Real estate is not only the bottom of the policy, but also has been dug into the basement! In fact, since last year, more than 100 cities have lowered their mortgage interest rates. According to the data of the central bank, the interest rate in the first quarter was lowered by 14 basis points compared with the end of last year, while the five-year LPR was only lowered by 5 basis points in the same period.

This time, the central bank lowered the interest rate of the first suite from the national unification level. Measures such as relaxing purchase restrictions, sales restrictions and subsidies in major cities have long come out. It can be said that except for the first-tier four major cities, almost all cities have relaxed their control policies.

This shows that we can't hold on, and we still have to rely on real estate! Looking at the monetary data in April, it can be called a cliff-like decline: many data are actually worse than the epidemic in 2020. It can be said that not only monetary data, but also consumption and investment data in April may have a direct negative growth, and April is the highlight of the epidemic.

Social financing and new loans fell sharply. In April, the scale of social financing in China increased by 9 102 billion yuan, with the previous value of 4.65 trillion yuan. In April, China increased RMB loans by 645.4 billion yuan, with the previous value of 365.438+025.4 billion yuan.

Among them, the increment of mortgage has also been greatly reduced, and mortgage is one of the leading indicators of house prices, so it is hard to say that house prices have bottomed out. Therefore, if you want to buy a house at the bottom, you may wish to wait until the growth rate returns to positive. As for the time when you had to invest and pay most people's wages, it is gone forever, and the population ceiling has been decided.

M2 increased by 65,438+00.2% year-on-year, which many people don't understand. In fact, it's mainly the cardinal number. It was 249 trillion in March and 249 trillion in April, but the year-on-year growth rate was high and the chain was basically unchanged.

Generally speaking, people are unwilling to invest and consume, which is the root of the problem. The epidemic only accelerated the process. In terms of infrastructure this year, the country should start to exert its strength, and it is estimated that the growth rate will reach 10%, but the total investment in infrastructure has been very small, which is far from 2008!

However, the consumption that contributed nearly 58% of GDP has been negative growth. It is time to save consumption! I am old and boundless, and we will meet eventually. I wish you happiness!