这场冲突的根源在于政策上的分歧与内部权力斗争。2025年5月，特朗普指派贝森特、普尔特和商务部长卢特尼克共同负责拟定房利美与房地美的私有化计 划。这项计划涉及美国两大住房贷款机构的股份出售，成为特朗普政府重返白宫后的一项重要经济议程。 普尔特主张将"两房"最多15%的股权公开上市，而贝森特则认为这种做法越过了财政部的职权范围，干预了其管辖事务。另外，两人在美联储主席鲍威尔的 去留问题上也存在分歧：贝森特曾暗示解雇鲍威尔会对金融市场稳定造成影响，而普尔特则公开要求鲍威尔辞职，甚至为特朗普起草了解雇信。 冲突的导火索是贝森特得知普尔特多次在特朗普总统面前批评他，最终情绪失控。目击者称，贝森特走到普尔特面前直接质问："你他X的为什么跟总统说 我坏话？去你X的……我要一拳打在你该死的脸上。"普尔特显然没有料到这种突如其来的爆发，愣在原地没有回应。 俱乐部的联合创始人奥米德·马利克——特朗普的政治支持者——试图调解两人的争执，但贝森特毫不妥协，要求"要么我走，要么他走"，甚至提议两人到 外面"解决"。当普尔特询问是否可以坐下来好好谈时，贝森特坚决表示："不。我就是要揍扁你。"最后，马利克成功将两人分开，分别安排在长桌两 ...

中新社华盛顿10月2日电 (记者 沙晗汀)美国住房金融机构房地美(Freddie Mac)当地时间2日公布数据显 示，美国30年期固定抵押贷款平均利率升至6.34%，已连续两周上涨。 数据显示，美国30年期固定抵押贷款平均利率当天升至6.34%，一周前该数据为6.3%，一年前该数据为 6.12%。 美国房贷利率受美联储联邦基金利率和美国10年期国债收益率等因素影响。美媒认为，美联储降息并不 一定会带来房贷利率的下降。受美联储降息预期影响，房贷利率自7月以来一直呈下降趋势，但自美联 储9月17日宣布降息以来，房贷利率已连续两周上涨。 尽管市场普遍预计美联储今年还将降息两次，但经济学家预计，30年期固定抵押贷款平均利率到年底仍 将维持在6.5%左右。 分析人士指出，过去几个月房贷利率的下降在一定程度上提振了潜在购房者的信心，成屋销售量出现上 涨。但联邦政府"停摆"如果持续下去，将对房地产市场带来不利影响。 由于共和党和民主党未能就临时预算案达成一致，美国联邦政府10月1日因资金用尽"停摆"。这是自 2019年以来美国联邦政府首次"停摆"。(完) ...

Core Viewpoint - Guangzhou has officially launched the "Commercial to Public Loan" policy to allow eligible applicants to convert their commercial housing loans into lower-interest public housing loans, aiming to alleviate the interest burden on borrowers and promote social consumption [1][2]. Group 1: Policy Implementation - The "Commercial to Public Loan" policy will be implemented starting August 21, following the issuance of the "Implementation Measures" by the Guangzhou Housing Provident Fund Management Center [1]. - The policy includes a dynamic adjustment mechanism that links the availability of the "Commercial to Public Loan" to the status of housing provident fund funds, with specific thresholds for activation and suspension based on personal housing loan rates [2]. Group 2: Eligibility Criteria - Applicants must currently contribute to the housing provident fund in Guangzhou and have not used any housing provident fund loans nationwide [2][4]. - Specific conditions include having the original commercial loan disbursed for at least 3 years, no overdue records in the past 12 months, and the property being the only residence of the applicant's family in the city [4][5]. Group 3: Loan Calculation and Limits - The loan amount is capped at 70% of the total purchase price of the property, based on the lower of the original purchase price or a re-evaluation price [2][3]. - The loan term must not exceed the remaining term of the original commercial loan, and the total duration of both loans combined cannot exceed 30 years [3]. Group 4: Additional Notes - The policy only applies to fully commercial housing loans being converted to public housing loans, excluding any combination loans [5]. - There are no fees associated with the housing provident fund loan services, including the "Commercial to Public Loan" [5].

