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　　Socialism with Chinese characteristics system has many obvious advantages, among which the Communist Party of China (CPC)’s leadership is the greatest advantage and the fundamental guarantee for other advantages to exist and play their roles.

　　Strengthening the party’s leadership over all work is not empty and abstract, but should be implemented and embodied in all aspects and links.

　　"Without communist party, there would be no new China, communist party worked hard for the nation, and communist party devoted himself to saving China … …” Looking back on the past, generations of Chinese sons and daughters sang this song from the bottom of their hearts, ushered in a new China, and entered a new era. The party and the people struggled for a hundred years and wrote the most magnificent epic in the history of the Chinese nation for thousands of years. Passing through the historical situation, a truth shows the future: without the Communist Party of China (CPC), there would be no new China and no great rejuvenation of the Chinese nation.

　　The Sixth Plenary Session of the 19th CPC Central Committee deliberated and adopted the Central Committee of the Communist Party of China’s Resolution on the Great Achievements and Historical Experience of the Party’s Hundred Years’ Struggle, which systematically summed up the core connotation of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era with "Ten Definitions", among which the leadership of the Party was the first. "The most essential feature of Socialism with Chinese characteristics is the Communist Party of China (CPC)’s leadership. The biggest advantage of Socialism with Chinese characteristics system is the Communist Party of China (CPC)’s leadership, and the Communist Party of China (CPC) is the highest political leadership. The whole party must strengthen ‘ Four consciousnesses ’ , firm ‘ Four self-confidences ’ , do ‘ Two maintenance ’ " This important conclusion profoundly reveals the relationship between the Party’s leadership and Socialism with Chinese characteristics, and marks that our Party’s understanding of the Marxist theory of party building and the law of socialist development has reached a new height.

　　Socialism with Chinese characteristics system has obvious advantages in many aspects, among which the Communist Party of China (CPC)’s leadership is the greatest advantage and the fundamental guarantee for other advantages to exist and play their roles. General Secretary of the Supreme Leader profoundly pointed out: "Upholding and strengthening the overall leadership of the Party is related to the future and destiny of the Party and the country. All our undertakings are based on this foundation and are rooted in this most essential feature and greatest advantage." Looking back at the history of the party, we can see that when the party’s overall leadership is adhered to, the cause of the party and the people will develop healthily; When the overall leadership of the Party is weakened or even abandoned, the cause of the Party and the people will be frustrated or even failed.

　　Quenched into steel, party flag holds high. In response to the acute and complicated "four tests" and "four dangers", we have promoted the building of a clean and honest party style and the anti-corruption struggle with unprecedented courage and determination, and the loose and soft situation of managing the party has been fundamentally reversed; Face up to the world problem of getting rid of poverty, lead the masses to overcome poverty after poverty, and create a miracle on earth that no political force in the world can create; In the face of the sudden COVID-19 epidemic, adhering to the concept of people first and life first, we led the people of the whole country to quickly launch a people’s war, a total war and a blocking war … … Looking back on this decade’s endeavor, people feel more deeply that the Communist Party of China (CPC) has incomparable strong leadership and is the most reliable backbone of the people of China when the storm strikes.

　　Upholding and strengthening the overall leadership of the Party is one of the most important achievements since the 18th National Congress of the Communist Party of China, and it is also the most fundamental guarantee for the historic achievements and changes in the cause of the Party and the country. From ensuring the unity and unity of the party, strengthening and maintaining the centralized and unified leadership of the CPC Central Committee to serious political life within the party and strict political discipline and rules of the party; From perfecting the party’s leadership system, ensuring that the party plays a leading role in various organizations, to adhering to democratic centralism and improving the mechanism for promoting the implementation of major decisions of the CPC Central Committee … … Since the 18th National Congress of the Communist Party of China, the Party Central Committee with the Supreme Leader as the core has made a series of major decisions and arrangements around upholding the overall leadership of the Party. The authority and centralized and unified leadership of the Party Central Committee have been strongly guaranteed, the leadership system of the Party has been continuously improved, the leadership style of the Party has become more scientific, the whole Party has become more unified in thought, more United in politics and more consistent in action, and the party’s political leadership, ideological leadership, mass organization and social appeal have been significantly enhanced.

　　Every mountain is majestic, and there must be a main peak. To uphold the leadership of the Party, the first thing is to uphold the authority of the CPC Central Committee and centralized and unified leadership. This is the highest principle of the leadership of the Party, and it cannot be vague or shaken at any time and under any circumstances. The Sixth Plenary Session of the 19th CPC Central Committee pointed out: "The Party’s establishment of the core position of the Party Central Committee and the whole Party, and the guiding position of the Supreme Leader’s Socialism with Chinese characteristics Thought in the new era reflect the common aspiration of the whole party, the whole army and the people of all ethnic groups throughout the country, which is of decisive significance to the development of the cause of the Party and the state in the new era and the historical process of promoting the great rejuvenation of the Chinese nation." To embark on the new road of catching up for the exam to achieve the goal of the second century, we must uphold the party’s leadership, strengthen the "four consciousnesses", strengthen the "four self-confidences" and achieve the "two safeguards", bear in mind that "the country is the greatest", resolutely safeguard the authority of the Party Central Committee and centralize and unify leadership, and implement and embody the party’s leadership in various fields such as reform, development and stability, internal affairs, foreign affairs and national defense, and running the party, state and army; We must constantly improve the party’s leadership, constantly improve the party’s scientific, democratic and legal governance, and make the party’s leadership more suitable for the requirements of practice, the times and the people.

