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Buying a house is one of the major events in life, but it is also one of life's troubles. After all, in modern society, high housing prices are already a well-known thing, and many people are desperate to make money, and it may take many years to buy a house, and even take out a loan.
However, in the era of housing price regulation, buying a house seems to be a very confusing thing, and many people don't know whether to buy a house, when to buy a house, and what kind of house to buy. If we don't buy a house this year and next, will we buy a house casually or even more unaffordably in the next five years? This is a question that many people are concerned about, and this is also the question that this article will explore.
First, the trend of housing prices
To answer this question, you must first understand how house prices are trending. According to the National Bureau of Statistics, in 2023, the price of newly built commercial housing in 70 large and medium-sized cities across the country increased by 4.6% year-on-year and 0.5% month-on-month. Among them, the price of newly built commercial housing in first-tier cities increased by 3.3% year-on-year and 0.6% month-on-month.
The price of newly built commercial housing in second-tier cities increased by 5.2% year-on-year and 0.5% month-on-month, while the price of newly built commercial housing in third-tier cities increased by 4.7% year-on-year and 0.4% month-on-month. From these data, it can be seen that although housing prices have not risen sharply, they have not fallen significantly, and the overall trend is stable and rising.
So, how will housing prices change in the next five years? It depends on many factors, such as economic development, demographic changes, policy regulation, market supply and demand, etc. According to the analysis of some experts, the trend of house prices in the next five years may show the following characteristics:
First, the rise and fall of housing prices will vary from city to city, and there is still room for housing prices to rise in first- and second-tier cities and some hot third-tier cities, mainly because these cities have strong economic strength, population attractiveness, industrial advantages and housing demand, and are protected and supported by policies.
Housing prices in other third- and fourth-tier cities and some backward second-tier cities are likely to fall or stabilize, mainly due to slow economic development, serious population loss, single industrial structure and sluggish demand for housing, as well as policy restrictions and constraints.
Second, the increase in housing prices will tend to be reasonable, and there will not be too fast or too slow, mainly because the government will continue to strengthen the regulation and control of the real estate market, adhere to the positioning of "housing for living, not speculation", implement differentiated credit, land, taxation and other policies, promote the coordination of housing prices with residents' income, economic growth, urban development, etc., and prevent large fluctuations in housing prices.
Third, the structure of housing prices will be optimized, and the quality and function of housing will be improved, mainly because the real estate industry will accelerate the transformation and upgrading, from the past quantitative expansion to qualitative improvement, from the past homogeneous competition to differentiated competition, from the past low-end housing to high-end housing, to meet the diversified needs of consumers at different levels and different needs.
Second, the choice of buying a house
In addition to the timing of buying a house, the choice of buying a house is also very important. Buying a house should not only look at the house price, but also look at the quality, location, supporting facilities, and future appreciation space of the house. Generally speaking, it can be considered from the following aspects:
One is the quality of the house. The quality of the house includes the structure, design, decoration, facilities, safety, etc., which directly affect the comfort and durability of the house. To buy a house, you should choose a house of good quality, and don't buy a low-quality house for the sake of cheapness, otherwise it will bring a lot of trouble and losses to yourself.
The second is the location of the house. The location of the house includes the city, region, community, floor, etc., which directly affect the convenience and value of the house. To buy a house, you should choose a house with a good location, and don't buy a remote house in order to save money, otherwise it will bring a lot of inconvenience and risk to yourself.
The third is the house support. The supporting facilities of the house include transportation, education, medical care, business, entertainment, etc., which directly affect the quality of life and value-added potential of the house. When buying a house, you should choose a well-equipped house, and don't buy an isolated house in order to save trouble, otherwise it will bring you a lot of shortcomings and regrets.
The fourth is the future of the house. The future of the house includes the development prospects, planning, and policies of the city, region, and community where the house is located, which directly affects the appreciation space and rate of return of the house. When buying a house, you should choose a promising house, and don't buy a house without a future for the sake of immediate benefits, otherwise you will bring yourself a lot of losses and regrets.
To sum up, the choice of buying a house should be comprehensively considered according to your actual situation and expected goals, and you cannot blindly pursue low or high prices, nor can you blindly listen to the opinions of others, and you must have your own judgment and decision-making.
epilogue
Buying a house is a major event related to the happiness and wealth of yourself and your family, and it is not an easy decision to make. If we don't buy a house this year and next, will we buy a house casually or even more unaffordably in the next five years? There is no definite answer to this question, and we can only make reasonable judgments and choices according to our own situation and changes in the market.
This article provides some references and suggestions from three aspects: the trend of house prices, the timing of buying a house, and the choice of buying a house, hoping to help.