The next two days are the last two trading days of this week. On August 31, Dongfang Communications successfully stepped out of the Seven-Connect Board, and its stock price rose to 9.97 yuan. In just seven trading days, the cumulative increase was 94.72%, close to 1
times the increase.
This made many theatergoers secretly slap their thighs and regret not getting on the bus. Now they are even more afraid to get on the bus because they are afraid of heights.
At the same time, it also makes many investors doubt their life, especially those who stick to value investing in Big A. The recent performance of blue-chip white horse stocks is hard to describe, and Wuliangye is about to hit a new low for the year.
Extremely angry about the market situation, the price investors suddenly discovered that when you talk to him about growth and expectations, he tells you that value investing is king and profit growth is the cornerstone; when you talk to him about value investing
At that time, he told you that there is no ceiling in the imagination space. As long as there are growth expectations, sacrifices can fly to the sky without making profits.
For example, Ningde Times, a sub-new stock on the GEM, after a slight correction after its opening, continued to maintain an upward trend. Now its stock price has exceeded 100 yuan, successfully surpassing the pig factory Wenshi Shares to become the current market value of the GEM.
The newest brother.
Another example is Dongfang Communications, a popular stock that has stepped out of the Seven-Connect Board. Technology stocks are more interested in talking about growth, even if there is no profit, it doesn't matter.
At the beginning of September, it is a weekend. In the next two days, the market is trying to find a reasonable rising logic for Dongfang Communications to support its current stock price. The most bullish voices talk about growth, because 5G
The imagination space is large enough.
…
Monday morning, September 3rd.
At this moment, Lu Ming was having breakfast with An Yirou at home. She had returned to Ningzhou City a few days ago, so naturally Lu Ming could not go to Happy Peach Blossom Land.
While eating breakfast, he also used a tablet to pay attention to the news. To be precise, he was paying attention to founder Jingdong’s trip to North America. He had already gone to the United States. According to external media reports, Brother Dong was
The first time I went to the United States was mainly to negotiate with Wall Street.
Everyone in the industry now knows that Brother Dong wants to separate Jingdong Finance and Jingdong Logistics. This incident has caused Wall Street to be quite dissatisfied with Jingdong. Many people are looking forward to new progress in the negotiations between Brother Dong and Wall Street this time.
There must be new progress, but the outside world never expected that Wall Street would play a trick on Brother Dong.
Lu Ming secretly pays attention, silently buys the bottom, and takes both long and short positions beautifully.
At this time, An Yirou, who was sitting and dining, said: "Yesterday, Director Liang from the Ningzhou Housing Authority came to the foundation and said that the city was advancing the planning of a 'second-hand housing transaction supervision platform' and wanted the foundation to participate.
The board of directors also held an impromptu meeting to discuss it, but because it involves real estate issues, you have to make a decision in the end."
Everyone under his command knows Dabo SS’s attitude towards real estate, even though the Science and Livelihood Fund is a non-profit organization, and Lu Ming still holds the position of chairman.
Hearing this, Lu Ming put down the tablet in his hand and said casually: "Ningzhou's finances in the past two years will not be short of money to establish a trading platform. There is definitely no problem with the budget. Get the foundation to participate, um...I
It seems a bit reasonable."
An Yirou looked at Lu Ming and said: "The result of the internal research and discussion of the council is that the city plans to involve the foundation. This 'second-hand housing transaction supervision platform' may be implemented in Ningzhou City first, and may be implemented in the future."
The meeting will be promoted nationwide, and involving foundations can solve the bulk of the funding."
It's just that Ningzhou City does not need the participation of the Science and People's Livelihood Fund at all. The financial situation of Ningzhou City in recent years is not a problem of lack of money, but a problem of too much money. Provided by a second-hand housing transaction supervision platform agency
A well-funded budget means there is no financial stress at all.
"I agree with this assumption." Lu Ming nodded, then glanced at An An and looked at her, smiled and added: "At the same time, it also allows me to attract frontal firepower."
An Yirou said: "Indeed, I have read the draft plan and the council has discussed it. If the foundation gets involved, it will definitely offend the vested interest groups in the real estate field."
Upon hearing this, Lu Ming immediately smiled nonchalantly and said: "How many people have we offended? Don't offend those who can't be offended, and don't offend everyone. The rest should be offended. Don't be afraid, everyone will be offended."
It’s unrealistic to just try to get things done without offending someone. By the way, have you brought back the draft plan?”
An Yirou: "I made a backup copy and brought it back. It's what I want to give you. I'll get it for you."
After saying that, he got up from the dining table and went to get the documents. It must be said that little Anan is becoming more and more professional and capable now, and he is growing very fast.
After waiting for a moment, An Yirou appeared in Lu Ming's field of vision again, holding a document in his hand. Lu Ming had just finished breakfast, and immediately took it from her hand, opened the document bag and took out the document.
read.
Lu Ming, who looked at the planning plan, nodded repeatedly and said: "This official guidance price is smart enough, and the pattern has opened up. Now, unlike ten years ago, the time is indeed ripe for the launch of this second-hand housing transaction supervision platform."
