Hearing their respective media bloggers are saying that this reduction will cause a new round of price increases in house prices, let them hurry up and buy a house.
For this statement, let's take an example, if you were a child and had to spend half of the last year every year. Suddenly, one year, your mother took a piece of money from the old money you picked up and asked you to spend it, what would you do at this time?
Of course it's "Buy toys!" ”
To put it in layman's terms, the reduction of the standard is to let the major banks take out a part of the reserve money locked in the warehouse to lend to others to promote various consumption in the market, which is just said to "buy toys". In the interpretation of the market, if the person who buys toys reaches a certain volume and makes the supply of toys in short supply, the price of toys will rise.
But in the real estate industry, it is often not only the number of houses that are affected, but also the price of the houses.
Since the wind of the RRR cut last month, many banks have lowered the interest rate of housing loans, (the interest rate of the mainstream first home loan in Baicheng in November was 5.69%, down 4 basis points from October; the interest rate of the second home loan was 5.96%, down 3 basis points from October. At present, the interest rate of new housing loans in Zhengzhou: the first set is 5.785%, and the second set is as low as 5.88%. )
The number of transactions in second-hand houses is indeed much better than before.
August 439 sets,
September 944 sets,
October 1298 sets,
November was a little weaker, but the good guys also sold 862 sets. At the same time, the transaction price of second-hand houses in various places is lower than in October.
For example, the average transaction price in Zhengzhou fell to 10871 (the average price in September was 11314/flat). The average transaction price in Shanghai fell to 38,000 (the average price in October was 38811/flat), setting a new low for the year. Moreover, the number of cities where house prices have fallen has further expanded, especially in third- and fourth-tier cities.
Recently, the National Bureau of Statistics released the housing price data for October, and the national average house price was 9962 yuan / ㎡.
It is reported that this is the fourth consecutive month of decline, and it is the first time in the year that it has fallen below 10,000 yuan. In fact, since the second half of this year, among the 70 large and medium-sized cities that the National Bureau of Statistics has focused on, the number of cities with a downward trend in housing prices has been increasing.
July: The price of new houses fell in 16 cities, and the prices of second-hand houses in 26 cities fell;
August: 20 cities new housing prices fell, 34 cities second-hand housing prices fell;
September: 36 cities new housing prices fell, 52 cities second-hand housing prices fell;
According to the latest 70-city house price data released by the National Bureau of Statistics: in October, there were 52 cities where the price of new houses fell month-on-month, and the price of second-hand houses fell by as many as 64.
According to this trend, it is not far from the "total annihilation of the army" of 70 cities.
Why?
Because the developers with huge debts began to get involved.
Just in October, although the number of transactions in second-hand houses is gradually increasing, the number of transactions in first-hand houses is declining more and more. New home sales in October fell just about 24 percent compared to last year. But by the time it was noticeably relaxed to November. Sales of new homes have fallen to more than 28 percent. The pressure of various payment collections is nearly the end of the year, forcing developers to reduce prices again. Compared with October, the price of new houses in 100 cities across the country has been reduced by 4 per 10,000 by major developers, which is the second comprehensive reduction since 2015. Shenzhen's first-hand houses have dropped by 15 per 10,000, and they have been pulled into the abyss by the second-hand house prices that could have been warmed up. However, the money on the market is slowly increasing, and the past 1 million is obviously worth more than the current one. Therefore, for the "just needs" who hold the wallet, I believe that if you wait, there will always be a more suitable house for yourself.