Everyone has been paying attention to a blockbuster news in recent days!
On July 25, six large commercial banks, including the Industrial and Commercial Bank of China, lowered the listed interest rates on RMB deposits again. Among them, the interest rate on demand deposits was reduced by 0.05 percentage points, the interest rate on notices, agreements and time deposits with a maturity of one year or less was reduced by 0.1 percentage points, and the interest rate on time deposits with a maturity of two years or more was reduced by 0.2 percentage points.
After the reduction, the latest interest rate for demand deposits will be 0.15% p.a. Although the time deposits of major banks have been reduced by the same amount, due to the difference in base, there are differences in interest rates after the reduction by different major banks. In the category of lump sum deposit and withdrawal, the one-year tenor of the Postal Savings Bank of China is 1.38%, and the corresponding one-year maturity of the five major banks including the Bank of China is 1.35%.
The era of zero interest rates, where interest rates are infinitely close to zero, is already on the way, so what impact does it have on us ordinary people?
1. There have been changes in the supply of the land market, and the market will brew a peak of supply in the future, so not only the third and fourth lines can not buy houses casually, but also the first and second tier land supply concentration areas can not buy houses casually.
2. On the whole, 2024 is still a cliché, except for the core cities in the core area, most of the market policies will most likely continue to be adjusted after the policy. So it's very unlikely that you want to make money by buying a house.
3. The possibility of real estate tax landing in the short term is very small, but it should be noted that it is definitely getting closer and closer! In the future, affordable real estate such as houses with a high proportion of gifts, central production houses + husband's houses + second-hand affordable housing will be more popular.
4. The recent rise in old and small buildings has given a lot of inspiration, and it is definitely impossible to expect deposits to eat interest in the future. But it's still possible to buy a house and eat the rent!
A few days ago, I heard a very interesting point of view from a friend who did trend research: real estate will appear in the "heaven and earth market", and the first to recover expectations is the high unit price, high total price, and high-quality ceiling assets in first-tier cities, followed by the "land assets" with low consensus and strong trend in the main city, cultural tourism vacations, and commercial apartments.
Compared with the sky assets with explicit consensus, the "earth assets" are often undervalued, but in fact, they will also rise closely with the market of the sky assets.
The recent reduction of the down payment ratio and the reduction of housing loan interest rates have lowered the threshold for buying a house and released rigid demand.
Are there any "land assets" other than "old and small"? The answer may lie in Jingxi.
Last weekend, I went to Zhesi Town, which refreshed my impression of this famous town in western Beijing, with slow flash parks, cycling shops, cute pet shops, one-way spaces, thirteen invitation taverns, and various non-standard catering businesses, so that there are not only fireworks in the face, but also the temperament of walking the baby and walking the dog on the weekend, and the Internet celebrity fashion check-in resort.
In just three years, this living town called Tangu has been reborn from a traditional real estate development project into a high-aesthetic lifestyle town with operation as the core, and it is still attracting and gathering popularity - you know, stable operation and continuous popularity are the key to this type of land asset!
1
Make up for the shortcomings of life in the main city and meet the alternative "just needs"
"People should live in a place without ceilings" has increasingly become the consensus of people to embrace nature and enjoy leisurely wild fun. For families who pay attention to the quality of life, Dangu can make up for many shortcomings of life in the main city: you don't have to drive hundreds of kilometers to embrace the beauty of natural mountains and forests; You don't have to endure the hustle and bustle and crowding, you can leisurely enjoy the rich quality of daily life; There is no need to worry about the elderly and children, who can be well cared for in the community; It's hard to feel lonely and lonely here, because the interesting neighbors and rich community activities are enough to nourish the spirit.
Tangu has the Xishan cultural context and natural scenery favored by Beijingers, surrounded by Tanzhe Temple, Jietai Temple and Dingdu Peak, PM2.5 is below 50 all year round, the livability index is high, and the distance between it and the main city is not long or short. From mountain life to city life, only a cup of coffee, four or five songs of time, drive along Lianshi Road to Zhongguancun and West Second Ring Road, there are no traffic lights in the whole process, the road is smooth, there is no annoying congestion, along the way is the forest greenery and graceful scenery, bringing a comfortable commuting experience.
In terms of accessibility, Dangu has set up a direct shuttle bus to Babaoshan Station and Yuquan Road Station of Metro Line 1, as well as a cycling-friendly bus to and from Shichang Station of Tangu-Metro Line S1.
