Following the 2021 Key Review Network and Wing Fung Bank held the online live broadcast event of “DAWHO Night Big Household Tastes Home”, the response continued, today (2022) April 8th will once again jointly hold the online live broadcast event “DAWHO Night Interest Rate Raising and Wealth Management”. Anti-inflation”, and cooperated with the French brand BLVCK to show the texture aesthetics of the extremely dark space. The event was once again invited by the sweet Wu Yipei as the host, together with Ken, the chief operating officer of Leju, and the hero martial arts, who taught people how to buy a house wisely, manage their finances wisely, fight inflation, accumulate assets easily, and move towards a life of wealth and freedom.
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☞ Getting to know BLVCK
Is it right to buy a house against inflation?Looking at housing prices from the stock exchange market and the global situation
This year, the central bank launched the first interest rate hike cycle in 10 years, raising interest rates by 1 yard (0.25 percentage points), and raising the policy interest rate to 1.375%. Ken pointed out that for homebuyers, in addition to the heavier loan burden, “in fact, rising Interest is a signal that the housing market is good.”
In order to curb the overheating of the economy, the government has resorted to tightening monetary policy measures, reflecting that the current market prosperity is very good, and the housing market follows the fundamentals of the market, and housing prices will continue to follow. , coupled with the government’s start of housing sales, everyone will start to worry about whether the current time is still suitable for entering the market.
Ken further explained that the government’s housing purchase is not to make housing prices collapse, but to slow down the growth rate. “Usually, when the policy comes out, it is already at the end of the rising stage of housing prices, which will have a deferred effect. I may choose to play at this point.” Ken explained that although the pressure on housing loans will increase, when inflation is greater than the mortgage interest rate, the larger the discount spread and the longer the loan period, the lower the present value of the loan, which is equal to Use your current house early with cheap future money. In particular, real estate is a real asset. When inflation continues to occur, purchasing power will decline in the future, money will become thinner and thinner, and the relative housing will also increase in price due to inflation, thereby playing a role in resisting inflation.
Hero Wu Lin suggested that it is best for home loan families to first calculate the cash flow of future monthly repayments, as well as the difference with the loan time, amount, and grace period, because the increase in house prices will not affect the repayment amount, only the interest rate. It will affect, as long as you get a good house in a prime location in advance, you can let inflation reduce the cost of debt.
Under the 30-year repayment period, the impact of a one-stop interest rate increase on the mortgage will be an extra NT$1,193 per month. If home buyers want to know the loan amount they may bear in the future, they can also use the mortgage trial calculation function of “Leju.com” and Yongfeng Bank. Just enter the community name on the homepage of “Leju.com” to see the introduction of the corresponding community. Calculate the repayment amount before and after the grace period by using the median registered price.
Ken reminded that homebuyers should pay attention to the possibility of selling the house before buying a house, such as the demand for housing in the area, the size of the floor space used, and the location, so that it will not be difficult to change hands in the future. For the owner-occupier, because of the long residence time, they are always entering the market to buy a spot. They must choose a good location and good products, and they can sell when they see a reasonable market price; for investors, they need to consider Whether the rental income is enough to cover the mortgage, generate cash flow, and buy at a relatively cheap price.
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☞ Getting to know BLVCK
Buying a house, saving insurance, gold? How to manage money in an era of inflation?
As for the impact of interest rate hikes on the stock market, Hero Wulin believes that it is “short-term shocks, long-term bullish”. Investors’ panic mostly comes from not understanding policies and being unfamiliar with the stocks they own. He took the tapering of bond purchases in 2013 as an example. The issue of raising interest rates and reducing bonds will fluctuate in the short term, but in the long run, under the efficient economy Still bullish. In particular, the Fed will maintain the long-term average of inflation at 2.0%. As long as this reason exists, then good asset prices will always come out of the bull pattern in the shock.
“Don’t wait until the rally is over before thinking about entering the market. Then it will start to fluctuate again. You should learn to do the reverse, convert spare cash into assets, and maintain real purchasing power.” Hero Wu Lin reminded that the stock market is always the best when it fluctuates. At the entry point, spare money is “money that you don’t know what to use it for”. You only need to leave a year of living expenses in your personal account, and the rest of the money will be invested in blue-chip stocks and ETFs with good long-term performance; and the usual funds will be reserved in the DAWHO digital account , you can enjoy a 1.1% interest rate for live savings within 500,000 yuan, and a total of 20 times of monthly inter-bank withdrawals or transfers for large accounts are free of handling fees.
If you want to prepare for financial management against inflation, you must first invest in yourself, improve your market competitiveness, and then make good investments, focusing on small and regular fixed amounts, choosing a cumulative EPS that is better than the same period last year, and continuous monthly revenue. Stocks with 3-month growth, record monthly revenue, and 10-year steady dividend payout must be invested with spare money.
The hero Wu Lin said that everyone does not need to give up the dream of buying a house too soon, “The plan to buy a house is to use decades of layout on blue-chip stocks or ETFs with good performance. After a few years, it will naturally be easier to achieve market value growth. Focus on your own business, work hard to increase your salary and invest in a pragmatic way, and continue to increase the real purchasing power of your down payment.” As long as you persevere in investing with spare money and compound interest, you can definitely do it.
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☞ Getting to know BLVCK
You can’t help but know the charm of BLVCK dark soul
BLVCK is a black soul brand from France. After entering Taiwan in 2020, it has been widely discussed and welcomed. In 2021, the world‘s first flagship store will be opened at A13, Xinyi, Taipei. The product “Dark Rose Chocolate” ice cream has been discussed by the Internet, and more than one million Instagram fan accounts have followed it, blowing a global wave of dark souls.
This live broadcast is the first cross-border cooperation between Taiwanese finance and fashion brands. KAI, the general agent of BLVCK Asia Pacific, said, “BLVCK accepts any possibility of cross-border, and this cooperation with Yongfeng DAWHO is a good start to pass financial information to Brand fans, look at fashion brands from an investment perspective, bringing a higher perspective to finance and fashion!”
Recently, BLVCK has stepped into the metaverse. Julian O’hayon, the founder and designer of BLVCK, personally created a limited number of 9,999 BLVCK Genesis in the world. The BLVCK avatar is used as the game character. The brand name is BLVCKLIST), which will create a new record in the Metaverse.
BLVCK & WHTE A13 World‘s First Physical Flagship Store
Location: Xinyi Yuanbai A13
Address: 2nd Floor, No. 58, Songren Road, Xinyi District, Taipei City
Business hours: Sunday to Thursday 11:00～21:30 Friday, Saturday 11:00～22:00
BLVCK official website: https://tw.blvck.com/
