[See you at 8： 00] The minimum down payment is 60%! The state-run provident fund implements the second suite ＂recognizing the house and recognizing the loan＂

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　　[concern]

　　The minimum down payment is 60%! The state-run provident fund implements the second suite "recognizing the house and recognizing the loan"

　　The State Provident Fund Center issued the Notice on Issues Related to Adjusting the Housing Provident Fund Personal Housing Loan Policy and Further Optimizing Services, which clearly stipulated that the second-home loan should be "recognized for both housing and loans", and the down payment ratio of the second home should be adjusted to a minimum of 60% and a maximum of 600,000 yuan. The New Deal will be implemented on April 15, 2019, subject to the online signing date.

　　Change 1: You can apply for a loan only after the account has been continuously deposited for more than half a year.

　　The adjustment of loan application conditions is the first change of the New Deal.

　　According to the regulations, when applying for a loan, the borrower should continuously deposit the housing provident fund for more than 6 months (inclusive) and his housing provident fund account is in a normal deposit state; Or with the approval of the housing fund management center of the central state organs (hereinafter referred to as the fund center), the paid employees are in the state of deferred payment, sealed or retired cancellation.

　　At the same time, both husband and wife of the loan applicant have no outstanding housing provident fund, personal housing loans and policy discount loans.

　　Change 2: The second suite is recognized as "recognizing the house and recognizing the loan"

　　Like the previous Beijing-owned provident fund, the National Provident Fund Center also adjusted the identification standard of the second suite to "recognize the house and recognize the loan".

　　The New Deal stipulates that if the family of the loan applicant (including the loan applicant, spouse and minor children) has no housing in Beijing and there is no housing loan record (including commercial housing loan and housing provident fund loan record) under the name of both husband and wife, it will be handled according to the first housing loan policy.

　　If the loan applicant’s family has no housing in this city and has only one housing loan record, and if there is only one housing in this city and there is no housing loan record or only one housing loan record, it shall be handled according to the second set of housing loan policies. In other words, I used to buy a house with a loan, whether it was a commercial loan or a provident fund loan. Now I sell small and buy big, and I will be recognized as a second suite from April 15.

　　If it is identified as two or more houses, no loan will be granted.

　　Change 3: The second suite can borrow up to 600,000 yuan.

　　The New Deal also adjusted the down payment ratio this time.

　　In terms of down payment, according to the regulations, if the loan applicant purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; For the purchase of the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of two houses, the down payment ratio shall not be less than 60% of the total purchase price. If the loan applicant purchases the stock house, the total purchase price shall be the lower of the house appraisal value and the total purchase contract price.

　　In terms of loan amount, the maximum amount of the first set of housing loans is 1.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of the second home loan is 600,000 yuan, and the loan interest rate is 1.1 times of the benchmark loan interest rate for the same period.

　　In addition, on the premise of ensuring the basic living expenses of the borrower, according to the loan amount, term and applicable interest rate applied by the borrower, the monthly repayment amount calculated by the equal principal and interest repayment method should not exceed 60% of the monthly income of the borrower.

　　At the same time, the loan period shall not exceed 25 years, the longest of which can be calculated to be 5 years after the legal retirement age of the loan applicant, and the highest of which shall not exceed 65 years of age.

　　[domestic]

　　In the first quarter, the total value of foreign trade import and export was 7.01 trillion yuan, and China became the "stabilizer" of global trade operation.

　　On the 12th, the State Council Information Office held a press conference, and the relevant person in charge of the General Administration of Customs announced that China’s foreign trade import and export in the first quarter was 7.01 trillion yuan, a year-on-year increase of 3.7%. At the same time, in the first quarter, China’s foreign trade import and export with countries along the "Belt and Road" was 2 trillion yuan, a year-on-year increase of 7.8%.

　　Oil prices rose for the sixth time during the year! It costs about 6 yuan more to add a tank of gas.

　　The reporter learned from the National Development and Reform Commission that according to the current formation mechanism of refined oil prices, from 24: 00 on April 12, domestic gasoline and diesel prices will increase by 155 yuan and 150 yuan per ton respectively. From the national average, the price of No.92 gasoline is raised by 0.12 yuan per liter, the price of No.95 gasoline by 0.13 yuan per liter, and the price of No.0 diesel by 0.13 yuan per liter. According to the estimation of the capacity of 50 liters of the fuel tank of a general household car, it will cost more 6 yuan to fill a tank of No.92 gasoline after the price adjustment.

　　In the first three months of this year, the air quality was relatively poor.

　　Data Map: The urban area of Shijiazhuang is shrouded in smog.

　　According to the official WeChat news of the Ministry of Ecology and Environment, the Ministry of Ecology and Environment reported the national air quality in March and January-March 2019 on the 12th. In March, the air quality in 20 of the 168 key cities, including Zibo, Zaozhuang, Weifang and Linyi, was relatively poor; The air quality in 20 cities such as Haikou, Lhasa and Shenzhen is relatively good. From January to March, the air quality in 20 of the 168 key cities, such as Linfen, Shijiazhuang and Xingtai, was relatively poor; The air quality in 21 cities such as Lhasa, Haikou and Shenzhen is relatively good.

