标签归档 南京桑拿论坛

　　CCTV News:The People’s Bank of China issued an announcement on September 29th to guide the interest rate of existing mortgage loans to be lowered in batches. At the same time, the self-discipline mechanism of market interest rate pricing issued an initiative to lower the interest rate of existing mortgage loans in batches.

　　The People’s Bank of China issued an announcement to improve the interest rate pricing mechanism of commercial individual housing loans. At the same time, the self-discipline mechanism of market interest rate pricing issued an initiative. In principle, all commercial banks should carry out batch adjustment of eligible stock mortgages before October 31, 2024, and uniformly adjust the stock mortgage interest rate above -30 basis points on the loan market quotation rate (LPR) to not less than -30 basis points, and not less than the lower limit of the newly issued mortgage currently implemented in the city, so that the interest rate level is close to the national new mortgage interest rate, and the average decline is expected to be about 0.5 percentage points.

　　Wang Qing, chief macro analyst of Oriental Jincheng, said that two signals were released, the first one was to boost residents’ consumption, and the second one was to promote the real estate market to stop falling and stabilize. It is equivalent to giving "reassurance" to families with existing mortgages, which is conducive to promoting the real estate market to stop falling and stabilize as soon as possible and avoid affecting household consumption.

　　Unified adjustment to the loan market quotation rate of -30 basis points.

　　What level can the borrower’s interest rate drop after batch adjustment? According to industry insiders, due to the different repricing dates, the interest rates of different borrowers will be different after batch adjustment, but after the repricing date, the interest rate will drop to the vicinity of the national new mortgage interest rate.

　　The "Initiative on Batch Adjustment of Interest Rate of Stock Mortgage" clearly states that in the batch adjustment stage, commercial banks will reduce the increase range of stock mortgage above -30 basis points on the quoted interest rate (LPR) of the loan market to -30 basis points, and it will not be lower than the lower limit of the newly issued mortgage currently implemented in the city. Simply put, it is a unified adjustment to the loan market quotation rate (LPR)-30 basis points.

　　By the end of July, the weighted average interest rate of all existing mortgages was about 4.06%. In the first eight months of 2024, the average interest rate of new mortgage loans nationwide was 3.61%. According to the initiative, the interest rate of existing mortgage loans will be reduced to about 3.55% after batch adjustment. After adjustment, the interest rate will be reduced by about 0.5 percentage points compared with the 4.06% before adjustment, and the expected decline is average, which will be different for each contract.

　　It is estimated that the policy will benefit 50 million families.

　　After the adjustment, how much interest can buyers save?

　　Take the stock mortgage with a maturity of 1 million yuan, 25 years and equal repayment of principal and interest as an example. Assuming that the interest rate of the mortgage is reduced from 4.4% to 3.55%, the borrower’s interest expense can be saved by about 5,600 yuan per year. After the batch adjustment is completed, it is expected that this policy will benefit 50 million families and 150 million people, and save 150 billion yuan for the families with existing mortgages every year.

　　Experts said that after the adjustment of the stock mortgage, the early repayment will be significantly reduced, which will also help banks stabilize the loan scale and improve the loan quality.

　　Support first-tier cities to make good use of the autonomy of real estate market regulation

　　On the evening of September 29th, the Ministry of Housing and Urban-Rural Development said that it supports cities, especially first-tier cities, to make good use of the autonomy of real estate market regulation and adjust the housing purchase restriction policy due to the city’s policy.

　　The Ministry of Housing and Urban-Rural Development said that all localities should respond to the concerns of the masses, support cities, especially first-tier cities, to make good use of the autonomy of real estate market regulation, and adjust the housing purchase restriction policy according to the city’s policy. It is necessary to strictly control the increment of commercial housing construction, optimize the stock, improve the quality, give play to the role of urban real estate financing coordination mechanism, increase the approval of "white list" loans for projects, meet the reasonable financing needs of real estate projects, and fight a tough battle to ensure the delivery of commercial housing projects.

　　Wang Ruimin, an associate researcher at the Institute of Market Economy of the State Council Development Research Center, said that the Ministry of Housing and Urban-Rural Development supports cities, especially first-tier cities, to make good use of the right of independent regulation of the real estate market. He believes that it has positive boosting value and significance for boosting the confidence of the real estate market in first-tier cities and even the confidence of the national property market. First-tier cities are a weather vane of the national real estate market, and the recovery of the housing market in first-tier cities will also help boost the national real estate market and stabilize it as soon as possible.

　　The Ministry of Housing and Urban-Rural Development requires that all localities should actively implement urban renewal actions and make efforts to build green, low-carbon, intelligent and safe "good houses". Accelerate the transformation of villages in cities, dilapidated houses in cities and old urban communities, strengthen the renovation of urban underground pipelines, and improve urban infrastructure and public service facilities.

　　Establish a long-term mechanism for adjusting the interest rate of existing mortgage loans

　　The announcement issued by the People’s Bank of China this time has also established a long-term mechanism for the gradual and orderly adjustment of the interest rate of existing mortgage loans. If the new mortgage interest rate continues to decline in the future, when the existing mortgage interest rate deviates to a certain extent from the national new mortgage interest rate, the borrower can negotiate with the bank and apply for lowering the existing mortgage interest rate to near the new mortgage interest rate level.

　　A package of real estate financial measures has accelerated.

　　On September 29th, the People’s Bank of China and the State Financial Supervision and Administration Bureau also issued a notice to further optimize the real estate policies such as the minimum down payment ratio of individual housing loans and the refinancing of affordable housing.

　　The People’s Bank of China and the State Financial Supervision and Administration Bureau issued a notice, for households who purchase houses by loans, commercial personal housing loans will no longer distinguish between the first and second houses, and the minimum down payment ratio will be no less than 15%.

　　At the same time, it also announced that the application period of policies such as supporting the reasonable extension of stock financing such as development loans and trust loans will be extended to December 31, 2026.

　　The People’s Bank of China also decided to adjust and optimize matters related to the refinancing of affordable housing. For eligible loans issued by financial institutions, the proportion of refinancing loans issued by the People’s Bank of China to financial institutions has increased from 60% to 100% of the loan principal.

　　Shanghai, Guangzhou and Shenzhen adjust housing purchase restriction measures

　　Just after the statement made by the Ministry of Housing and Urban-Rural Development on the evening of September 29th, Shanghai, Guangzhou and Shenzhen successively announced the adjustment of purchase restriction measures. Previously, Nansha District of Guangzhou had announced the complete cancellation of the housing purchase restriction policy. According to industry insiders, the pace of adjustment of purchase restriction policies in first-tier cities is expected to accelerate further.

　　On the evening of September 29th, Shanghai announced that it would shorten the social security or individual tax period for non-Shanghai residents to buy houses outside the Outer Ring Road, and improve the housing purchase treatment for those who hold the Shanghai Residence Permit and have reached the standard score. At the same time, implement a more differentiated housing purchase policy in the Lingang New Area of the Free Trade Zone.

　　Subsequently, Guangzhou announced the complete cancellation of various purchase restriction policies for households to purchase houses, and Shenzhen also announced the optimization of the purchase restriction policy for partitioned houses. Compared with the three cities, Guangzhou was completely abolished, while Shanghai and Shenzhen were further optimized and adjusted on the original basis. In fact, before this, on September 27, Nansha District of Guangzhou announced the full liberalization of housing purchase restrictions, and no longer reviewed the qualifications for purchasing houses.

　　At present, some cities in Beijing, Tianjin and Hainan are still implementing the purchase restriction policy and have not been further adjusted. In the eyes of the industry, it is expected that before and after the "Eleventh", other cities are expected to further narrow the scope of the loan restriction policy, and accelerate the follow-up implementation of lowering the down payment ratio and mortgage interest rate of second homes to better support the demand for improved housing.

　　The novel I Do by Chen Tong, a best-selling author, has attracted numerous readers. Now, this novel is about to be put on the big screen.

　　It is reported that the film "I Do" was invested and filmed by Forbidden City Film and Beijing Fengyi Media, and integrated marketing by Jusi Media. Recently, the relevant person in charge of the film told reporters that although I am willing to focus on the theme of "leftover women" that has been repeatedly involved in literary and artistic works, it is by no means a speculation of leftovers, which not only makes Tang Weiwei, the No.1 woman, break the usual impression that "leftover women are worthless", but also gives her a title that can fight against "bachelor of diamonds" — — "Emerald Tang Weiwei".

　　At the same time, the reporter learned that the film has been finalized to be directed by Sun Zhou, with Sun Honglei playing first hero, and female No.1 has also locked in a heavyweight actress.

Story: Turning "Leftover Women" into "Emerald"

　　From "Rushing Forward One by One" to "Happiness Knocks on the Door", from "Spring of Zhang Xiaowu" to "Spring of Li Chuntian", these themes of smiling women on the screen are all guaranteed by good stories, and "I Do" is no exception. Its original author, Chen Tong, is famous for her works such as "I really want to fall in love", "The New Marriage Age" and "The Bottom Line for Men". She has a keen insight into the feelings of both sexes and is optimistic about marriage and family on the basis of pessimism. Although her words are cold and cheerless, her views are sharp, but she is full of warm tones and humorous words. Many people rated her as "the first writer of marriage in China". After Wang Hailing, she was another emotional writer who elaborated love and marriage hardships with delicate handwriting, which triggered social thinking.

