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中国人民银行公告:取消个人房贷浮动利率“重定价周期最短为一年”的限制;允许借贷双方协商调整利率相较LPR的加减点。
对于固定利率房贷,借贷双方可协商,发放新的浮动利率房贷置换既有房贷,利率加减点按现值折算。
各银行应在10月31日前统一批量调整存量房贷利率,降至不低于LPR-30bp,以应对近期新老房贷利差矛盾的积累扩大。
中国人民银行新华社

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Recently, Durav wrote on his Telegram channel that users' right to privacy, in light of the war in Ukraine, is "sacred, now more than ever." But Kliuchnikov, the Ukranian now in France, said he will use Signal or WhatsApp for sensitive conversations, but questions around privacy on Telegram do not give him pause when it comes to sharing information about the war. Telegram does offer end-to-end encrypted communications through Secret Chats, but this is not the default setting. Standard conversations use the MTProto method, enabling server-client encryption but with them stored on the server for ease-of-access. This makes using Telegram across multiple devices simple, but also means that the regular Telegram chats you’re having with folks are not as secure as you may believe. Founder Pavel Durov says tech is meant to set you free Friday’s performance was part of a larger shift. For the week, the Dow, S&P 500 and Nasdaq fell 2%, 2.9%, and 3.5%, respectively.
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