　　"Everything comes from its source, and everything comes from its way." In the big chess game of the national governance system, the CPC Central Committee is the "handsome" who sits in the military account, and the chariots, horses and guns show their strengths, and the overall situation of a chess game is clear. Strengthening the Party’s leadership over all work is not empty and abstract, but should be implemented and embodied in all aspects and links. Especially in Socialism with Chinese characteristics system, a strict and complete scientific system, the fundamental system, basic system and important system play an important role, among which the leading system of the party is the leading system. On the way forward, as long as we persist in the party’s overall leadership, resolutely safeguard the party’s core and the authority of the CPC Central Committee, give full play to the political advantages of the party’s leadership, and implement the party’s leadership in all fields and all aspects of the party and state undertakings, we will certainly be able to ensure that the whole party, the whole army and the people of all nationalities in the country will move forward in unity.

　　Today, with more than 95 million party member people and more than 4.8 million grass-roots party organizations, the Communist Party of China (CPC), under the strong leadership of the CPC Central Committee, is United as a "hard steel" and marching forward in unison. On the new great journey, unite more closely around the CPC Central Committee with the Supreme Leader as the core, uphold and strengthen the overall leadership of the Party, and build the Party stronger and stronger. We will certainly overcome difficulties and forge ahead bravely, and constantly create new historical achievements.

　　"I can’t do it, teacher. I retracted it several times when I jumped off the building." On October 30th, a 10-year-old boy named Jun Jun (pseudonym) from a class in Grade Five of Chengdu Normal Primary School in Sichuan Province left this last word in a Chinese textbook and jumped from a 30-story building. Before the incident, the Chinese teacher criticized him for not obeying the discipline of the venue. This tragedy brought pain to everyone. Yesterday morning, the Chinese teacher fainted after seeing the child’s body. "

　　Delayed waiting for the child not to come home

　　On October 30th, a 10-year-old boy from a class of Grade 5 in Chengdu Normal Primary School in Sichuan jumped from a 30-storey building. The crying of the military father and the introduction of the incident by the school roughly outline the process of the incident.

　　At noon on October 30th, the school held a recitation contest in the amphitheatre. When the class of Junjun was watching the competition of other classes, Junjun and several other students didn’t abide by the discipline of the venue. After the competition, the students returned to their classes for normal classes. After school at 4: 40 p.m., Mr. Chen, the class teacher, sent several unruly children to the office to educate them and asked them to go home and reflect in writing. At about 5: 20 pm, the teacher sent these children to the stairs, and the army left school with these students. Then the class teacher got in touch with the parents of the army.

　　The teacher called Ms. Wen, the stepmother of the army. According to Mr. Li, the father of the army, the teacher said that the army did not abide by discipline, hoping to talk to parents about the children and also mentioned that the children should write the examination. But parents didn’t wait for the army. After parents couldn’t wait for their children, they went downstairs and found a man lying in a pool of blood, which was the army.

　　The teacher once asked the writing to be checked.

　　"If only I had gone home, this wouldn’t have happened." Mr. Li, the father of Junjun, couldn’t help crying on the phone. He told the reporter of Beiqing Daily that his home was on the fifth floor, but the army took the elevator directly to the 30th floor. "I can’t do it, teacher. I retracted it several times when I jumped off the building." This last word written in the Chinese textbook may reflect the child’s inner struggle and fear.

　　"The teacher has admitted that he said that he would write a 1,000-word examination," Mr. Li said. The Chinese teacher asked the children to write a 1,000-word examination or made them stand for an hour. There is another unconfirmed statement that the teacher once said that he would "jump off the building if he could not write 1,000 words".

　　In addition to introducing the incident, the school also said, "We are very sad to get the news that the army fell to the building and died. All the teachers and students are in grief. We feel the fragility of life and call on all sectors of society to give more care and love to the healthy growth of minors. "

　　According to reports, at 6 o’clock in the evening, the class teacher received a call from the military mother, saying that the child had an accident and immediately rushed to the incident site and immediately reported it to the school. The school called the police at the first time, and set up a corresponding working group to deal with the aftermath, and reported to the relevant departments at the higher level.

　　The father of Junjun told the reporter of Beiqing Daily that at 9 o’clock in the morning yesterday, Mr. Chen, the Chinese teacher of Junjun, came to the funeral home to see Junjun, along with her family, the Education Bureau and the school staff. Teacher Chen cried a few times after seeing the body, and then fainted. "I stayed here for a few minutes, and I didn’t say anything to our families during this period." Jun Jun’s father said. The headmaster of the school told them that if the school has the responsibility, it will definitely bear it, and let them communicate with the school at any time. What did Mr. Chen say before the incident? The police are investigating. "A conclusion may be drawn next week."

　　conversation

　　Boy’s father: Children were seldom criticized in the class before.

　　Beiqing Daily: Before the military accident, did parents find his abnormal performance?

　　Junjun Dad: No. This child is still excellent, and he was rarely criticized in the class before. If I had been criticized often before, it would be great and I might have been able to bear it.

　　Beiqing Daily: Is it rarely criticized at home?

　　Military dad: We made some agreements with him. If he made a mistake, he would punish himself after admitting his mistake, for example, doing 20 or 30 squats. Generally, he would laugh when he finished squatting. He will criticize and educate him at ordinary times and reason with him. He is a very sensible child. Let him bear it, not suppress it.

　　Beiqing Daily: What did the students of the army say?

　　Junjun Dad: The children are in class together, and now something has happened. The whole class is very sad, fearing that the children will not have a positive understanding. What I learned from other parents is that I criticized it more than once that day, but many times.

　　The teacher asked me to write a 1000-word check.

　　Beiqing Daily: The teacher said to write a 1000-word check?

　　Military dad: The teacher admitted that let the children write 1000 words for inspection or stand for one hour. Today (November 1) afternoon at the school gate, a child in their class said that the teacher said he would jump off the building if he couldn’t write 1000 words. But we are not the parties, and there is no way to prove it.

　　The army didn’t go home after leaving school.

　　Beiqing Daily: Did the army go home alone after leaving school?

　　Junjun Dad: He never came home. If only he had, this would not have happened. We lived on the fifth floor, and he took the elevator directly to the 30th floor. There is a window more than 1 meter high on the 30th floor, and it is very difficult to climb it, and it is also very difficult to climb it and then jump. The children wrote it themselves, and they all shrank back several times, and finally chose this way.

　　Beiqing Daily: Did you see the words written by the children?

　　Junjun Dad: Those words were written by children, and the police evidence collection is completely consistent with the child’s handwriting.

　　The teacher of the child went to the funeral parlour yesterday.

　　Beiqing Daily: Did the Chinese teacher go to see the children?

　　Junjun Dad: I went at 9: 00 this morning (November 1st). The Education Bureau, the school and her family went to the funeral home with her. She fainted when she saw the child cry a few times and didn’t tell us anything.

　　Beiqing Daily: Parents give special hope to their children when they are in Weibo?

　　Junjun Dad: No, you can verify this. My request to him is to let nature take its course and be happy. There is no pressure on the child himself, and his grades are good. He is not stressed because of poor grades.

　　Beiqing Daily: Is the child’s personality lively or quiet?

　　Junjun Dad: More lively. It is because it is more lively that it is always unstable in the collective. That’s what the teacher called us at 5 o’clock in the afternoon, saying that the child could not stand in the team. Do you think if he is a quiet child, he will be unstable?

　　Beiqing Daily: What does it mean to communicate with parents?

　　Junjun Dad: It is said that children are a little untenable in the queue. I hope everyone can talk to the children about this together.

　　Recently, General Secretary of the Supreme Leader clearly put forward the task of "building philosophy and social sciences with China characteristics" at the symposium on philosophy and social sciences, and pointed out that it is necessary to "fully embody China characteristics, China style and China style in guiding ideology, discipline system, academic system and discourse system".

　　Academic self-confidence is the foundation, ability and future prospect of the discipline system, academic system and discourse system. It is also the foundation of the construction of philosophy and social sciences with China characteristics, which is of great significance to play the role of philosophy and social sciences.

　　Why academic self-confidence is necessary?

　　Academic self-confidence is the key to construct discipline system, academic system and discourse system. The academic system mainly undertakes the tasks of concept generation, knowledge innovation and theoretical construction; The academic system is the support of the discipline system. Without the academic system, the discipline system will be empty; Discourse system is the presentation and expression of academic system. Without academic system as its connotation, discourse system can only be formal. Among the discipline system, the academic system and the discourse system, the academic system is the core, which is very important for the construction of philosophy and social sciences with China characteristics.

　　Academic self-confidence is the spiritual force to promote the development of philosophy and social sciences in China. Establishing academic self-confidence will help China’s academic circles to reach a consensus, follow the development path of "basing on China, learning from foreign countries, excavating history, grasping the present, caring for mankind and facing the future", and build a philosophy and social science with China characteristics. At the same time, enhancing academic self-confidence, explaining China’s experience to the international community, contributing China’s wisdom, and enhancing China’s academic influence are important contents to enhance the country’s cultural soft power.

　　Academic self-confidence is conducive to correcting academic foreign worship psychology. Since the reform and opening-up, with the introduction of western academic ideas and the extension of academic exchanges with foreign countries, a kind of foreign worship psychology has spread in China academic circles. Some scholars simply judge the reality of China by western concepts, categories and theories, or use China’s experience to prove the "universality" of western concepts, categories and theories. This phenomenon of blindly worshipping western theories and giving up the initiative of academic discourse is a manifestation of the current lack of self-confidence in China academic circles. To correct and overcome this erroneous psychology, we need to strengthen the self-confidence of China academic circles, know the truth, test the truth and develop the truth in practice.

　　How is academic self-confidence possible?

　　The establishment of the guiding position of Marxism. The establishment of the guiding position of Marxism in the field of philosophy and social sciences in China has led the development direction of philosophy and social sciences in China. General Secretary of the Supreme Leader pointed out that adhering to the guidance of Marxism is the fundamental symbol that distinguishes contemporary China’s philosophy and social sciences from other philosophy and social sciences, and it must be adhered to with a clear-cut stand. The standpoint, viewpoint and method revealed by Marxism require us to always adhere to the people-centered research orientation, respect the people’s dominant position, focus on people’s practical creation, study and solve the major problems facing today’s philosophy and social sciences, and consciously link personal academic pursuit with the development of the country and the nation. Only in this way can we give full play to the knowledge transformation and ideological leading role of philosophy and social sciences with China characteristics, and show the theoretical charm and contemporary value of Marxism.

　　The profound cultural tradition of the Chinese nation. Chinese culture, which has lasted for thousands of years, is the deep foundation for the growth and development of philosophy and social sciences with China characteristics; Chinese excellent traditional culture is a very precious and rare resource for the development of philosophy and social sciences with China characteristics. Chinese culture has a profound cultural tradition and has formed a distinctive ideological system, which embodies Chinese’s accumulated knowledge, wisdom and rational speculation for thousands of years. The construction of philosophy and social sciences with China characteristics should draw beneficial nutrients from it, promote the creative transformation and innovative development of Chinese civilization, activate its vitality, and embody the inheritance and national characteristics of philosophy and social sciences with China characteristics.

　　Socialism with Chinese characteristics’s rich practice. Socialism with Chinese characteristics’s rich practice provides opportunities and conditions for China’s academic construction. As the General Secretary of the Supreme Leader emphasized when he presided over the 28th collective study in the Political Bureau of the Communist Party of China (CPC) Central Committee, "We should base ourselves on China’s national conditions and development practice, reveal new features and laws, refine and summarize the regular achievements of China’s economic development practice, and upgrade practical experience into a systematic economic theory." China’s rich experience accumulated in the practice of reform and opening up for more than 30 years urgently needs to be summarized and sublimated; Many problems faced by contemporary China’s economic and social development need to be answered and explained urgently. We should refine and summarize the regular achievements of China’s economic development practice with high academic self-confidence, promote the development of China’s philosophy and social sciences and enrich Socialism with Chinese characteristics’s great practice in the interaction between theory and practice.

　　How to generate academic self-confidence

　　Based on China’s reality, this paper puts forward a subjective and original academic viewpoint. The General Secretary of the Supreme Leader pointed out: "The characteristics, style and style of philosophy and social sciences are the products of a certain stage of development, the symbol of maturity, the symbol of strength and the embodiment of self-confidence." The formation of academic self-confidence should break away from the academic worship of foreign countries and be liberated from the blind worship and discourse dependence of western academics. We should take the reality of China as the research starting point, put forward subjective and original theoretical viewpoints through solving practical problems, build an academic system with China characteristics, work hard to improve academic quality, and promote the construction of discipline system and discourse system. At the same time, it is necessary to change the current academic evaluation criteria, evaluate the research results of philosophy and social sciences based on China’s reality, and master China’s academic discourse power and judgment power.

　　Improve road self-confidence, theoretical self-confidence and institutional self-confidence. Improving Socialism with Chinese characteristics’s road self-confidence, theoretical self-confidence and institutional self-confidence is a prerequisite for the generation of academic self-confidence. We should dig up new materials, find new problems, put forward new ideas and construct new theories from the practice of China’s reform and development, strengthen the systematic summary of the practical experience of reform, opening up and socialist modernization, strengthen the analysis and research on the development of socialist market economy, democratic politics, advanced culture, harmonious society, ecological civilization and the construction of the party’s ruling ability, strengthen the research and interpretation of the new ideas, new ideas and new strategies of the Party Central Committee in governing the country, refine new theories with academic rationality and summarize new practices with regularity. This is the focus of constructing China’s characteristic philosophy and social sciences, and it is also an important embodiment of enhancing Socialism with Chinese characteristics’s road confidence, theoretical confidence, institutional confidence and cultural confidence.

　　Pay attention to strengthening the construction of discourse system. The formation of academic self-confidence depends on foreign exchange. China scholars have the most say in interpreting China’s practice and constructing China Theory. We should be good at refining symbolic concepts, creating new concepts, new categories and new expressions that can be easily understood and accepted by the international community, spreading the voice of China, telling the story of China, expressing China’s views, and guiding international academic circles to conduct research and discussion. At the same time, we should actively participate in the construction of international academic discourse system, express China’s position on global governance, international rulemaking and other common human topics, make China’s voice, create China Theory, and constantly enhance the international influence of Chinese philosophy and social sciences.

　　(Author: School of Marxism, South China Normal University; This paper is the phased achievement of the major project of Marxist theoretical research and construction engineering, "Research on the new situation of major social thoughts in China at present")

　　The benchmark interest rate for provident fund loans is 3.25%, which is a better choice.

　　The mortgage interest rate is lowered, and the cost of buying a house is reduced.

　　On May 20th, the central bank lowered the quoted market interest rate (LPR) of loans over five years by 15 basis points to 4.45%, which is the largest adjustment of LPR over five years since the establishment of the LPR mechanism in 2019. The data shows that, as far as the current mainland interest rate level is concerned, it is currently at a relatively low historical level. The adjustment of mortgage interest rate means that the monthly supply amount is reduced and the cost of buying a house is reduced. According to industry insiders, there are many things to pay attention to in the downward stage of interest rates, whether to buy a home or not, and how to apply for a more favorable mortgage interest rate.

　　Text/Figure Guangzhou Daily All-Media Reporter Liu Liqin

　　Pay attention to the agreed time line for handling loans when waiting for preferential interest rates.

　　Recently, with the downward adjustment of mortgage interest rate, the market is also undergoing subtle changes.

　　Miss Zhao recently bought a house to improve her residence. After paying the down payment, she negotiated with the sales department to apply for a mortgage. She found that there were many banks on site to provide consultation. One bank said that she could apply for a mortgage interest rate of 5.0%, while the other bank said that according to her stable work and strong income and repayment ability, she and her husband were confirmed as high-quality customers of the bank and could apply for a loan of 4.8%, that is, LPR plus 20 basis points.

　　Miss Zhao immediately decided to choose a bank offering a more favorable interest rate to handle the mortgage loan, but in the process of handling it, the LPR for more than five years was lowered to 4.45%, so the mortgage interest rate of Miss Zhao was finally set at 4.65%.

　　In fact, since the mortgage was loosened in November 2021, in the past six months, the national mortgage interest rate has dropped by more than 50 basis points, and some cities have dropped by 100 basis points.

　　The mortgage interest rate changed quite rapidly in May. As of May 28th, the average interest rate of the first home loan and the second home loan in 32 key first-and second-tier cities monitored by Kerui was 4.5% and 5.2%, respectively.

　　[suggestion]

　　Faced with the downward trend of mortgage interest rate, industry insiders said that buyers often communicate with several banks to choose banks that offer more favorable interest rates according to their own work income and repayment ability.

　　It should be noted that there is a certain time lag between the mortgage interest rate policy and the bank’s implementation, which also has an impact on some ongoing transactions. Recently, some property buyers have chosen to suspend the loan approval process and re-apply for more favorable interest rates in the face of lowered interest rates. Need to be reminded that buyers need to pay attention to the mortgage processing time agreed in the purchase contract. If the application time is too long to obtain interest rate concessions, there may be a breach of contract and losses. Therefore, it is best to confirm the approval time with the bank.

　　How many times can the couple borrow the provident fund?

　　Compared with commercial loans, the benchmark interest rate of provident fund loans is 3.25%, which is naturally a better choice. It is the third time for Mr. Li’s family to buy a house. Both of the two properties purchased in the early years used provident fund loans, one of which has been sold and the remaining one has been settled. Hearing that the provident fund can be used twice, Mr. Li was very surprised. Using the provident fund loan to buy a house again can save a lot of interest.

　　According to "Guangzhou Provident Fund Personal Housing Loan Measures", each paid employee can use provident fund loans twice, and the number of family housing units is "recognized" and "recognized", and differentiated down payment and interest rate policies are implemented. Then both husband and wife have paid the provident fund, how many times can they borrow it?

　　Mr. Li told reporters that they only knew through inquiry that one of the two previously purchased suites used his wife’s name to apply for provident fund loans, and the other was jointly applied by the two. After paying off the loan, Mr. Li still has a place to use the provident fund loan. This time, Mr. Li applied for a provident fund loan of 600,000 yuan.

　　The reporter consulted the Guangzhou Housing Provident Fund Management Center and learned that the husband and wife can theoretically borrow up to four times, but from the specific situation, some families do not need to borrow many times. Mainly depends on the family’s real estate and loan situation at the time of application.

　　If the husband has bought two suites, but he and his wife have never used the provident fund, he can still apply for provident fund loans twice as long as he sells both suites and has no real estate in the family name. If the loans of the two suites are paid off and sold, he can borrow again in the name of his wife.

　　The single-person provident fund loan amount is 600,000 yuan, and the double-person loan amount is 1 million yuan. In actual application, many people apply together in the name of husband and wife, so they can’t have four chances.

　　[suggestion]

　　Property buyers who have used provident fund loans can check the quota of provident fund loans through banks or provident fund management centers when applying for loans. If there are still quotas, they can use them as much as possible.

　　Whether it is cost-effective to repay the mortgage in advance needs comprehensive consideration.

　　Due to the downward trend of mortgage interest rate, the mortgage interest rate approved by some property buyers has been high. Even if the LPR is lowered, the plus point is unchanged. How to deal with it? Some people will choose to repay the loan in advance.

　　According to the social financing data released by the People’s Bank of China in February and April, the newly-increased medium-and long-term loans of residents are negative, which shows that some people are actively choosing to reduce their liabilities. At the same time, at the end of April, many banks lowered their deposit interest rates. Taking the four major state-owned banks as examples, they lowered the interest rate of three-year fixed deposits from 3.25% to 3.15%, and the interest rate of three-year certificates of deposit from 3.25% to 3.15%. Savings have increased, while the rate of return on low-risk assets has gradually declined, which has increased residents’ willingness to repay their mortgages in advance.

　　In the case that the approved mortgage interest rate is higher than the current mainstream interest rate, can I choose to repay the loan in advance?

　　According to the test case of Founder Securities Research Institute, in the upward cycle of real estate, if you buy a house in 2018 with a relatively high mortgage interest rate, you apply for a commercial loan of 1 million yuan, the loan period is 30 years, and the mortgage interest rate is 5.7%, and the first repayment is made in October 2018. If you choose to pay it off in one lump sum in October 2022 after four years of repayment, you will finally pay 949,400 yuan in the form of equal principal and interest.

　　If this 949,400 yuan is used for financial management, the annual income can reach 28,500 ~ 38,000 yuan with a yield of 3% ~ 4%. In contrast, the financial return rate is above 3.5%, so it is not cost-effective to repay in advance, and it is even more difficult to ensure that it is cost-effective at other times.

　　[suggestion]

　　According to insiders, due to different interest-bearing methods, it is not possible to simply compare the financial yield with the mortgage interest rate to measure whether it is cost-effective for residents to repay loans in advance, but to analyze specific problems. In addition to the mortgage interest rate and financial yield, it also needs to be evaluated by many factors such as repayment time, repayment method and repayment period.

1905 movie network news The movie Korea is scheduled for March 6, and the Korean poster is released at the same time. The film, directed by and starring, will be exclusively shown at Lotte Cinema in Korea. The film was released in mainland China on July 28th, 2023, with a total box office of 913 million yuan, becoming the domestic sports film box office champion in China film history.

Enthusiasm tells the story of Ding Lei (Bo Huang), a hip-hop coach, and Chen Shuo (YiBo), who loves hip-hop, overcoming various difficulties and leading the dance troupe "exclamation mark" to win the national competition. There are not only a lot of high-burning street dance scenes in the film, but also spiritual dialogues about youth, growth and dreams, which bring a journey of laughter and tears to the audience.

The fresh news morning call is all in the morning paper.

　

In the past two days, the news of Stephen Chow’s new film "killing" was overwhelming, which surprised the younger sister. The news of Crystal and Bo Huang singing for the film swept through again ~ What big things did they do? The new material in the film circle and the expected girl get together to solve it ~

Preview to see Crystal’s voice goddess turn into Spider-Man.

　

Spider-Man: Into the Spider-Verse, a superhero animated film jointly produced by Marvel Comics and Sony, is believed to be a must-see film that many people want to see. The film will make the concept of parallel universe in Spider-Man series film and television, and gather six Spider-Man in parallel space to resist evil forces together. Among them, the female Spider-Man Gwen Stacy is particularly eye-catching, and her China dubbing is "the goddess of change" Crystal ~

This is Crystal’s first animated film dubbing work. Her cheerful and independent personality coincides with that of the female Spider-Man in the original work. It is said that in order to better perform this role, Crystal, who is not a professional, has developed the habit of reading a poem every night before going to bed, so as to improve her lines. Everything comes to him who waits, Crystal’s final effect is amazing, which makes people exclaim, "Yes! She is Gwen! " If you want to better "identify" Crystal’s dubbing skills, don’t go to the cinema to support it ~

What about the star? Bo Huang is singing again! Sing the theme song for the documentary for the first time

　

Recently ~, some girls feel that there are many melons to eat, and the entertainment circle is not peaceful! Emmm~ What I’m going to talk about next is a hot spot worth mentioning, as all the fat friends who are concerned about Bo Huang must know, that is, Bo Huang sang the theme song for the documentary for the first time! Some girls watched the MV for the first time, and Bo Huang sang so beautifully! "It’s a little cold this winter. May this song give you some warmth and courage." Yes, everyone who has seen it will feel something! "The stones of life sometimes hurt your feet, so count how much pride there is in the wound." The lyrics in the theme song, through Bo Huang’s warm singing, become both story-telling and powerful.

Documentary film is the third documentary film directed by Han Xiao. This time, director Han Xiao focused on the ordinary little people whose fate and craft are intertwined. The film tells the life story and life choices faced by Huang Zhongjian, a young man who studied Cai Lifo Boxing in Foshan and was obsessed with lion dancing, and Aht, the old man who made a saddle in Xinjiang Kazak. The film will be released nationwide on December 1, 2018. Director Han Xiao said, "It is a very lucky thing for us to be invited to Bo Huang. At first, our team was very uneasy when communicating. After all, this is a very small movie. But what moved us particularly was that Bo Huang agreed to sing for our film after watching our 4-minute trailer. " Touched and voiced for ordinary people, and praised Bo Huang!

Overseas telescope "classic return" special transformers return to the original generation

　

The action sci-fi movie "Bumblebee" has wonderful flowers and clips! The first rumored film in this series, created by American Paramount Film Company, released a special production of "Classic Return" yesterday. The director Taravis Knight, starring hailee steinfeld, john cena and the behind-the-scenes creator shared their unforgettable memories when they first saw Transformers, and also introduced the design concept of Transformers in the movie "Bumblebee" — — Return to the original classic style.

Director Taravis Knight has always been a big fan of Transformers, and he also praised the film for highly restoring the G1 image, saying that it brought him back to the time when he first fell in love with Transformers. I believe that as soon as this special edition is exposed, the old TF fans will fly in place! Full of G1 animation style, square brother Optimus Prime ~ The film will be released in North America on December 21st. Now, let’s pay tribute to the classic era of autobots with the expected girl and ignite the deep memories!

Industry Broadcast "Cairo China Film Night" Film Festival opens in Egypt and four China films are shown.

　

At the invitation of the 40th Cairo International Film Festival, the 3-day "Cairo China Film Night" film exhibition kicked off in Cairo on 26th, and four outstanding contemporary China films will be shown, among which "Dong Song" is the opening film of this film exhibition ~

The film exhibition, sponsored by the Chinese Film Association, aims to make more Egyptian audiences and filmmakers know and like China films, and then know and like China better. I believe that this exchange and cooperation between China and Egypt in the field of film will certainly make positive contributions to enhancing understanding between nations and deepening friendship between countries ~

The movie Calendar was born in Lin Chi-ling.

(The specific broadcast content is subject to TV)

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　　According to reports, on 26th, US President Trump said in an interview that the US and China have exchanged views on economic and trade issues in the past few days, and the two sides may reach an agreement during the G20 summit. If no agreement can be reached, he will impose additional tariffs on China. At today’s (27th) regular press conference of China’s Foreign Ministry, Geng Shuang, a spokesman, said that the US threat could not scare the people of China, and a trade war would harm others and harm themselves, which could not solve the problem at all.

　　Foreign Ministry Spokesperson Geng Shuang:China has always advocated resolving Sino-US economic and trade frictions through dialogue and consultation, but at the same time it will firmly defend its legitimate rights and interests. The US threatened to impose additional tariffs on China, which did not scare the people of China. Chinese believes in no evil and is not afraid of pressure. He never buys it. I would like to advise the US side once again that a trade war and tariff increase will not solve the problem at all. I hope that the US side will listen carefully to the opposition of different groups and the general public in the United States to trade wars and tariff increases in recent days, and also listen carefully to the resistance of the international community to unilateralism, protectionism and bullying during the G20 summit.

　　Geng Shuang expressed the hope that the US and China will move in the same direction, take care of each other’s reasonable concerns on the basis of mutual respect, equality and mutual benefit, and strive for mutual benefit and win-win. This is not only in the interests of China and the United States and the two peoples, but also the general expectation of the international community.

　 　 [XCAR domestic new car, original]

　 　 After a long period of warm-up in the early stage, recently, we finally learned that the new GLE will be officially launched on October 19. As the successor model to the previous ML class, the new Mercedes-Benz GLE will undergo a series of adjustments to the appearance, interior and configuration. It is equipped with 3.0T and 5.5T power, and is matched with a 9-speed automatic transmission.

　 　 Tips: The new car is a facelifted model of the current ML and will replace the ML; it was first launched in Asia at the 2015 Shanghai Auto Show; its four-door coupe version, the Mercedes-Benz GLE sports SUV, has been launched one step ahead on September 3

　 　 Although the new car has not yet been launched, I believe everyone should have heard of this model. Since the world premiere of the 2015 New York Auto Show in March this year, the launch of the GLE model means that the ML model will officially withdraw from the historical stage and completely replace its position. What changes have been made by the GLE with the new name compared to the ML model?