Core Points - The Guangzhou Housing Provident Fund Management Center has issued a temporary implementation plan for converting commercial personal housing loans to housing provident fund personal housing loans [1] - The plan outlines specific eligibility criteria for applicants, including the requirement that the original commercial loan must be for a self-occupied housing property within the city's administrative area [1] - Additional conditions include that the original commercial loan must have been disbursed for at least three years, and the applicant must be the borrower and property owner [1] Eligibility Criteria - The original commercial loan must not be a combination loan, subsidized loan, or a mortgage for non-purchase purposes [1] - The property must have a real estate ownership certificate and must not have any other mortgage registrations or legal restrictions [1] - The property must be the only housing for the applicant's family in the city, and the original commercial loan must not have any overdue records in the past 12 months [1] - Applicants must have opened an account in the city and contributed to the housing provident fund for at least 60 months [1]

Core Viewpoint - Andrew Left, founder of Citron Research, believes that Palantir's stock price needs to drop to $40 or $50 to be considered truly cheap, indicating a potential decline of over 70% from current levels [1][5]. Group 1: Short Selling Palantir - Citron Research has targeted Palantir as the next "retail darling" to short, following the GameStop saga [3]. - Left announced his short position on Palantir, stating that the company is "far beyond the realm of overvaluation" [4]. - Following the announcement, Palantir's stock price fell 1.4% to $184.37, despite a year-to-date increase of 145% and a 12-month rise of 506% [5]. Group 2: Valuation Concerns - Left argues that it is contradictory for a big data company to ask investors to ignore valuation metrics, emphasizing that the current stock price remains excessively high even if Palantir is the greatest company ever [9]. - He refutes the notion that Palantir dominates the data analytics field, pointing out that competitors like Databricks are also in the market and have more customers [9]. Group 3: Historical Context - Left had previously included Palantir in his "holiday short list" at the end of 2020, setting a target price of $20, which represented over a 50% decline from then-current levels [10]. - Despite his earlier predictions, Palantir's stock surged due to the AI boom, continuously breaking valuation records since 2024 [11]. Group 4: Broader Investment Views - In addition to shorting Palantir, Left expressed bullish views on Rocket Companies, calling it a potential "Amazon of the housing sector," and expects it to benefit from pent-up housing demand and declining mortgage rates [13]. - Left maintains a bullish stance on Amazon and Apple, which, along with his short position on Palantir, forms a balanced investment strategy [13].

Core Viewpoint - The U.S. government is considering the IPO of Fannie Mae and Freddie Mac, with a total valuation potentially reaching $500 billion, marking the largest restructuring in the U.S. housing finance sector since the 2008 financial crisis [1] Group 1: Government's Position and Plans - The government is deliberating whether to merge the two companies for a combined IPO or to list them separately [1] - President Trump has expressed enthusiasm for the IPO, sharing a photo of himself ringing the bell at the NYSE for a company named "Great American Mortgage Corporation" with the ticker symbol MAGA [1] Group 2: Concerns from Wall Street - Some Wall Street analysts are skeptical about the IPO, viewing it as a risky gamble, particularly if the companies lose government support upon privatization [2] - Analysts from the Urban Institute and Moody's emphasized the critical nature of government backing for the two companies, warning that without it, financing costs could rise sharply, leading to increased mortgage rates and reduced credit availability [2] - LPL Financial's chief fixed income strategist highlighted the necessity of maintaining clear government guarantees during the privatization process to avoid making housing less affordable [2] Group 3: Market Reactions and Predictions - KBW analysts commented that the $500 billion valuation for the IPO might be unrealistic, and the likelihood of completing the IPO by the end of the year is very low [3] - IPOX's vice president warned that even partial sales of the companies' equity could exert significant pressure on the market, stressing the need for a clear and phased exit strategy from government control to maintain investor confidence [3] - The complexities and risks associated with the IPO process suggest that the Trump administration must provide more detailed and organized plans to avoid undermining investor trust and destabilizing the financial system [3]

Group 1 - The core viewpoint of the article is to provide information on the calculation formula for the housing fund loan limit in Shenzhen [1] - The loan limit is calculated as the balance of the housing fund account (for the applicant and co-applicants) multiplied by 16, subject to certain conditions [2] - The maximum individual loan limit is 600,000 yuan, while the maximum family loan limit is 1,100,000 yuan [3] Group 2 - If all conditions for loan limit increase are met, the maximum individual loan limit can reach 1,260,000 yuan, and the maximum family loan limit can reach 2,310,000 yuan [5] - The loan limit is also influenced by the borrower's repayment ability and loan term, with the monthly repayment not exceeding 50% of the applicant's or co-applicant's housing fund contribution base [6] - The loan amount must not exceed the difference between the total purchase price and the down payment, with specific requirements for down payment ratios [7] Group 3 - To apply for a housing fund loan, employees must have contributed to the housing fund for at least 6 months continuously, while flexible employees must have contributed for at least 12 months continuously [11] - The article mentions that different conditions allow for varying loan limit increases, which can be referenced in accompanying images [11] - There are also methods provided for checking the balance of the housing fund [11]