　　When the novel I Do was first published, it was once titled as "leftover women’s novel", "blind date guide" and "raiders of love". This book interprets the reasons for the emergence of leftover women: it is not because they are too educated, too beautiful and too good at work, but because they ignore the core issue — — I can’t meet the man who is willing to let her say "I do". This remake of the film version will not only capture all the existing hot topics about the "Golden Leftover Women", but also make the heroine Tang Weiwei more successful and better than the novel, which is called "Emerald Tang Weiwei".

　　Talking about the idea of changing "leftover women" into "emerald women", the relevant person in charge of the film said: "Why are only men who are successful and rich ‘ Bachelor of diamonds ’ ? Those independent, confident and successful women are called leftover women? In our opinion, they can communicate with ‘ Bachelor of diamonds ’ Comparable ‘ Emerald girl ’ . In fact, most of the leftover women are good women, not that they are not outstanding, but that their Excellence makes less outstanding men flinch. "I do" just wants to tell men that leftover women are not so high, inaccessible and elusive. As long as men are brave and pursue a more primitive method, it is not so difficult to pick up outstanding leftover women to be wives. "

　　It is reported that in addition to the emotional entanglements between Tang Weiwei and the two leading men, the film also packages the marriage views of married girlfriends, the intimate analysis of ex-boyfriends, and the wedding hunting tactics of attractive colleagues.

Actor: Sun Honglei plays first hero.

　　Although "I Do" is an urban romantic comedy, the relevant person in charge of the film told reporters that the film will not be "made small" because the theme seems to be "small sentiment", but will outline a fashionable, modern and atmospheric modern urban background. The emotional topics involved in the film have universal social significance, and most of the protagonists are senior white-collar workers, so the quality of the film must be guaranteed.

　　It is reported that the film has built a luxurious behind-the-scenes team. The main people behind the scenes are the first-line elites in the industry, and the shooting venue will try its best to get close to the real world. "This will definitely increase the capital investment, but we are making a film towards the standard of fine products, and the big investment is also to ensure the high quality of the film." The person in charge of the film revealed that it can be made public that "I do" is directed by the famous director Sun Zhou, and domestic first-line actor Sun Honglei will be appointed as first hero.

　　In fact, directors Sun Honglei and Sun Zhou have cooperated for a long time. The film they released in 2002 is a classic. It was because of that movie that Sun Honglei suddenly attracted the attention of the audience and quickly jumped into the ranks of first-line male stars. According to reports, after reading the script of I Do, Sun Honglei agreed to join without thinking, a large part of which was due to his trust in director Sun Zhou. When it comes to their reunion after nine years, director Sun Zhou and Sun Honglei are full of expectations, and they also hope that I Will become an emotional masterpiece comparable to Zhou Yu’s Train in artistic quality.

　　In recent years, Sun Honglei has frequently appeared in masterpieces by famous directors, and his films are basically both word-of-mouth and box office. In particular, Qiu Rubai and li xiangshan not only helped him get rid of the image of a "tough guy professional", but also praised his acting skills by the industry and the audience. More importantly, Sun Honglei dares to try new types of roles, and harmony is an example of his challenge to himself.

　　Regarding his role in I Do, Sun Honglei said that he had played similar roles before, but they were not exactly the same, and he was definitely a very attractive figure. As for which female star will be paired with Sun Honglei in the film, the film said that because Sun Honglei’s strength is beyond doubt, the actress must also have enough aura to set off. At present, they can only reveal that she is definitely a heavyweight first-line female star.

　　　 Recently, the fifth season of "Creative Starry Sky", which is being broadcast on the movie channel at 6:25 every night, has entered the fierce competition in the modern clothing unit. At the same time, the mission challenges of the show have also begun to become more and more down-to-earth. A series of topics composed of new concepts on the Internet, such as "Otaku Goddess" and "Female Man", also refreshed the audience. In the "Otaku Goddess" task, Gao Xiaosong, who has the most Otaku temperament, and Zhao Liying, who has the most Muse temperament, plus Xu Jianshu, who has the most rich and handsome temperament, are paired with the most theatrical judging team.

　　　 On the same stage as Muse, Gao Xiaosong inadvertently began to respectfully call "Gao Fu Shuai" Xu Jianshu as a "local tyrant", and Xu Jianshu began to compliment the "otaku" genius Gao Xiaosong as a loser. The needles of the two Jianghu celebrities were returned, but they were completely covered up by the brilliance of the new generation of Muse Zhao Liying. When Zhao Liying appeared on the recording site of the show, the madness of his fan team really made the program team somewhat unable to resist.

　　　 However, unlike the enthusiasm of fans, Zhao Liying’s gestures reveal a restrained and humble temperament – the posture of weak Liu Fufeng, without any carving. As if to make a footnote to Zhao Liying’s brilliance. When Gao Xiaosong talked about what is an "otaku goddess", he said: Muse should be clean, reject material girls, elegant light makeup, and supple bangs are the most charming signs.

　　　 In the program, Gao Xiaosong shared a story about teaching his grandfather to go online for the first time. His grandfather’s first request to go online was to search for a photo of Muse "Marilyn Monroe" in his mind. When Mr. Gao talked about the muddy eyes of the 80-year-old man suddenly flashing with the brilliance of a teenager, the audience was moved. Gao Xiaosong, who is not confused in his recent years, still has a spotless teenager in his heart. Because of this, he can interpret the slightly frivolous concept of "Otaku Goddess" poetically.

　　　 Students, how to counter Muse? Perhaps Teacher Gao is a role model. No matter how flashy and dangerous the world is, please take care of the spotless teenager in your heart. Boys, what is Muse? Maybe as the book says, she should be a 100% girl, maybe not beautiful, her clothes are not outstanding, and the hair on the back of her head even stubbornly leaves traces of a nap. She is walking in the vast sea of people. Thinking of her, you will be in a daze silently.

　　　 Pay attention to the fifth season of CCTV6 "Creative Starry Sky", at 6:25 pm, let’s be in a daze together before Muse appears.

Next page More live pictures

Why should we keep our birthday today?

Xiaobian first tells you a story.

↓↓↓

Said it was a long time ago.

There is a monster named Chong.

It has a dark body.

But the hands are white.

Every spring festival and new year’s eve

"Precious" came to the world.

Touch the forehead of a sleeping child

Any child who has been touched by "special"

You’ll become a demented fool.

In order not to let "Chong" hurt children.

Every new year’s eve.

Everyone lights the oil lamp all night.

Play with children

Keep them from sleeping.

At that time, it was called "guarding the special"

And then?

People think

It’s unlucky to mention the monster "Chong"

And because "old" and "precious" are homophonic.

So I slowly put

"Shou Chong" is called "Shou Sui"

So here comes the question

On New Year’s Eve

I won’t sleep unless you sleep.

Who is the little baby who stays up late?

Xiaobian knows that staying up late is not good for the liver.

But on second thought,

If I stay up late tonight,

So tomorrow

Will netizens call me darling?

Netizen:

Sweetheart, I can’t talk.

Can I call you a big-faced cat?

Xiaobian: We need a turn here.

in fact

On New Year’s Eve

It is not difficult to stay up happily.

We have a lot to do.

for example

Put up a pair of new Spring Festival couplets.

According to the public photo library of WeChat platform

Spring Festival couplets are also called

Door pairs, couplets, pairs and peach symbols

This is a unique literary form in China.

According to research

This custom originated in the Song Dynasty.

It has been popular since the Ming Dynasty.

Couplets are an expression.

Be able to use short words

Express profound meaning

can be compared to

"Never drive after eating, drinking and drinking"

"It’s time to walk, leave the past behind and never look back."

Another example

Have a New Year’s Eve dinner.

Even if you respond positively

Netizens of the "On-site Chinese New Year" policy

Don’t let your stomach down.

Be sure to order hard dishes on the whole.

Reward yourself

According to Guangxi News Network

But believe

No matter where you are

New year’s greetings

Greetings from seven aunts, eight aunts, two uncles and two grandmothers.

It must be indispensable.

"Is there someone?"

"Why don’t you get married?"

"Why don’t you have children?"

"How much do you earn a month?"

……

The moment I saw these questions.

Do you feel cold in your back?

"evil wind" bursts

don’t worry

Xiaobian has helped you figure out how to answer.

"There are objects,

Married,

Ready to have children,

Earn more than you. "

Words here.

Successfully completed the "escape from the Chamber of Secrets"

in fact

On New Year’s Eve

Whether you can be with your family or not.

As long as the heart is together.

You will feel full of happiness.

This spring festival

There are also many people.

Stick to the front line

Pay tribute to everyone

Netizens who are staying together tonight.

Xiaobian has another sentence

I don’t know when to speak improperly.

↓↓↓

Don’t melt into different circles.

But tonight,

We all have the same circle.

That’s dark circles.

finally

It’s time for Xiaobian to compose poems again.

Ah ~

Spend one night on New Year’s Eve.

Grab a red envelope for 99 cents.

Pinch your fingers and pay 200.

I see who is so tiger.

Just kidding.

Xiaobian will still bless everyone.

Everything you want is what you want

The road to success is smooth

Everyone meets a good person.

Everything is fun.

It’s good news to hear.

at last

Xiaobian wants to say

The new year is coming.

Everyone sent a lot of messages to bless you.

It basically represents what I mean.

It’s good that you know it.

in addition

Little cute people who want red envelopes during the Spring Festival.

Remember to talk to me privately.

So I can delete you.

Don’t affect my Chinese New Year.

Eat and drink well!

Happy New Year’s Eve!

Original title: "New Year’s Eve, why should we keep the year? 》