Even the accumulation fund interest rate this move out of the house price will go up – Sohu financia 刘伊心被水冲掉泳衣

Even provident fund interest that are out of the rising prices also rose? – Sohu financing when the financial help owners are still pondering the "January mortgage surge" means what data, the central mother and broke the news: the provident fund deposit rate rose to a one-year bank deposit level, namely 1.5%. Previously, the provident fund accounts of the money the first year only get current interest, which is 0.35%; after more than one year is March deposit rate is 1.1%. Once users have quickly figured, if there are 100 thousand reserve related stock movements gold account, then a year down to more than 400 yuan. While the amount of loans surge, while the real estate policy frequent positive, there seems to be a voice: prices rose once again, do not buy, 90 are old…. The surge in new loans, property stocks fell to a low of just yesterday, the central mother released data show that in January China’s RMB loans increased by 2 trillion and 510 billion yuan, an increase of 1 trillion and 40 billion yuan. The household sector loans increased 607 billion 500 million yuan, and most of them came from the increase in long-term loans contribution. According to Centaline statistics, January, including Beijing’s real estate market also appear warmer signs, the stock fell to the lowest point. From the historical data, the calendar year of January were credit highs, but this year the new credit scale far beyond the seasonal factors. Kyushu Securities chief economist Deng Haiqing said for example, over the past three years, in January the average is only 1 trillion and 300 billion. According to Shenwan Hong chief macroeconomic analyst Li Huiyong analysis, long-term loans, new loans increased significantly, mainly due to the sale of real estate and investment. China Merchants Securities chief macroeconomic analyst Yan Ling also believes that the end of 2015 the real estate sales strong, pull the housing mortgage demand increases, the residents of long-term loans to a record high. Then, the credit surge in the country to relax monetary policy rhythm? You remember, in 2015 National Day just after the central mother had two successive release "strokes" to stimulate credit. One of them is deleted, has been implemented for 20 years of commercial bank deposit ratio of 75% regulatory indicators. The original banks to absorb deposits of 100 yuan, only released a loan of 75 yuan, another 25 yuan to be retained down. Cancel the loan to deposit ratio, in theory, the other 25% can also lend. At that time it was estimated that it can increase the loan amount of 7 trillion, the property market will become an important entrance of funds. In October 11th, the central bank decided in Shanghai, Tianjin, Liaoning and other 9 provinces (city) to promote credit asset pledge loan pilot. That is to say, users can easily get more loans to mortgage funds. According to the latest body, the relaxed rhythm perhaps will be continued. In February 2nd, the financial Chinese Academy of Social Sciences and Social Sciences Documentation Publishing House jointly issued a "blue book" financial. According to the blue book is expected under the expansionary policy is expected in 2016 monetary policy may introduce some strong stimulus measures, including the expected M2 growth rate, the size of new loans growth rate may exceed 20%. Now buy a library.

