Controlled at 5 o'clock on June 24 afternoon, net of people bank official released a big news, chinese people bank decides, since July 5, 2018, reduce reserve of deposit of RMB of bank of commercial bank of country of region of county of commercial bank of state-owned and large commercial bank, share-holding system commercial bank, postal savings bank, city, blame, foreign capital to lead 0.5 percent. It is reported, this directional fall to predict 700 billion yuan to will release fluidity definitely.
This is the Central Bank inside year the 3rd directional fall accurate, was on January 25 for the first time, basically be amount of supportive general benefit; Was on April 25 the 2nd, basically be displacement MFL expire; It is support the 3rd " debt turns " financing of He Xiaowei industry.
What meaning is the Central Bank falls definitely?
Fall accurate namely the Central Bank reduces legal deposit reserve to lead, you went to a bank putting 100 money, silver guilds the Qian Laifang that uses you is borrowed, but cannot borrow entirely give 100, the money with need keep certain at least lawfully is in Central Bank account, for instance 20, so 20 are legal deposit reserve (20 also can say is fundamental money, reserve of legal deposit of fundamental money ≈ ) .
The Central Bank falls to allow even if reduce you to must put the capital scale of Central Bank account, reduce from 20 for instance it is 18, so the fund that the bank can use at loan at most can achieve 82 yuan, added market liquidity apparently than 80 original yuan.
Make a commonner example: Before be just like, you lent 72 money with your Mom, come to an agreement or understanding must return next week. Your Mom to alleviate your capital insecurity promises next month to begin to give you 70 cash living cost more.
But you must return 72 first next week, fall next week to just 70 cash living cost is spent next, and still can appoint a supermarket to spend money in your Mom only!
We recollect altogether has the Central Bank 5 times to fall since 2015 accurate:
Successive at that time fall to be opposite definitely 2015-2016 year of estate value rise the effect that had to promote.
Every time the Central Bank is directional fall allow 0.5 percent, public reaction is, fall couplet of accurate very much metropolis thinks of estate.
Turn on the water without giving thought to or do not turn on the water, qian Ke can be very difficult inpour is hypostatic, this ability is the right place of the problem.
Turn on the water with respect to inpour estate, do not turn on the water die together with respect to everybody, investment rests dish, how is consumption done rise not to come.
Fall to be opposite definitely the influence of estate market
1, after reducing deposit reserve, the credit dimensions of each commercial bank will increase, of individual housing mortgage dimensions to also will get profit good impact. At present loan interest rate rises generally 20% , this policy can alleviate somewhat probably and stabilize.
2, the possibility that house price tomorrow rises increases greatly, the client buys a room to buy cost to will increase, the country appeals the house lives to be not fried, but just changed to just needing to mix, just needed especially, appeal again just needed a client to buy a house at once, because be restricted to buy price fixing to be restricted to sign,be restricted to borrow, this is the welfare that the government sends, want to hold.
3? Jin Jiuyin of second half of the year the prices of 10, firm in have litre, meet what look partly than going up clinch a deal the volume is high. Fall to lower interest definitely in the Central Bank a prices that enters town can appear on the discontinue that waits for policy stimulation, short-term inside in light of, building city next a few months especially Jin Jiuyin of second half of the year of 10 clinch a deal quantity will naturally short-term rebound.
4, war of trade of China of combinative near future and fall accurate incident, think Ren Zhijiang and that Duan Zi that Feng Lun loves to say: Estate is Jordan, chamber pot just always is used when make water is urgent.
Fall to definitely for certain can partial capital enters building town, on one hand house price cannot rise too quickly again, on the other hand again partial cash comes in, the result is house price stability, and clinch a deal the quantity is active, come so does taxation increase a what is there against it?
Overall for, to the influence of estate market, the fall that deposit reserve leads increased the dilate of one share credit, this affects be the front to estate market.
The person that live to buy a house rigidly oneself should hold the process that good market rhythm changes, choose opportune opportune moment to buy a house into city, had accused to fall accurate " help city " wait for policy bonus. Use this paragraph of special time to be driven in short-term market to had not anabiosised completely the phase that improve enters town.
Experience sea of two years of this many ground to clean out the ablution of estate adjusting control of Sha Shi, estate market has tended reason develops, tigidity of city of line of heat just a little buys room demand by puissant suppress, 34 lines city goes inventory turns result remarkable, estate market will be given priority to with dropping in temperature smoothly.
The house lives to be not fried, living attribute of mechanism of accurate adjusting control of essence of life, lasting effect, regression will be become henceforth the fundamental key of policy.
