There is now 96% of households in the country that own one property, and 41.5% of households have two or more properties. Those who have not bought a house so far are some recent college graduates, and some migrant workers and entrepreneurs who have walked from the countryside to the city. In the face of high housing prices, they will not consider taking over now.
But the real estate glut, that's a fact, can't be changed. Because out of 100 families, 41.5 families have two or more houses. