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Some time ago, Wang Min never dreamed that he had spent more than 5 million yuan to buy a house in Beijing's Yanjiao area.
But half a year later, the market value of this house has shrunk by nearly half, and at this time, he does not even have the confidence to repay the loan.
In fact, not only first-tier cities such as Beijing, but also developers in Hefei, Wuhan and Changsha are also reducing housing prices in disguise, just to sell their properties in order to recover cash flow.
However, many people are curious about this, why does the state explicitly prohibit developers from reducing housing prices? What are the consequences if house prices are illegally lowered?
As early as 2021, the property market released a signal to reduce prices, which also made people panic, and in August 2021, Tangshan, Hebei Province took the lead in interviewing 10 real estate companies, including the famous Vanke, Longhu, Sunac and Country Garden.
It is reported that the content of this meeting is focused on how to rescue the market, and then crack down on malicious price reductions. In fact, since 2020, there have been a number of incidents in the real estate market of cities across the country that have caused a disguised decline in developers to cause owners to protect their rights, which once made a fuss.
Taking Tangshan, Hebei Province, as early as July 2022, the relevant data released in July 2022 directly fell by 0.42% month-on-month, and the second-hand housing fell by 0.1% more than the new house, and the decline ranked among the top three in the country.
Then, in this case, many speculators may become less calm, and at the same time, owners who start houses based on just needs will also feel that they have become the wrong person to take over.
After all, many people start from a high position, and when the national house prices are rising, the average house price in most cities has exceeded 10,000 yuan per square meter, so that the soaring house prices make many people unable to sit still.
As everyone knows, some buyers who love to join in the excitement may also be trapped. In fact, in theory, China's houses are in excess of supply, and everyone does not need to rush to buy without a house.
However, when the house and social status and marriage are tied together, many young people with a monthly salary of 3,000 can only empty 6 pockets just to build a nest early.
So, to put it bluntly, for developers, the purpose of their price reduction is nothing more than to sell the house better, but why do they break the law by doing so?
In fact, in the final analysis, this is mainly because the state does not want developers to arbitrarily change prices, thereby disrupting the property market and making society dangerous.
Because from an economic point of view, the value of commodities determines the price, each commodity will have its fixed price and a certain rise pattern after circulation to the market, if the price is changed at will, this may also have a series of adverse effects.
Even dominoes will be induced, then various supply chain companies triggered by the property market will also face crises. Objectively speaking, due to the different sales times of houses, even houses under the same area will have different prices at different time nodes.
But if the price difference is too great, whether it is a friend who buys a house, or a friend who has not bought a house, it may be uncomfortable. For example, home buyers think they are spending more.
For friends who have not bought a house, they are even in a wait-and-see state for a long time, and even think that house prices will fall repeatedly, then, in this way, they are not in a hurry to buy a house, which will be not very good news for developers and the Chinese real estate market.
Combined with China's actual national conditions, due to various restrictive factors in the housing market, if there are no mandatory regulations, it is difficult to control the property market, and even difficult to guide it into a virtuous circle and development stage.
Therefore, the purpose of national macro-control is mainly to ensure the stability and fairness of the property market, so as to maintain social harmony. For most buyers, the emergence of houses is to improve everyone's quality of life, not to reduce everyone's quality of life.
Based on this premise, first of all, you can combine your own economic situation to choose a house that suits you. Some working-class friends may want to buy a villa.
However, this is far beyond their financial means, and even if they successfully make a down payment, the rest of the loan repayment may be difficult.
In addition, for most friends who want to replace the house, you can comprehensively compare the geographical location and living experience of the house, and then make a prudent decision.
For some friends who speculate in houses, blindly buying may make the cash flow in their hands tight, and in the future, if the property tax does come, it may also be extremely bad news for them.
Up to now, many cities in China have successively become pilot projects for property tax, so everyone should plan ahead in case of emergency.
What do you think about buying a house? Welcome to discuss in the comment area!