High recognition of mountain water resources, suitable transportation distances and smooth accessibility are the primary characteristics of Dangu to attract popularity and improve the arrival rate, which has become the premise for it to make up for the shortcomings of life in the main city and meet the needs of other quality.
2
The whole living facilities are complete, and the advantages of town-level planning are highlighted
Of course, a place without a ceiling is not a flat river, but a rich and complete set of supporting facilities to support the ideal life that adapts to the needs of different groups.
At this time, the advantages of the district-level planning of Dangu Town are highlighted. The overall planning and development of the 3.99 square kilometer town area can meet the needs of all ages and all life: if the family is unwilling to cook or the elderly are inconvenient to cook, the canteen of the owner of the neighborhood center can provide healthy and nutritious options for three meals a day; If the child has a fever and cold, go to the nearest community iKang clinic to auscultate and get medicine; When you come home from work, you can spend your free time in the gym with a mountain view and a one-way space, and you can have fun with both movement and quiet.
It is worth mentioning that as early as June 2020, Mentougou District established the Tanzhesi School of Tsinghua University High School and settled in Tangu, which is managed by the management committee of the cooperative school of the High School Affiliated to Tsinghua University, including the kindergarten and primary school, and officially opened in September 2021.
As the popular traffic of Tangu, Slow Flash Park integrates the lifestyle of "park + shopping street + exhibition hall + theater + workshop", and holds theme markets, music performances, open-air cinemas, art exhibitions, parent-child workshops and other activities from time to time throughout the year, becoming an Internet celebrity check-in destination that continues to attract owners and tourists.
In June this year, Dangu released the owner's rights and interests system - as a Dangu owner, you can enjoy exclusive services with both quality and human touch, such as free admission to the Slow Flash Park throughout the year, exclusive canteen services for owners in the renovated and upgraded neighborhood center, and uninterrupted community activities for owners such as photography, coffee, and table tennis throughout the year; In the non-standard commercial space of the mountain street waterfront and the slow mob square, you can enjoy exclusive discounts when consuming, special invitations and exclusive seats for merchant activities, as well as exclusive neighborhood festival customized activities, special exhibitions of owners, private banquets and other personalized experiences.
Through the co-creation, co-construction and sharing space provided by Dangu, owners can give full play to their interests and socialize, and participate in socializing, parent-child activities, concerts, photography exhibitions, lectures and salons on the viewing terrace, aesthetic exhibition hall and universal space, so that their interests and passions can grow freely.
3
From "passenger flow" to "guest stay".
A large number of non-standard businesses are the characteristics of Tangu and the key to its continuous attraction of passenger flow.
In September last year, the first phase of the business of Tangu was fully unveiled, including One-Way Space, Sanke Pictures, Lao Ji Tang, Da Shui Hua Art Museum, Luojia Nature Exploration Center, Joyland Paradise, Old Warehouse, HK+, Bopuchuan Restaurant, including 10 first stores in China and Beijing, creating the strongest lifestyle brand portfolio in western Beijing.
According to statistics, the 8th and 9th One Way Street Bookstore Literary Festivals continued to land in Dangu, and more than ten guests such as Xu Zhiyuan, Dai Jinhua, and Zhou Qimo had on-site conversations, attracting more than 3,000 audiences in a single day. A series of activities such as the reconstruction of Tanwang Road Charity Cycling, the Dangu Mountain Opening Festival, the One-Way Youth Festival, the Classical Music Festival, and the Jazz Festival cover the whole year.
As the attraction of Dangu grows, the continuous influx of tourists is no longer satisfied with day trips, and wants to stay longer, creating a demand for "staying here for one night". In order to improve the consumption scene of urban micro-vacations, Tangu has joined forces with One-Way Space and Joyland Park to build the country's first book & music-themed micro-resort hotel, with a total of 40 rooms, to create a unique "reading space" and "vinyl space", so that consumers can enjoy art and cultural activities and store healing, stay in the valley overnight, and have a comfortable vacation.
Some people say that first-tier cities can't accommodate the body, and third- and fourth-tier cities can't put down their souls. The former is too costly and anxious, while the latter is constrained by platform restrictions and cultural identity. Dangu can "hold the body" and "the soul".
At present, there are a variety of western-style houses with a construction area of about 99 square meters to 170 square meters to choose from, and some existing houses are on sale, with an average price of 38,000 yuan. If you want to go to the field experience, it is recommended to take a look at the life aesthetics model room created by the well-known design master Xie Ke, and you can really feel the essence of mountain life.