In 2019, wang shi, a real estate tycoon, once said such a sentence: young people are best not to buy a house too early. At present, Wang Shi's prediction has come true, and the real estate market has ushered in a major cooling.
In the early years, house prices continued to rise, and the average house price in a large number of cities rose to more than 10,000 yuan. According to such a unit price, a house of 100 square meters is worth millions. Among them, in the bustling cities of Beijing, Shanghai and Guangzhou, a house is worth millions, and the central area is even as high as tens of millions. House prices continue to rise, and rich people worth tens of millions of dollars bite their teeth and take it, but there are not many such rich people in China, most of them are ordinary people. Seeing the rising house prices, many ordinary families have delayed or abandoned their plans to buy a house.
As we all know, Chinese families have a special love for houses, and having a house is equivalent to having a home, especially the basic condition for contemporary young people to get married is to have a marriage house. For this unwritten rule, many couples obviously have a good relationship, but in the end they parted ways because of practical problems. Over time, domestic marriage rates, including fertility rates, have been affected, leading to a population crisis on the brink of eruption.
The state began to crack down on speculation
The reason for the soaring house prices, in addition to the large demand, is that the phenomenon of speculation is serious, so if you want to stabilize the house price, you have to work hard from the speculators. From a long-term perspective, the state has to find ways to stabilize housing prices. First of all, a warning was issued to prohibit speculation, but the effect was not significant, so it could only take practical action and plan to introduce a property tax.
You know, once the new regulations are landed, the cost of speculation will increase significantly. Originally, many speculators were loans to buy houses, and there was pressure to repay loans every month, and if they had to bear the tax burden in the future, speculating in houses would no longer make money. After the country released the wind of levying property taxes, some speculators have resold their surplus houses. After the phenomenon of speculation was controlled, domestic house prices gradually flattened out, and some areas also fell.
40% of urban families will face some trouble
After the real estate market cools down, for 40% of urban households, the future may face several major thorny problems.
The first is that resale of second-hand homes will become more difficult. Nowadays, house prices show a flat or downward trend, and most families' first choice is definitely new homes. In the past, house prices soared, most families are not rich enough, will retreat to the second choice to buy cheaper second-hand houses, but at present, the price of new houses has a downward trend, we naturally will not look at the second-hand houses, after all, everyone is willing to use new goods.
The second point is that it is a fallacy that house prices only rise and do not fall, and it is recommended that the masses with investment ideas take the opportunity to dispel this dangerous idea. Nowadays, the state clearly wants to crack down on speculation, a large number of speculators are anxious to find a way to stop losses, and others should not be retrograde to find trouble. If the investment property fails in the future and is folded in their own hands, they cannot be resold, and the other side is unable to repay the loan, it is likely to be included in the credit blacklist, and the consequences are unimaginable.
Third, we must always pay attention to national policies, such as the property tax that is eager to move. At present, many people are speculating about what the standard area of tax exemption is. For this problem, some experts propose to calculate according to the per capita area, such as an average of 40 square meters per family member, according to a family of three, the tax-free area is 120 square meters. If this is the case, most of the family area is within 120 square meters, there is no need to worry about property tax pressure.
The cooling of the real estate market is a bad thing for speculators, housing enterprises, and developers, but it is a long-lost good news for ordinary people, and they can finally afford to buy a house. It is recommended that you save enough for a down payment or full payment in time, do not wait and see for a long time, because house prices will not plummet, at most it will rise slowly.