RRR has been lowered, but there is nothing wrong with real estate. Where is the mystery?

RRR is reduced by 900 billion yuan at one time, including 800 billion yuan in full release and 654.38+000 billion yuan in directional release.

The first feeling is fast. Many experts read it in the middle of the year, but they didn't expect it to be released directly at the weekend.

A little urgent

Unfortunately, there is nothing about real estate. In fact, everyone knows it, but we can't help but mention it. Why? Stimulating real estate came very quickly, just like in the first half of the year. As a result, the market rebounded immediately and house prices rose nationwide.

The result reiterated the warning that urban housing prices rose too fast and the property market once again entered a state of high pressure. Finally, the real estate market was locked up.

In fact, there was another data that may have been overlooked yesterday: the predicted value of non-agricultural employment data in the United States in August was 6,543.8+0.6 million, and the published value was 6,543.8+0.3 million.

This time, even the United States and the United States are under great pressure. Look at the global central banks. They have cut interest rates 32 times this year. According to Wind statistics, there were 17 interest rate cuts in August this year alone.

Another quick factor is hedging liquidity. When the tax period came in mid-September, there were176.5 billion yuan and 265 billion yuan on September 7 and September 7, respectively, and * * * was 44 15 billion yuan. By then, the central bank will recover this 44 15 billion yuan from financial institutions.

Now that 900 billion yuan has been released, the liquidity of banks can remain reasonably abundant.

For large enterprises, the reduction of RRR is nothing more than reducing costs. For small and medium-sized enterprises, the credit input data of small and micro enterprises is good. According to the data of the People's Bank of China, the credit balance of small and micro enterprises was 35.63 trillion yuan, of which the total credit granted by a single household was100000 yuan or less, and the balance in inclusive microcredit was 65.438+00.7 1 trillion yuan, up 22.5% year-on-year.

The only thing buyers can count on is to cut interest rates. Some people say that after RRR cuts interest rates, it is to cut interest rates or September 20!

The cost of mortgage loans for home buyers has also been reduced, which can be said to be conducive to buying a house and stimulating it. Developers and real estate speculators can leverage again, so the financing cost will be greatly reduced.

However, it should be pointed out that the new mortgage policy-LPR (loan market quotation) was just introduced last month, which means that the change of the central bank's deposit and loan interest rate in the future will no longer directly affect the mortgage interest rate of buyers.

That is, the central bank announced a rate cut, which has nothing to do with the mortgage of the buyer.

As early as before RRR cut interest rates, not to mention real estate, that is, financial companies, financial leasing companies and auto financing companies with popular loans had no chance, and the only direction of various strategies was the real economy.

Can house prices go up in this way? Just don't fall.

The impact of major policies, various analysts are also looking at the possible impact in the future. The only certainty is that there is room and means for adjustment.

For enterprises, fate has reached a watershed.

Take Dongguan as an example, 25% of smartphones, 20% of sweaters, 30% of toys, 10% of glasses and sports shoes are produced in Dongguan. From June to July this year, the added value of industrial enterprises above designated size increased by 6.8% year-on-year, and the import and export increased by 4.4% year-on-year. Although these two figures are slightly lower than those in the first half of the year, they are far higher than the national level.

Among them, the added value of industrial enterprises above designated size in advanced manufacturing industry and high-tech manufacturing industry increased by 10.4% and 17.3% respectively, among which the electronic information manufacturing industry increased by 17.8% year-on-year. However, the textile, clothing, shoes and hats manufacturing industry, paper and paper products industry experienced negative growth, falling by 3% and 0.7% respectively.

Low-end industries are facing the requirements of transformation and upgrading.

Huajian Group is one of the largest women's shoes manufacturers in the world. The workers here work about 65,438+00 hours a day. Provide them with food and accommodation on weekends and get five or six thousand yuan at the end of the month. But in Ethiopia, the wages of workers are generally only about 100 US dollars.

Huajian Group is preparing to upgrade its Dongguan headquarters to a research and development center. Moreover, the global market layout has begun.

High-end industries are also in full swing. The best "science and technology village" in China is Songshan Lake High-tech Zone, with 32 scientific research institutions located by the lake and China spallation neutron source science city in the distance. There are also a large number of material laboratories and scientific instruments R&D institutions.

20 19 In the first half of the year, registered enterprises in Shenzhen Qianhai realized an increase in added value 19.3%, tax revenue increased by 23.7%, and actually utilized foreign capital increased by 12. 1%. 20 19 Qianhai Cumulative 190 Hong Kong, Macao and Taiwan and international teams.

Even the cadres in the SAR have been very busy recently, working overtime until late at night every day. Isn't that enterprise busier? In fact, the impact of the trade war on enterprises is not as great as expected, but there is a consensus on the high housing prices in Shenzhen:

The house price is too high and hard to find!

Yes, the housing prices in Shenzhen are now in the hands of the whole country, and high-end houses will be killed if they say "seconds kill".

Therefore, it is often not the local purchasing power that determines the housing price of a city.

Many people question the income and purchasing power of local people in Phnom Penh. You know that the latest minimum wage in Cambodia is only $ 188, but the real demand is not determined by ordinary people, not to mention Phnom Penh is the capital of Cambodia.

First of all, you should know about the most special people in Phnom Penh-foreigners.

There are 300 thousand foreigners living in Phnom Penh, not counting those who come to Phnom Penh for tourism and short-term business. One in every 65,438+00 people in Phnom Penh is a foreigner. The total number of apartments in Phnom Penh is only 25,000-28,000, which obviously cannot meet the needs of foreigners.

An important factor of high rent in Phnom Penh is to satisfy foreigners and people who come to Phnom Penh for gold.

The average monthly rent for a one-bedroom apartment in downtown Phnom Penh can be $65,438+$0,500, and the average monthly rent for a two-bedroom apartment can be $2,500. Even the rent for a one-bedroom apartment in a non-core center can reach $800 per month, with a minimum of $600. Last year, the rental return rate in Phnom Penh ranked fourth in the world with 6.92%, ranking fourth in the world.

In this case, the rise in house prices is inevitable.

According to Sviden Real Estate Hurun 20 18 Global House Price Index, apartments in Phnom Penh increased by 16.7%, ranking first in the world, and the rental return rate in Phnom Penh was 6.92%, ranking fourth in the world. Coupled with the appreciation of the US dollar exchange rate of 6.2%, the total return on investment is 29.4%.

At present, the average age in Cambodia is less than 30 years old, and the first baby boomers have reached marriageable age, which is indeed a good time to work, get married and have children. Every year, 300,000-400,000 people flock to Phnom Penh, and the best of them can finally afford to buy a house in the capital.

Compared with the domestic GDP growth of 6%, and Cambodia's GDP has been 7% for many years, such high growth, even if a few people benefit, is enough to support the high housing prices in Phnom Penh. Before more foreign capital flows in, let's think about how to share Cambodia's economic dividend!

And real estate investment is the simplest way to invest.

Shi is a veteran in the field of overseas investment, focusing on overseas immigration, overseas finance and overseas real estate investment for more than 65,438+00 years. He went all the way from Europe, America, Canada, Australia and New Zealand to Southeast Asian countries, and now he focuses on real estate investment in Southeast Asia. In the past four years, Shi has spent more than 200 days in Southeast Asian countries every year, making in-depth investigations on the investment environment and projects in Southeast Asian countries with his feet, understanding the actual situation of various developers in Southeast Asia and the pits that investors have stepped on. Southeast Asian real estate investment does not step on the pit, but looks for stones.