[Jinri Toutiao]

The central bank cut the loan interest rate of personal housing provident fund, 1 million yuan and 29500 yuan less than 30 years.

The central bank announced today that with effect from October 1, 2022, the lending rate for the first set of personal housing provident fund will be cut by 0.15 percentage points, to 2.6% for less than five years and 3.1% for more than five years. If the provident fund loan is 1 million yuan, the loan for 30 years, calculated on the basis of the same amount of principal and interest, will reduce the monthly payment for 30 years by 29500 yuan.

From the point of view of the industry, the central bank's reduction of the interest rate for the first set of personal housing provident fund loans will not only help to better cope with the downward trend of interest rates on housing-related commercial mortgage loans, but also help to further improve the convenience of borrowing and repayment. it plays a supporting role in meeting rigid and improved housing demand.

On September 30, the Ministry of Finance issued a notice on the personal income tax policy supporting the purchase of housing by residents. From October 1, 2022 to December 31, 2023, taxpayers who sell their own housing and repurchase housing in the market within one year after the sale of their existing housing will be given a tax rebate on the personal income tax paid on the sale of their existing housing. Among them, if the amount of newly purchased housing is greater than or equal to the amount of current housing transfer, all the personal income tax paid shall be refunded; if the amount of newly purchased housing is less than the amount of current housing transfer, the personal income tax paid on the sale of existing housing shall be refunded in proportion to the amount of newly purchased housing in the current housing transfer.

[general trend]

Us stocks closed lower over the weekend, with the S & P 500 down 1.51% at 3585.62, the lowest close since Nov. 23, 2020. The Dow Jones fell 1.71% to 28725.51, the lowest close since Nov. 12, 2020. The Nasdaq fell 1.51% to 10575.62, the lowest close since July 29, 2020. On a pro rata basis, the ADR index of Hong Kong stocks closed at 17089 points, down 76.10 points or 0.45% from the close in Hong Kong.

[hot spot Prospect]

Bank of America: UK stock market will see record outflows in 2022

Investors have withdrawn $18 billion from UK equity funds so far in 2022, which will be the worst year for capital outflows from the UK stock market, surpassing previous years, according to Bank of America Corporation data. it marks the seventh consecutive year of capital outflows from the British stock market. Related to the Hong Kong stock HSBC Holdings PLC (00005).

Geely Holdings announced that it had completed the acquisition of a 7.60% stake in Aston Martin Lagunda International Holdings, a British ultra-luxury performance brand. Involving Hong Kong stock Geely Automobile (00175).

The two sides in Liu Qiangdong's Mingzhou case ended in reconciliation.

The Mingzhou case of Liu Qiangdong ushered in an unexpected turning point. On the evening of October 1, North American time, the legal teams of the two sides issued a joint statement, which showed that the two sides had reached a settlement, and the details of the settlement had not been made public. The case was scheduled to be heard on October 3 at the Hennepin County District Court in downtown Minneapolis, Minnesota. (interface News) related to Hong Kong stocks JD.com: JD.com Group-SW (09618), JD Health (06618), JD Logistics, Inc. (02618), etc.

From October 1, engaged in the production and operation of e-cigarettes should hold a tobacco monopoly license!

According to regulatory regulations, from October 1, e-cigarette market players engaged in e-cigarette production and operation should obtain tobacco monopoly license. E-cigarette production enterprises, atomization production enterprises, e-cigarette nicotine production enterprises, e-cigarette wholesale enterprises and e-cigarette retail entities that have obtained tobacco monopoly licenses in accordance with the law shall conduct transactions through the e-cigarette transaction management platform. Related e-cigarette Hong Kong stocks include Jiayao Holdings (01626), BYD Electronic (00285), Smoore International Holdings Limited (06969), China Bolton (03318), Huabao International (00336), China Tobacco Hong Kong (06055) and so on.

China Shenhua Energy withdrew from the Watermark Coal Mine Project in Australia

China Shenhua Energy (01088) announced that recently, the company has received notification from the Australian Securities and Investment Commission (ASIC) that the company's wholly-owned subsidiary, Shenhua Watermark Coal Mine Co., Ltd. ("Watermark"), has completed its cancellation on September 1, 2022. The company fully withdrew from the Watermark coal mine project in Australia.

[individual stocks are sunny]

NIO Inc. delivered 31607 vehicles in the third quarter, an increase of 29.3% over the same period last year, setting a record for quarterly delivery.

NIO Inc.-SW (09866) issued an announcement that NIO Inc. will deliver 10878 cars in September 2022. The delivery includes 7729 high-end smart electric SUV, including 1895 ES7, and 3149 high-end smart electric cars, including 2928 ET7 and 221 ET5. NIO Inc. delivered 31607 vehicles in the third quarter of 2022, an increase of 29.3 percent over the same period last year and a record quarterly delivery. NIO Inc. 's cumulative car delivery volume reached 249500 as of September 30, 2022.

CITIC said in a research report that maintaining the "buy" rating of NIO Inc.-SW (09866) is expected to turn losses into profits by 2024. GAAP's net profit is 1.3 billion yuan, with a target price of HK $181, which is expected to be revalued. The bank believes that the launch of its NT2.0 platform products, especially ET5, is expected to gradually allay market concerns.