From the perspective of the government, most of the problems faced by the early real estate agency market no longer exist. Today's housing transactions and transaction processes have become more and more streamlined and standardized compared to ten years ago.
For example, the landlord's information is registered with the Housing Authority and can be checked, so there is no fraud like before. Unless you really don't understand anything, you can find this kind of information by going to the Housing Authority.
It’s just a question of whether you want to check or not. Even if you don’t want to go, you can still spend money to entrust someone else to check on your behalf. This includes house transactions, as well as third-party fund monitoring, and the housing authority also has a loan account.
In short, many aspects are no longer as opaque as before.
An Yirou said: "The current population in Ningzhou City continues to maintain a net inflow. Although the price of houses is forcibly controlled, the desire to rise is quite strong. After all, the scale of the net inflow of population is there, the demand for buying houses is strong, and there is a let-down.
The city's "pleasant contradiction" is described as such. On the one hand, Ningzhou City's strong vitality and low housing prices attract a continuous net inflow of people from outside the city, while housing prices are suppressed, which in turn attracts more net inflows.
.”
Lu Ming looked at the materials and said in a deep voice: "So this second-hand housing trading platform led by the city was born. There are experts in the city. The general direction is of course to regulate real estate, mainly to reduce the financial market of real estate.
Leverage ratio, the current houses in Ningzhou City should have a limited price, right?"
An Yirou nodded and said: "Yes, the housing authority has records for second-hand housing transactions. In addition, this second-hand housing trading platform as an information release is equivalent to a third party. The foundation itself is a non-profit organization because it does not participate in
The profits also have to be used for operating expenses, so it is more objective and powerful in terms of neutrality, and its credibility and authority are strengthened."
It is worth mentioning that it is basically impossible to have false information when publishing information on such a platform. It is very simple. When publishing information, it must be the landlord himself, the real estate certificate number must match, and the ID card must match. If it is not possible, you can still
There is facial recognition to confirm landlord information.
Today's information technology is no different than it was more than ten years ago, and will become more advanced in the future. This second-hand housing trading platform is completely different from sending a message on 58 Tongcheng, because 58 Tongcheng does not have the housing authority's database.
However, this second-hand house trading platform is promoted by Ningzhou City, and the Municipal Housing Authority itself has the lowest level database, which is everyone’s house information. When people who want to sell houses publish information, it is quite easy to verify.
.
The official guidance price is the trump card, which can greatly curb the financial leverage of real estate.
There are two ways to determine the price. One is the seller's own determined price. This is the price the seller wants to put. For example, the official guide price of a house is 3 million, and the landlord insists on asking 8 million. This is no problem.
10 million is no problem, but at the same time, this house also has an official guide price. The official will give a market price of 3 million based on the information about the house.
The brilliance lies in this guide price. The platform still gives an official guide price, and this guide price is not to guide sellers. From the beginning, this official guide price is only for people who want to buy a house, so it can be used
Forced to reduce the leverage ratio of home buyers.
At this time, An Yirou said thoughtfully: "As for the official guide price issue, if the seller thinks his house is worth 10 million, and you give him the official guide price of 3 million, he will ask you why, and maybe there will be trouble.
.”
Lu Mingyun said calmly: "For no reason, even if the allocation is based on the size of the matter, the official is not instructing sellers to pay 3 million. On the surface, it is a price guide for home buyers, but in essence, it is a guide for banks.
, the reason is also very simple. Nowadays, there are almost no people who can buy a house with full payment. If you want to buy a house, you cannot get around bank loans, which means leverage."
An Yirou: "That's true."
After Lu Ming roughly read the planning plan, he closed the document. He looked at Xiao Anan and continued: "To put it simply... let's give an example. For example, if you want to buy a house, you like a house, and the landlord lists it.
It’s 8 million, and the official guide price is 3 million. You can choose not to recognize the official guide price, or you can close the deal with the seller at a price of 8 million.”
At this point, Lu Ming changed the subject: "However, you cannot go to the bank for a loan if it is 5 million higher than the official guide price. The bank will not give you a loan for this amount. If you go to the bank for a loan, the bank will only
The official guide price of 3 million is used to provide the corresponding mortgage for the house you want to buy, so this is equivalent to being forced to reduce the financial leverage ratio of the house buyer. Of course, if you have money and are not short of the 5 million, then these
The terms have nothing to do with you, it’s just the price that you and the buyer and seller are happy with, so there’s nothing to say about it.”
Obviously, this official guide price is of great significance.
An Yirou said: "It's just that this is very unfriendly to people selling houses."
Lu Ming smiled and said: "Otherwise, how can we offend people? From another perspective, the unfriendly people are just those who want to make huge profits by speculating on houses. A house is the basic living condition for a person in a city.
, the house you live in will not be sold, so it makes no difference to you whether it is worth 1 million or 5 million, it is just a series of numbers."
Lu Ming added: "And the price you paid for selling for 5 million is that you can't settle in this city unless you leave this city, but you still have to buy a house somewhere else, right? What? Do you want to price
You can buy a new house for 10 million yuan, and then go to another city to buy a new house for 5 million yuan. Once you change hands, you will get an extra 5 million cash flow for you to spend? Then I have to ask why!"