　 　 First of all, let’s take a look at the appearance. In the face of the exterior design of the new car, compared with the current ML, the GLE model gives people a more rounded overall feeling. The newly designed middle net and the more meticulous and delicate air power kit make the model more suitable for the family-style front face of Mercedes-Benz, and the overall appearance also reveals a slight crossover design style.

　 　 In the rear part of the car, the new car has adjusted the internal structure of the taillights, and the design of the rear bumper has also changed. It also uses a built-in two-sided polygonal exhaust pipe.

　 　 In terms of interior, referring to the new car released at the 2015 New York Auto Show, the GLE’s interior is roughly the same as that of the earlier Coupe models. In addition to the steering wheel differences, the electronic devices have also been improved. The human-machine interaction system with a larger screen and the new version of the dynamic control system (DYNAMIC SELECT) are also implanted. It is reported that this system can provide six different driving modes to choose from.

　　　　In terms of power, according to the previous declaration information in China, the new car will be equipped with 3.0T and 5.5T engines, and the transmission part will be fully matched with a 9-speed automatic transmission. At the same time, the new car will also be matched with a four-wheel drive system. The specific details are yet to be officially announced on the day of listing.

　 　 Editor’s comment:The upcoming launch of the new Mercedes-Benz GLE model will replace the original ML model to continue to complete the tasks it has undertaken in the family tree, and will try to further expand the client base with a new look. As for the follow-up efforts, we can only wait and see for the time being. It is expected that it will effectively hit competitors.

Review of relevant content:

Hello GLE Goodbye ML New York Auto Show Mercedes-Benz GLE Analysis

868,000, Mercedes-Benz GLE sports SUV Chengdu Auto Show

On December 28th, some bloggers exposed more spy photos of M8, a brand-new model in the world, mainly showing the tail shape of the new car. According to the picture, the tail of the M8 is designed with a penetrating taillight, and the light strip forms a linear effect after lighting. After careful observation, we can find the overall outline of the taillight module, which is similar to the taillight shape of Jiejie M9. It is expected that Jiejie M8 will adopt the same design of Xinghe headlight as M9.

Later this month, the spy photos of the front face of the M8 were also exposed. This model uses a dark red body color scheme, with a rounded front face and split headlights, which continues the family-style design style. Although the pictures of the side and back of the vehicle are not clear, it can be seen that the design of the door handle is relatively flat, and it is expected to adopt a semi-hidden design.

According to previous reports, HarmonyOS Zhixing plans to sell more than 10 models next year, including the M5, M7, M8 and M9. Enjoy the extended range power version of S9, and the models are divided into extended version and travel version; Wisdom S7, r7; Zunjie S800 and the second model of Zunjie. According to the report, as a brand-new model, the Wenjie M8 will be launched in the first half of 2025, and one of its benchmarking roles is the ideal L9.

The exposure of spy photos of the M8 in the world of inquiry not only attracted great attention from the industry and consumers, but also indicated the further expansion of the brand of inquiry in vehicle layout. With the launch of M8, the product line of the brand will be more abundant, providing consumers with more choices. At the same time, the listing of the M8 will also intensify the competition in the medium and large SUV market, especially the competition with the ideal L9 equivalent model.

Nowadays, the first thing for consumers to buy a car is to see whether this car is rich in configuration, and it is no exception to nature. Let’s look down with Xiaobian.

Let’s take a look at Komik’s appearance first. Komuk’s front face looks very clean and refreshing as a whole, and the air intake grille uses a straight waterfall shape, which is very recognizable. Coupled with fashionable headlights, it has a great visual impact. The car is equipped with LED daytime running lights, automatic opening and closing, delayed closing and so on. Coming to the side of the car body, the size of the car body is 4409 mm * 1781 mm * 1606 mm. The car adopts fashionable and dynamic lines, and the side circumference looks very sharp. With large-sized thick-walled tires, the shape is quite simple. In the design of the rear end, the rear end looks very comfortable, the taillights look very simple, and with the unique exhaust pipe, it is very simple and fashionable.

Coming to Komuk, Komuk’s interior looks solid and the visual effect is very good. The car looks very good outside the steering wheel, made of plastic, and looks a little more unique. Let’s take a look at the central control. The design of the center console is reasonable, which makes the interior design quite layered and conforms to the mainstream aesthetics. The dashboard and seats are equally eye-catching, and the car is equipped with a stylish dashboard with excellent display effect. The car adopts imitation leather seats, which are wrapped in place, with exquisite materials and comfortable ride.

Komik is matched with an automatic manual transmission (AT) gearbox, with a maximum power of 80KW and a maximum torque of 141N.m, with good power performance.

The car is equipped with driving mode selection, remote control key, rear wiper, engine start and stop, traction control (ASR/TCS, etc.) and other configurations, which greatly improves the convenience of using the car.

The car introduced today is remarkable in terms of space, configuration and power, and home travel is also a good helper. If you are interested, you might as well experience it.