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 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]

当地时间周三(6月25日)，美国联邦住房金融署(FHFA)命令住房贷款机构，考虑将加密货币作为住宅 抵押贷款风险评估的资产。该机构负责监管房利美和房地美这两家美国住房抵押贷款巨头。分析人 士表示，此举可能为借款人使用加密货币资产申请住房贷款敞开大门。 FHFA署长William Pulte当天在社交媒体上发文写道，"经过深入研究，并遵循特朗普总统将 美国打造成'加密货币之都'的愿景，今天我下令房利美和房地美着手准备，将加密货币列为抵 押贷款申请的认定资产。" 这一指令标志着美国政府支持企业在评估抵押贷款资质的资产审核标准上，可能迎来重大转 变，同时也与特朗普政府推动加密货币在美国普及的既定目标一脉相承。 FHFA具有监管房利美和房地美的权责，这两家机构自2008年次贷危机期间遭受重大损失后， 一直处于美国政府的控制之下，它们担保了全美超过一半的抵押贷款。 面对行业逆风，Pulte正寻求为购房者开拓更可行的借贷渠道，而加密货币也由此成为了其潜 在的突破口。 在周三签署的一份指令中，Pulte表示，考虑借款人的其他资产——如加密货币，或将使房利 美和房地美能够更为全面地评估借款人的财务状况，并可以"为信誉良好的借 ...

中新社北京6月12日电 (庞无忌 冯玲玲)中国多地住房公积金政策再迎优化。近期，多地密集发布住房公 积金新政，进一步拓宽使用场景、打破区域壁垒、扩大覆盖人群，公积金在解决"住房难"问题中的作用 进一步凸显。 公积金的使用场景进一步拓宽。 近期，甘肃兰州、江苏苏州、四川德阳、浙江丽水等多地将灵活就业人员纳入公积金覆盖范围。如：浙 江丽水近日发布公积金新政称，非全日制劳动者、个体经营者、新就业形态人员等灵活就业人员，均可 自主申请参加住房公积金制度，且政策支持逐月缴存、预缴和欠缴补缴；苏州市称，灵活就业人员可自 由提取以灵活就业人员身份缴存的住房公积金，提取无需材料，没有提取时间、金额和频次限制。 此外，还有许多地方进一步便利公积金的使用。比如北京新增"电话贷款，服务直达"模式，市民足不出 户就能办理申请；贵州贵阳对公积金提取、贷款等业务办理的材料进行"瘦身"，大幅提高便利度。 不同于西方完全依赖商业贷款或政府补贴的住房金融模式，住房公积金制度是一种具有中国特色的制度 安排。作为"住房金融稳定器"，中国的住房公积金通过"低门槛缴存+低息贷款"机制，为职工提供可及 的住房金融支持。专家认为，经过多轮政策调整，公积金 ...

Core Point - The UK Chancellor announced an additional £10 billion for housing finance investment [1] Group 1 - The funding aims to enhance housing finance, addressing the ongoing housing crisis in the UK [1] - This investment is part of a broader strategy to stimulate the housing market and improve affordability [1] - The announcement reflects the government's commitment to support the housing sector amid economic challenges [1]

Group 1 - The Director of the Federal Housing Finance Agency, William Pulte, publicly urged Federal Reserve Chairman Jerome Powell to restart the interest rate cut cycle to alleviate pressure on the housing market [1] - Pulte emphasized that lowering interest rates would directly improve homebuyer affordability and inject much-needed liquidity into the stagnant housing market [1] - The Trump administration has consistently pressured the Federal Reserve to lower borrowing costs, linking tight monetary policy with trade protectionism that suppresses economic vitality [3] Group 2 - Economists point out that the underlying issues in the U.S. housing market stem from structural contradictions, including a growing housing inventory gap and limited new home construction due to rising material costs and labor shortages [3] - The National Association of Home Builders reported that the cost of single-family home construction has increased by 37% compared to 2020 [3] - Over 60% of retail businesses plan to raise end prices in the coming quarters to pass on the cost pressures from tariffs, indicating a cost-push inflation scenario [3] Group 3 - The Federal Reserve has maintained its policy stance despite political pressure, keeping the interest rate range at 4.25%-4.5% after a cumulative cut of 100 basis points in the second half of 2024 [4] - Powell stated that monetary policy will not yield to short-term political considerations, emphasizing the need for strategic consistency amid economic uncertainties caused by tariff disputes [4] - The combination of rising construction costs and labor shortages, along with tariff-induced price increases, poses a dual pressure on the housing market, complicating the Fed's ability to achieve its 2% inflation target [4]

据悉，5月8日起，首套房5年期以下公积金贷款利率从2.35%降至2.1%，5年期以上公积金贷款利率从 2.85%降至2.6%。第二套房5年期以下公积金贷款利率从2.775%降至2.525%，5年期以上公积金贷款利率 从3.325%降至3.075%。 在利率调整对象及范围方面，5月8日前已经发放的个人住房公积金贷款，自2026年1月1日起，执行调整 后的利率。5月8日前申请且未发放的个人住房公积金贷款，执行调整后的利率。5月8日起申请的个人住 房公积金贷款，执行调整后的利率。 按新利率执行后，购房者能省多少利息？银川住房公积金管理中心相关负责人举例：首套房贷款60万 元、30年期，以等额本息方式还款，月供还款减少79元，总利息将减少约2.86万元；以等额本金方式还 款，月供还款减少125元，总利息将减少约2.23万元。二套房贷款60万元、30年期，以等额本息方式还 款，月供还款减少82元，总利息将减少近2.96万元；以等额本金方式还款，月供还款减少125元，总利 息将减少约2.23万元。 5月8日，宁夏银川住房公积金管理中心发布消息，根据《中国人民银行关于下调个人住房公积金贷款利 率的通知》要求，即日起，银川住 ...

智通财经5月6日电，据"长春公积金"5月6日消息，为贯彻落实有关文件要求，积极服务于构建高质量发 展的长春现代化都市圈，更好地满足广大缴存职工的住房消费需求，长春市住房公积金管理委员会对部 分贷款和提取政策优化调整。其中，长春市对多子女家庭贷款政策进行调整，第二次使用住房公积金贷 款且生育抚养二孩及以上的多子女家庭，单笔贷款最高额度可上浮40%。 长春优化调整部分住房公积金使用政策 ...