南京公积金异地贷款"扩圈"全省首笔落地！7月5日上午，专程从连云港赶来南京的赵先生顺利地在 建行秦淮支行办理好公积金异地购房贷款。"是南京公积金异地贷款'扩圈'新政促成了此次购房，为我减 轻了购房贷款负担。"赵先生欣慰地说。 赵先生夫妻是连云港人，也一直在连云港工作生活，妻子现已退休，4个月前女儿在南京江宁入 职，这让赵先生萌生了给女儿在南京购房定居的想法。赵先生坦言，他关注南京楼市已有一段时间，从 网上看资料、刷房产平台，到了解南京各板块的配套、价格趋势和户型情况等，但一直处于犹豫徘徊状 态。 "按照此前的政策，连云港的公积金不能在南京购房使用，算下来，贷款压力着实不小。"赵先生 说，直到6月30日看到南京公积金发布异地贷款"扩圈"全省的新政，考虑到可以把公积金充分利用起 来，能减轻不小的购房压力，便下定决心来南京实地看房。不到一周的时间内，赵先生集中看了南部新 城、新玄武、雨核以及江宁板块的新房和二手房，最后综合比较，选择了离女儿上班近、性价比和居住 舒适度都相对较高的江宁某小区的一套新房，面积120平方米，总价380多万元。 由于赵先生上班时间不方便来南京办理贷款，南京住房公积金管理中心和银行特地为他在 ...

Core Viewpoint - The Guizhou Housing Provident Fund Management Center has revised the implementation rules for off-site personal housing loans to support workers who pay housing provident funds in other locations to purchase homes in Guiyang and Guian, effective from May 1, 2025 [1] Group 1: Key Highlights of the New Regulations - The scope of applicants has been expanded, removing the previous restriction that required either the buyer or their spouse to have contributed to the Guiyang provident fund to apply for off-site loans, allowing families to choose loan applicants based on their actual situation [1] - The loan process has been simplified, as borrowers no longer need to open an off-site loan account at a Guiyang provident fund outlet in advance and can directly submit loan applications to entrusted banks, reducing the number of processing steps [1] - The required documentation has been streamlined, with new housing loans exempt from submitting purchase contracts and filing forms; existing housing loans no longer require tax payment certificates; and second-hand housing loans do not need the seller's spouse's household registration book, along with the unification of requirements for repayment accounts and new housing loan collection accounts [1] Group 2: Loan Conditions and Requirements - Applicants must meet conditions such as having contributed to the provident fund for more than six months and maintaining good credit, with loan amounts following the policies for local contributors [1] - The interest rates for these loans will be consistent with those for local contributors, and borrowers are required to prioritize using their off-site provident fund account balances to repay loans, with severe overdue cases facing early loan maturity restrictions [1]

3、十年国债期货主力合约刷新史高，已经把周三周四挖的坑都填回去了。注意这个是期货合约，一些现货的etf可能离史高还差几分钱。就像前面说的， 明年预期下调40-50bp，这样的背景下债市的价格很难靠人为打压。说实话债市目前最大的风险来自股市，一旦股市突然暴起狂牛，会有大量抛售债券转 投股市，9月底那一波已经证明了这个逻辑，a股不雄起的话，债牛无人能挡。 我来叻～帮大家把周末的事情捋一下。 1、首先是回溯一下周五，20日，12月份的LPR一如预期，没有任何变化。5年期的维持3.6%，1年期的3.1%。最近甚至有部分地方（比如广州）的银行上 调了房贷利率，从2.x%涨回到了3%，但这并非因为当地房市回暖反弹，而是因为银行的息差太小造成经营压力，被迫又往回调。在这种背景下LPR短期 很难继续下跌，需要一点时间来消化存贷的息差压力。 整个2024年LPR一共下调过3次，分别是2月份下调0.25%，7月份下调0.1%，10月份下调0.25%，另外银行还把前几年上浮比例的部分也取消了，这些在客 观上很大幅度降低了月供的压力。缓解了楼市的压力。 至于明年，我已经讲过好几遍了，大概是下调40-50bp的预期，诸位到时候就喜迎2 ...