Core Points - The upper limit for the monthly housing provident fund contribution base in Chengdu for 2025 is set at 31,378 yuan, while the lower limit remains unchanged [1][2] - The lower limit for the housing provident fund contribution base will be adjusted in 2026 in accordance with the increase in the minimum wage standard effective from January 1, 2025 [1][2] - The minimum contribution amount for flexible employment individuals in 2025 is determined to be 99 yuan, which will increase to 110 yuan starting from January 1, 2026 [2] Summary by Category Contribution Base Adjustment - The monthly contribution base upper limit for the housing provident fund in Chengdu is adjusted to 31,378 yuan for 2025, based on the previous year's average wage [1] - The lower limit for the contribution base remains unchanged for 2025, as the minimum wage standard for 2024 is not altered [2] Minimum Wage and Contribution Changes - The minimum wage standard in Chengdu will increase on January 1, 2025, leading to a corresponding increase in the lower limit for the housing provident fund contribution base starting in 2026 [1][2] - The flexible employment individuals' minimum contribution amount is set at 99 yuan for 2025, calculated based on the second-tier minimum wage standard [2] - This minimum contribution will rise to 110 yuan in 2026, reflecting the new minimum wage standard [2]

Core Viewpoint - The FHFA's directive to consider cryptocurrency as an asset for mortgage qualification may open doors for borrowers using crypto assets to apply for housing loans, aligning with the vision of making the U.S. a "crypto capital" [1][3][4]. Group 1: Regulatory Changes - The FHFA's order signifies a potential major shift in asset evaluation standards for mortgage qualification, supporting the Trump administration's goal of promoting cryptocurrency in the U.S. [3][4]. - The directive allows Fannie Mae and Freddie Mac to assess borrowers' financial situations more comprehensively by considering other assets like cryptocurrency [4]. Group 2: Market Impact - This move aims to assist homebuyers with crypto assets in obtaining loan eligibility amid a housing crisis and a significant decline in mortgage applications [5][6]. - The U.S. homeownership rate has remained stable around 62% over the past 50 years, but new applicants have sharply decreased, leading many young Americans to struggle with housing [5]. Group 3: Industry Challenges - The decline in mortgage issuance, particularly in refinancing, is attributed to insufficient housing supply, high borrowing costs, and the Federal Reserve's interest rate hikes [6]. - The FHFA is seeking to create more viable lending channels for homebuyers, with cryptocurrency emerging as a potential solution [6]. Group 4: Cryptocurrency Adoption - While some small U.S. lenders have allowed crypto assets as collateral, the FHFA's official recognition could significantly enhance the application of cryptocurrencies in mortgage lending [8]. - The SEC's previous accounting rules posed challenges for banks to offer crypto-backed loans, but these rules were quickly repealed under the Trump administration [8]. Group 5: Future Prospects - If the FHFA formally recognizes crypto assets, it could open up substantial federal loan opportunities for borrowers, as seen with the FHA issuing 760,000 personal housing loans worth $230 billion in 2024 [9]. - The volatility of cryptocurrencies presents risks, complicating the risk models for loans that include such assets, as borrowers' net worth can fluctuate significantly [9].

Core Viewpoint - Recent optimizations in housing provident fund policies across multiple regions in China aim to broaden usage scenarios, break down regional barriers, and expand coverage, thereby enhancing the fund's role in addressing housing difficulties [1] Group 1: Expanded Usage Scenarios - Various cities have introduced new policies allowing the use of housing provident funds for purchasing second-hand homes and for home renovations, including elevator upgrades [2] - Specific examples include Qingdao allowing provident fund withdrawals for second-hand home down payments and Lishui facilitating the first case of such a withdrawal [2] - Other cities like Anshan and Shenzhen have also expanded the scope of fund usage to include withdrawals for families facing financial difficulties due to illness and for down payments on homes [2] Group 2: Cross-City Interconnectivity - Cities in Guangdong have signed agreements to enhance interconnectivity of housing provident fund services, supporting mobile employment and cross-city housing needs [4] - This initiative is part of a broader strategy to facilitate the free flow of capital and labor within the Guangdong-Hong Kong-Macao Greater Bay Area, positioning the provident fund as a key element in urban integration [4] Group 3: Inclusion of More Demographics - Recent policies have expanded the coverage of the housing provident fund to include flexible employment individuals, such as part-time workers and self-employed persons [5] - Cities like Lishui and Suzhou have implemented measures allowing these workers to participate in the provident fund system and withdraw funds without stringent requirements [5] - The housing provident fund system is characterized as a "housing financial stabilizer" in China, providing accessible financial support through low-threshold contributions and low-interest loans [5] Group 4: Statistical Overview - Official data indicates that in 2024, the total amount of housing provident fund contributions in China is projected to be 36,317.83 billion yuan, with 81.27 million individuals expected to withdraw a total of 27,654.84 billion yuan and personal housing loans amounting to 13,043.07 billion yuan [6]