　　The National Network Information Office promoted the rectification of APP chaos, shut down and cleaned up more than 30,000 illegal apps.

　　Since December 2018, the National Network Information Office, together with relevant departments, has carried out special rectification actions against mobile apps related to pornography, gambling, malicious programs, illegal games and bad learning, shut down 33,638 illegal and illegal apps, and intercepted more than 2.34 million malicious website links. Social platforms cleaned up more than 24.74 million vulgar bad information and banned more than 3.64 million illegal accounts, effectively curbing the chaos of apps and continuously improving the network ecology.

　　84 people in Tianjin were investigated as "official umbrellas" and "police umbrellas" of evil forces.

　　According to the website of the State Commission for Discipline Inspection of the Central Commission for Discipline Inspection, since the launch of the special struggle against evil, discipline inspection and supervision organs at all levels in Tianjin have resolutely implemented the decision-making arrangements of the CPC Central Committee, combined the fight against evil with the anti-corruption struggle and grassroots "swatting flies", and strengthened supervision, strict discipline and serious accountability. It is not only a "supervisor" to compact the "two responsibility" and promote the development of the special struggle against evil; Also, as a "pioneer", we should concentrate our efforts on punishing corruption and "digging an umbrella", and dig deep into and thoroughly investigate the corruption and "umbrella" problems of cadres and public officials exercising public power in party member. Up to now, the city’s discipline inspection and supervision organs have filed a total of 97 cases and 229 people involved in corruption and "protective umbrellas", including 48 cases of "official umbrellas" and "police umbrellas" acting as evil forces, and 22 cases of "Yong umbrellas" who failed to perform their duties and dereliction of duty, with 107 people. The accountability work of supervision and discipline has achieved initial results.

　　Heilongjiang Shangzhi responded to the suspected destroyed ginseng in the jungle: an investigation team has been set up.

　　On the 12th, the Propaganda Department of Shangzhi Municipal Committee of Heilongjiang Province responded to the villagers’ report that "more than 6,000 mu of dense forest in Maoershan was destroyed and planted ginseng", saying that the Forestry and Grassland Bureau of Heilongjiang Province attached great importance to it and sent an investigation team to investigate.

　　According to netizens, a large area of state-owned and village-owned forest land in Maoershan Town, shangzhi city, Heilongjiang Province, has been cut down by tens of thousands of acres of dense forest without logging procedures. He has repeatedly reported the situation to the local state-owned forest farm administration, forestry bureau and forestry public security bureau, but it has not been dealt with.

　　Only ten kilometers away! Israel’s dream of "Genesis" landing on the moon was shattered.

　　According to Taiwan Province’s United News Network, Beresheet, the lunar lander of SpaceIL, an Israeli non-profit organization, had a series of failures before landing on the surface of the moon, and finally crashed on the moon. Israel’s dream of becoming the fourth country to land on the moon was dashed. According to reports, the SpaceIL team said that the unmanned lander Genesis had intermittent engine and communication failures during the 21 minutes of landing.

　　The WTO’s final ruling that Korea’s ban on the import of Fukushima aquatic products is not illegal, the Japanese government expressed regret.

　　According to this ruling, South Korea’s import restrictions on aquatic products in Fukushima and other places in Japan will continue, and in the future, even if a very small amount of radioactive components are found in all imported foods produced in Japan, South Korea will ask Japan to provide relevant test certificates. In response, Japanese Foreign Minister Tarō Kōno expressed "great regret" at the WTO ruling at a press conference on the 12th.

　　"Little girl crying on the US-Mexico border" was selected as the annual picture of the 2019 Lotus Award.

　　According to the "Central News Agency" report, a photo of a little girl crying helplessly because her mother was detained by US border officials became popular on the Internet. On April 11th, local time, this photo won the prestigious World News Photography Award — — Jose Award.

　　According to reports, the jury said that the photo was taken by John Moore, a veteran journalist, and the picture reflected the situation of a mother and daughter crossing the US-Mexico border, showing "another kind of psychological violence."

　　Society

　　The death toll from heavy rainfall in Shenzhen has risen to 9, and 2 people have lost contact.

　　On the evening of the 11th, instantaneous heavy rainfall in Shenzhen caused floods, which caused many river operators who were working in Luohu and Futian districts to be washed away. On the evening of 12th, it was learned from Shenzhen Emergency Management Bureau that local heavy rainfall had caused 9 deaths and 2 people lost contact. At present, the relevant departments are searching and rescuing two people who lost contact.

　　A forest fire in Heqing County, Dali, Yunnan Province is being urgently put out.

　　At 14:01 on April 12, a forest fire broke out in the east mountain of Nanhe Village, Xintun Town, Heqing County, Dali, Yunnan Province. As of 11: 30 pm on the 12th, more than 600 people had been put into fire fighting at the scene. Due to the steep slope of the fire mountain and the uncertain wind direction, it is difficult to put out the fire. At present, the on-site rescue work is still in progress.

　　Claim! Investigate civil liability! Shaanxi responded to the theft of terracotta warriors’ fingers

　　According to American media reports, in the case of Michael Rowe Hana, an American man, who broke and stole the finger of the Terracotta Warriors and Horses of Qin Shihuang in China on display in a local museum, the jury was dissolved because the jury had different opinions on whether the defendant was guilty or not, and the local court ruled that the trial was invalid, failing to make a verdict on the charges of stealing and hiding cultural relics.

　　On the evening of April 11th, Shaanxi Cultural Relics Exchange Center responded to this matter, saying that it would continue to pay attention to and follow up the progress of the case, and at the same time start the civil liability investigation according to law, and make economic claims in accordance with the Exhibition Agreement.

　　It’s settled! Beijing 120 and 999 gradually merged, and the emergency call sign was unified with "120"

　　On the 12th, the Standing Committee of Beijing Municipal People’s Congress held a kick-off meeting for the proposal of "Improving the pre-hospital medical emergency service system and improving the ability and level of emergency service". In November this year, the Standing Committee of the Municipal People’s Congress will hear and consider the report on the handling of the motion. As the sponsor of the motion, the Municipal Health and Health Commission said that the city will steadily promote the integration of the 120 and 999 emergency systems, realize unified command and dispatch, and gradually realize the unification of emergency call numbers to "120".

　　Angry! Two passengers involved in the sale of children at Dalian airport were detained. The baby boy was only born for 15 days.

　　On April 11, a middle-aged couple flew from Dalian. When they passed the security check, the security check personnel found a 15-day-old baby boy. Upon inquiry, they found that the other party could not answer the child’s information in detail and then called the police. The police initially interrogated that the middle-aged couple were from Fujian and bought a baby boy from another couple for 34,600 yuan. At present, the two were detained on suspicion of buying and selling children.

　　Wenzhou parents buy 500,000 cars to accompany them to study in other "school districts", which leads to controversy.　

　　I chose my daughter as my favorite school, but she is far from home. Do you live on campus or go to school? After trying both ways, a parent in Wenzhou gave a domineering plan — — Buy a car to accompany you.

　　Ms. Wu lives in Yongjia County, and her daughter Xinxin (a pseudonym) goes to primary school in Wenzhou City. This semester, Ms. Wu’s family spent nearly 500 thousand yuan to buy an RV and parked it opposite the school, so that her daughter would arrive at home when she left school.

　　In the face of everyone’s questions, Ms. Wu introduced that she was not the first person to "eat crabs": "These are all for the education of children, not what others call ‘ Toss ’ 。” In Ms. Wu’s view, her daughter’s study and future are the most concerned things for the family.

　　The man was arrested for transporting drugs with short sleeves and even taking drugs with him.

　　It means that good people can always be blessed by heaven, and it is often used as a comfort word when encountering danger or difficulties. Can there be such a drug dealer, in order to pray for the safety of transporting drugs, specially put on a short-sleeved shirt with the words "auspicious people and heaven", and even the drugs were found.

　　What happened? Recently, Yunnan Dehong Border Management Detachment received a report from the masses that some people were preparing to traffic a large number of drugs to the mainland in batches. The task force seized 12.1 kilograms of ice from the van driven by Zhang and Li on the spot at the front line of the lincang border. Then the investigators quickly set up a card to intercept a suspicious off-road vehicle, and seized 20.5 kilograms of ice from the car on the spot. The criminal suspect Liu, who was wearing the words "Ji Ren Tian Xiang", was also arrested by the investigators on the spot.

　　The specific reasons for the formation of the mysterious figure in Qinghai Lake are unknown.

　　On April 12, a huge mysterious figure appeared on the ice surface on the south side of Erlang sword platform in Qinghai Lake. According to the photographer Heng Xiu, vice president of Qinghai Lake Tourism Group Co., Ltd., the picture was taken at 11: 00 on the same day, covering an area of more than 100 square meters, and the specific reasons are unknown.

　　[face]

　　[Kim Jong-un] was elected as the chairman of the DPRK Council of State.

　　According to Korean Central News Agency’s report on the 12th, North Korea held the first meeting of the 14th Supreme People’s Assembly and elected top leader Kim Jong-un as the chairman of the State Council of the Democratic People’s Republic of Korea. The topics of the meeting include: the election of the chairman of the State Council, the election of national leading bodies, the revision of the socialist constitution, the implementation of the national budget in 2018 and the national budget in 2019.

　　The meeting announced that Kim Jong-un was elected as the chairman of the State Council of the Democratic People’s Republic of Korea. Korean Central News Agency said that the election of Kim Jong-un as chairman of the State Council is a major political event of great historical significance in North Korea.

　　[dennis muilenburg] Boeing CEO: The updated operating software of the 737max model is working normally.

　　The CEO of Boeing Company said that in order to prevent the Boeing 737 MAX air crash from happening again, the operating software of this aircraft has been updated and can operate normally, and about two-thirds of the customers of this aircraft also participated in the simulator test.

　　See you at 8 o’clock tomorrow!

　　Editor: Xiao Xiao Dai Mengmeng