连公积金涨利息这招都出了 房价还要涨吗?-搜狐理财  当理财帮帮主还在琢磨“1月房贷激增”数据意味着什么时,央妈又爆出一消息:把公积金存款利率,涨到一年期银行存款的水平,即1.5%。以前,公积金账户里的钱第一年只能拿活期利息,也就是0.35%;超过一年后是三月期存款利率,即1.1%。马上有网友迅速算了一下,如果公积 相关公司股票走势 金账户里有10万,那么一年下来能多出400元。   一边是房贷数额激增,一边是房产政策利好频出,似乎有一个声音响起:房价马上又要涨了,再不买房,90后都老了。。。。   新增贷款激增,楼市库存降至低点   就在昨日,央妈公布数据表明,1月份我国人民币贷款增加2.51万亿元,同比多增1.04万亿元。其中住户部门贷款增加6075亿元,而当中大部分来自于中长期贷款增加的贡献。另据中原地产统计,1月份包括北京在内的房产市场也出现“回暖”征兆,库存降到最低点。   从历史数据看,历年1月均为信贷高点,但今年新增信贷规模远超季节性因素。九州证券首席经济学家邓海清举例称,过去三年1月均值仅为1.3万亿。   根据申万宏源首席宏观分析师李慧勇分析,新增贷款中的中长期贷款大幅增加,主要是受房地产销售和投资的拉动。招商证券首席宏观分析师闫玲也认为,2015年年末房地产销售旺盛,拉动住房按揭需求增加,居民中长期贷款得以创历史新高。   那么,此次信贷激增,是国家要放松货币政策的节奏吗?   帮主还记得,2015年国庆节刚过,央妈就曾接连放出两个“大招”来刺激信贷。其中一项是,删除了实施已有20年之久的商业银行75%存贷比监管指标。即原本银行吸收100元的存款,只能放出75元的贷款,另外25元必须留存下来。   而取消存贷比以后,理论上,另外25%也可以放贷。当时就有人估计,此举能增加7万亿的可贷款量,楼市股市将成为资金的重要入口。   10月11日,央行再决定在上海、天津、辽宁等9省(市)推广信贷资产质押再贷款试点。也就是说,用户可以通过贷款再抵押轻易获得更多的资金。   根据最新的机构预计,这种松绑的节奏或许将得到持续。2月2日,中国社会科学院金融所及社会科学文献出版社共同发布了《金融蓝皮书》。据蓝皮书预计,在扩张性政策的预期之下,2016年货币政策调控可能会出台一些强有力的刺激措施,包括M2预期增长率、新增贷款规模增长率均可能突破20%。   现在买库存房是抄底还是接棒?   理财帮帮主觉得,单就2015国庆节后央妈放出的两个“大招”来看,无论是购房者还是房企,在此信贷政策下,获得钱的门槛都进一步降低。也就是说,买房将更加容易。当时甚至有人高呼,此举类似于2008年时的4万亿救市,将再次拉着房价暴涨。   在今年春节前,央行又联合银监会发布房贷新政,居民家庭通过商业贷款首次购买普通住房,最低首付款比例可降至20%(原25%);而对拥有1套住房且相应购房贷款未结清的居民家庭,最低首付款比例调整为不低于30%(原40%)。   目前来看,虽然“暴涨”尚未出现,但部分城市已经出现了回暖的态势。中原地产的统计显示,北京1月二手房成交24312套,创近34月以来的新高。而新建商品住宅由于供应减少,成交量环比下降,只有3815套,但成交均价仍在3万元 平方米以上。同期,商品住宅库存下滑到65167套的新低点。   可能有人要问了,那是不是表明抄底的时刻到了,接下来会不会出现一轮“暴涨”呢?   近年来“去库存”一直写在监管机构及房企年度规划的重心。农业银行战略规划部宏观经济金融研究处处长付兵涛近日在接受媒体采访时表示,“房地产的大拐点已经过去,不能指望房价还会有动辄50%的增长空间,但是发展前景还很大。”付兵涛认为,城镇化还远远没有完成,还有大量虽然已经进城但目前还住在地下室、棚户区、偏远城郊等人口的改善型住房需求。   融创中国董事长孙宏斌也曾表明,房产市场再次“暴涨”出现的可能性比较低。今年1月初,他在上海出席媒体会时说到,“现在房地产市场风险很大,尽管利率越来越低,但利率不会永远下降。2011年前后出现的房地产低谷也表明,房价不可能像大家想象的一样一涨起来就停不住。”   当然,一些人也在担心,如果不出现大涨,反而是继续下滑,现在去买库存房,万一接到最后一棒怎么办?   理财帮帮主节间与一些朋友交流,发现一个很普遍的现象:家在农村甚至三四线城市的人在大城市购房的意愿越来越强,即使家里的房子价格比大城市低很多、闲置率又很高。新浪财经专栏作家向小田在节间发起的回乡草根调研也表明,核心城市就像黑洞一样吸引周围县域农村的人口。而在2012年全国人口出现拐点后,县域房地产马上触顶,一个直接的原因就是人口没有增量同时存量也在流失。他甚至得出一个大胆的结论,“省域副中心以下的城市房地产基本上是没有希望的。”   名经济学家李迅雷也于近日撰文表示,中国的房地产市场已持续了16年的繁荣,但也是从全面繁荣过渡到局部繁荣,从人口推动到资金推动,从大涨到小涨再到有涨有跌,今后必然会有滞涨和普跌的过程。“目前国内房地产行业的最大压力是库存过大,这主要还是集中在二、三、四线城市,同时还要避免房价出现大跌,因为房价大跌基本上就等同于金融危机。”   有业内人士跟帮主说过,就像去年深圳房产市场逆势大涨一样,在未来的时间里,一二线城市的楼市行情与三四线城市或许将产生比较大的反差。“因为现在的房价不是单纯的成本考虑,还有其他的很多因素”。相关的主题文章:

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