房价下跌

I haven't recovered from my illness yet. I was groggy in bed all day today. I thought it was time to go to work at night, so I took some antipyretic medicine to wake up. The human body is really a precision instrument. When the temperature was 37.5 degrees, I felt fine. When the temperature reached 38.2, I was completely depressed and everything was wrong. It was just less than 1 degree, and the whole person was in two completely different states. So carbon-based life is really fragile, with such poor adaptability, how far can it go if it leaves the greenhouse of the earth...

Yesterday a reader left a message asking whether I lost money on the house I bought since Beijing’s housing prices have fallen.

I bought it in May 2016, the total price was 1400, various taxes and fees + balcony enclosure were about 100, the loan was 900, the interest rate was 15% off, about 4.16%. When the housing market was good, the same apartment in the community was sold for about 2000, but the latest transaction has dropped to 1600-1700.

I'm updating last night's post. I said that the trend of Hangzhou before 2019 is not visible, and my friends from Trend Animals sent me more detailed data. To be precise, the current housing prices in Hangzhou have fallen to around May 2017.

This is the pure housing price index. If you follow the calculation principles I used last night and include the mortgage interest you have paid since buying the house and the principal you have invested (the opportunity cost is calculated based on the risk-free government bond interest rate), I think there is not much profit to be made if you bought it in 2015-2016.

Then someone asked me about trusts. The regulatory authorities have long stipulated that such products are prohibited from being publicly promoted, so I would not recommend them. Two years ago, a buddy of mine who worked in an institution introduced me to the product he was responsible for at the time. It was locked for 2 years and had a return of 6.4%. If you buy 1,000, it will be 6.7%. I made a comprehensive judgment and felt that the cost performance was not bad. At that time, my mortgage interest rate was 4.1%, and the wealth management there had a 6.7%, with a 2.6% interest rate difference. This arbitrage could be done.

Yesterday’s article was eventually lost, so it doesn’t matter whether you support it or not. The key point is that this is not something we can discuss.

I have been sick for the past two days. My throat felt uncomfortable last night. After I delivered the night report, my fever started to rise to 38.5. I slept soundly all night. Now the fever has subsided, and I am starting to have a runny nose and cough. All these symptoms make it seem like I have become positive again.

The virus that terrified us a few years ago has now become part of our daily lives. My family gave me a universal prescription: drink more water, get more sleep, and that's it.

When I was watching the news this afternoon, I found that the housing price data for August was released. This is an important data that I observe month by month, and I immediately became excited: