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according to ai news, kaiyuan securities research report stated that the new home transactions tracked this week in 68 cities decreased year-on-year and increased month-on-month, and the transaction area of ​​second-hand houses in 20 cities increased year-on-year and month-on-month. the land transaction area decreased year-on-year, and the premium rate decreased month-on-month. the policy side has made significant efforts this week. the central bank's "gift package" has been implemented beyond expectations. it has lowered the interest rate of existing mortgage loans and unified the minimum down payment ratio of mortgage loans. commercial banks have lowered the interest rate of existing mortgage loans to around the interest rate of new mortgage loans. the average decrease is expected to be 0.5 percentage points. at the national level, the minimum down payment ratio for second-home loans was lowered from 25% to 15%. at the same time, the open market 7-day reverse repurchase operation interest rate was adjusted from the previous 1.70% to 1.50%, and the deposit reserve ratio of financial institutions was lowered by 0.5 percentage points. ; the central government has set a tone to promote the real estate market to "stop falling and stabilize"; nansha, guangzhou, has fully liberalized the purchase restriction policy, and many cities have optimized policies in terms of provident fund policies and home purchase subsidies. we believe that the current loose policy attitude towards the real estate market will continue in the long term, further loosening of policy margins is worth looking forward to, and overall market confidence is expected to stabilize. megacities are actively and steadily promoting the transformation of urban villages, and more countercyclical adjustment measures are expected to be implemented faster. the sector still has good investment opportunities, and the industry's "optimistic" rating is maintained.

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