最近大家都在撸京东的货,神价、史低价很多,小默刚才买了伊利甄稀杯90g装的18杯只要50块钱,是外面超市的一半好价,夏天了囤点没错。 长按下面二维码领各类红包和满减券,主页有很多促销好价: ![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/061b71dc22bd.gif?oss-fix=gif%2FdTxkmqQ6SznicxdpxUKbBLoJzSlpvNfyfeGn8PIB1Wx5kSbhECECnibDwEYfQrkyyjQibSo1zMUX5sJo4KzcibF9GQ%2F640%3Fwx_fmt%3Dgif%26amp%3Bwxfrom%3D5%26amp%3Bwx_lazy%3D1%26amp%3Btp%3Dwebp)
京东出的200-20神券,真的全场通用,领了券直接就能申请价保,20元券秒变20块现金!!二维码进去先开红包,页面上会有20元券,退出多进几次就会有领取入口: ![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/db71c5b1d445.png?oss-fix=png%2Ficj2gRv72nrZo1eHY0EYKxreluUcHz77cGUtpbCvKnCFNYfZBom1ia9e4LFfcbeNXnVxEMohcR3Za5vWFtySAvsw%2F640%3Fwx_fmt%3Dother%26amp%3Bfrom%3Dappmsg%26amp%3Bwxfrom%3D5%26amp%3Bwx_lazy%3D1%26amp%3Bwx_co%3D1%26amp%3Btp%3Dwebp)
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最近多地官宣了降首付、房贷利率,小默信用卡群里也不少谈起。比如广州首付居然只要15%,200万的房子首付只要30万?房贷利率也很低,问了广州的卡友说差不多年化3%的样子。 ![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/da1a63addcf5.png?oss-fix=jpg%2FgDXRmMapx8mGAxTsj7RoicAjG4DtQia2ethEvprEHfDFRxwAtt4MXNKVAlVHF7fJn12dUkaDIbUzewrsfgbpEWhA%2F640%3Fwx_fmt%3Djpeg%26amp%3Bfrom%3Dappmsg)
看看信用卡额度,再看看各家银行各类信用贷利率(3%,招行闪电贷),这不是明摆着让大家快去买房么。很多卡友还想再等等,毕竟,这些降低了,月供也不低~对未来预期不看好。 昨天小默打开支付宝-网商银行收割福利金收益,跳出来一个缩水公告,瞅瞅,数学太差的一下子还没反应过来: ![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/18c24cf06140.png?oss-fix=png%2FgDXRmMapx8mGAxTsj7RoicAjG4DtQia2etYhafjibw7kmOvSvyE8p5fOVyYeeBfIm3Z6lEK67q47uicGARbPV8ChVg%2F640%3Fwx_fmt%3Dpng%26amp%3Bfrom%3Dappmsg)
给大家总结一下变化点,直观的就是存在网商银行福利金收益变低了,从一开始的年化3.4%保本保息到3%,再到现在的1.9%样子(1万每天收益0.5元),缩水后肯定是换渠道了! 群里很多卡友通过福利金赚了10多万了![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/7b9303b941b9.jpg?oss-fix=https%3A%2F%2Fres.wx.qq.com%2Ft%2Fwx_fed%2Fwe-emoji%2Fres%2Fv1.3.10%2Fassets%2Fnewemoji%2FYellowdog.png) ![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/6f5d1183f4eb.png?oss-fix=png%2FgDXRmMapx8mGAxTsj7RoicAjG4DtQia2etjw6qLgusfh1FwkqFPYeJz5Qa3XhddGR1POMImJctAWHu3YiaTeHQ9nA%2F640%3Fwx_fmt%3Dpng%26amp%3Bfrom%3Dappmsg)
现在银行理财、存款也在持续变动,没有之期高了,大家钱放在银行反而安耐不住。像小默最直接的做法,取出钱--还清房贷,我的房贷有将近5%,但是银行理财才3%左右,还清了房贷反而在“赚钱”了,等以后房子行情好了,再用低的利率入手新机会。现在只想把欠银行的钱还了多贷一天都觉得自己是冤大头。 支付宝网商银行收益缩水从6月20日开始,小默用到现在赚了很大一把福利金,过夜就有收益+大额转账秒到秒出,用的还真的挺不错,但是前提是收益得和我平时理财水准差不多。 ![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/370da5513d3e.png?oss-fix=png%2FgDXRmMapx8mGAxTsj7RoicAjG4DtQia2etYPDuIBDSexWh338BzyNOLl5D8OS3JicxHU9vmkibQEcicicqBGYpJzg50A%2F640%3Fwx_fmt%3Dpng%26amp%3Bfrom%3Dappmsg)
缩水后,打算放到腾讯微众银行,如果你是新户还能薅一把新户礼最高1500元,长按下面二维码-点击底部【入金领好礼】-报名活动 ![](https://static.432520.com/travel-forum/2024/6-13/foxiyk/705573792145.png?oss-fix=png%2FgDXRmMapx8mGAxTsj7RoicAjG4DtQia2etY3Bib7KauFzdTKHnAibseWLCCKMJbenh3TpAJ7XnoQnpbresjzU1WhJg%2F640%3Fwx_fmt%3Dpng%26amp%3Bfrom%3Dappmsg)
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