Xu Jiayin once again emphasized the matter of handing over the building and put forward the goal of 600,000 units this year. After Evergrande had a problem, Baojiaolou became the focus of attention.
There have been many real estate companies in the past two years, because many houses are now pre-sold, so as soon as the real estate company has an accident, those who bought off-plan houses are basically unlucky. Therefore, many people have also begun to point the finger at the pre-sale system.
In addition to pre-sales, the public pool system is also deeply hated by many people. So when Huo Yingdong invented the pool and pre-sale, was the advantages outweighing the disadvantages, or the disadvantages outweighed the benefits?
After 1949, many mainlanders began to pour into Hong Kong, and the population of Hong Kong soared from 500,000 to 1.5 million throughout the 1950s. The population boom has left Hong Kong with a serious shortage of housing. Because in the war in the 1940s, many houses in Hong Kong also collapsed.
At that time, the corridors of many buildings in Hong Kong, as well as the rooftops and basements, were full of people. In this case, a group of entrepreneurs such as Huo Yingdong saw the opportunity of real estate. However, at that time, the real estate system was very inflexible, and the house had to be sold in its entirety, so that many people would not have the opportunity to buy a house, because buying a house was not allowed by many people's financial resources after all.
In 1953, Fok Ying Tung developed the Kowloon Champagne Building, and for the first time he used the concept of buying by set, and the concept of public pool was also born. In the past, when buying by building, there was naturally no pool, and after the sale of the set, the pool area was generated, so the concept of pool appeared.
The emergence of the pool, at that time, was actually a good solution to the problem that the house could not be sold according to the set. From that point of view, the advantages definitely outweighed the disadvantages.
The pre-sale system was called Louhua in Hong Kong at that time. Fok Ying Tung was developing a 100-building community in Hong Kong at that time, and such a large-scale community needed a lot of funds at that time. Huo Yingdong himself did not have so much money, so he thought of a way to launch the so-called louhua.
Before this, the house was built and then sold, so that the developer's capital cost was very high, and the final cost had to be passed on to the buyer, so the buyer finally bought the house at a relatively high price. The price is high, then there are fewer people who can buy a house.
Huo Yingdong thought of the method of building flowers, just took the land and began to sell houses, buyers are based on drawings to buy houses. Fok Yingdong can get a lot of money from home buyers in advance, which can be used to pay for construction costs, and he saves the cost of borrowing from the bank.
Fok Yingdong also gave the saved capital cost to the buyers, so the buyers who bought the house can be much cheaper than the people who buy the existing house. Buyers are also profitable, so buyers are also more willing to buy pre-sale houses.
After the introduction of these two systems, many Hong Kong people began to buy houses, which actually greatly solved the problem of living at that time. Subsequently, Fok Yingdong also introduced the method of installment payment, so that more people who could not buy a house could buy a house. Because in the past, many people rented a house, and then slowly saved money to buy a house.
Nowadays, with only a down payment, buyers can buy a house, and the monthly payment is actually similar to the rent they rent.
To put it simply, pre-sale or public sharing, at that time, it was definitely more beneficial than harmful. The real estate marketing in the mainland only began in the early 1990s. Initially, the mainland implemented a system of units and houses. Many people have old houses that are almost allocated by their parents or grandparents in the 80s.
After the 1990s, pilots began in Hainan, and the mainland also began to learn from Hong Kong's system. In 1987, Shenzhen held the first land auction in the mainland at that time, and finally Shenzhen entrepreneur Luo Jinxing spent 5.25 million yuan to buy the first public auction of land, and then he used this land to build Dongxiao Garden.
At that time, Shenzhen wanted to develop, but it suffered from lack of funds. Hong Kong entrepreneur Hu Yingxiang came to Shenzhen to investigate, and he told the leaders of Shenzhen at that time, how can you have land and no money? This has opened up the development ideas of the mainland. Subsequently, the mainland began to fully study Hong Kong's real estate system, and real estate began to blossom everywhere.
At present, almost all the major real estate companies in the mainland have developed since the end of the 1990s, Evergrande, which developed from Guangzhou, Country Garden, which developed from Foshan, Vanke, which developed from Shenzhen, and Shimao, which developed from Shanghai.
Nowadays, real estate companies frequently thunderstorm, and the problem is not in the pool and pre-sale, but because of the capital chain problem of these companies. The system is dead, the talent is alive. The knife is a weapon in the hands of the bad guys, and if it reaches the hands of the good guys, it is a weapon to defend the country.
So the key is still in people, or in supervision. However, the development of real estate has reached a new period. Yu Liang of Vanke also said that real estate has now entered the era of black iron. In the past 20 years, we have built enough buildings, the demand of the future market is changing, the demand is decreasing, and the structural improvement is also increasing.
As long as there is a real estate market, the Internet is gone after hundreds of years, but the real estate is still there. It's just that the market is no longer the gold market of the past 20 years.
Hong Kong abolished the system of pooling more than a decade ago, using the utility area uniformly. In fact, whether it is with the building area or the practical area, the total price of the house will not change, but in other aspects it is still different, for example, in terms of property fees, if the area of the suite is used, then the landlord can save a lot of money, and this calculation can also allow the buyer to better understand the real area of the house he bought.
For the pre-sale system, it is best to tighten it slowly now, in the past it was possible to do pre-sale with land, and now it can be changed to a cap before it can be pre-sold, so that the risk of buyers can be reduced, and perhaps it is possible to directly cut off pre-sale in the future. In the past, these systems were introduced in order to solve the problem of many people without a house as soon as possible, and now most people have a house to live in, just to improve living conditions, for example, a small house should be replaced by a large house, and those without an elevator should be replaced by an elevator.
In fact, the birth of each system has its historical conditions, and Huo Yingdong invented these systems at first, but they were later used by some people. The key is not in the system itself, but in the people themselves.
Nowadays, so many real estate companies have problems, the bigger problem is still in the supervision of funds, three red lines have been launched, so that many companies are exposed.