on-year growth rate of CPI to slow down due to the increase in the base.
Data source: wind
As we all know, a large part of the increase in CPI is due to rising pork prices. From the production side, the webmaster found that the breeding sow stock could stop falling and pick up in October 2019, and the chain rose by 4% in November. However, because there is a 9-10 month time lag between fertile sow and hog supply, and the low point for fertile sow in 2019 appears in September, this will mean that the pressure on pork supply may continue until 2020 in. If this is the case in the future, a larger rate cut will have to wait at least until the second half of 2020.
The webmaster believes that just before the New Year’s Day, coupled with the No. 19 reduction, many good things will come together, and the 2020 Xiaoyangchun probability will be staged again. During this period, if there are some houses that are not easy to sell in the hands of the station friends, such as suburban real estate, tourism real estate, commercial and residential apartments, you can throw them away in a hurry.
There are many buyers in Xiaoyangchun, and house prices will be higher. Those with multiple suites and replacement needs can also sell high during the Xiaoyangchun period in order to secure their bags. After all, the money on the account is the real money.
Of course, selling a house also requires skill. People who are interested in selling a house may wish to hang out the house they want to sell now, test the market, and observe how much to look at. As soon as the Spring Festival arrives, you can increase the price as long as the amount of viewing is increased. The more you see, the higher the asking price.
No change in LPR in January
LPR (basic loan interest rate). This morning, the LPR was released in January 2020. The value has not changed. The one-year period is still 4.15%, and the five-year period is still 4.80%. The webmaster believes that this is because of the recent peopleThe currency exchange rate is relatively strong, so there is less room for reduction. However, the impact is small, this year’s Spring Festival is early, you can wait and see.
For friends who haven’t bought at the end of 2019, it doesn’t matter, hurry up and make money. You can choose several real estate based on your own funds, and then analyze the traffic, school district, area, elevator, supporting, and commercial factors of the real estate. After Xiaoyangchun in 2020, the policy will be loose and the house will be concessionary.
The webmaster wants to remind you that the house is not perfect, especially under the general budget, if you can meet two at the same time, you can shoot.
When you sign a loan contract with a bank, if you want to fully enjoy the benefits of lowering the mortgage interest rate, you should choose to adjust the loan interest rate once a year. Because the mortgage interest rate has entered the downward channel, it may be slightly reduced once a month or several months in the future.
If your income is stable and the repayment is very guaranteed, you should choose a long time for the loan, and choose the same principal and interest with the same monthly repayment amount. Do not choose the same amount of principal that starts the monthly payment. Because the current mortgage interest rate of 4.8% is already the lowest in 30 years, and it may continue to decrease in the next few years.
Will interest rates be cut in 2020?
Regarding whether to cut interest rates, the webmaster believes that the key is to see the change in the CPI index, that is, the price level. In January 2020, the CPI index has risen to 2.9%. In other words, the pressure of inflation from January to February 2020 is still relatively large. In the second quarter of 2020, the market expects the year-on-year growth rate of CPI to slow down due to the increase in the base.
Data source: wind
As we all know, a large part of the increase in CPI is due to rising pork prices. From the production side, the webmaster found that the breeding sow stock could stop falling and pick up in October 2019, and the chain rose by 4% in November. However, because there is a 9-10 month time lag between fertile sow and hog supply, and the low point for fertile sow in 2019 appears in September, this will mean that the pressure on pork supply may continue until 2020 in. If this is the case in the future, a larger rate cut will have to wait at least until the second half of 2020.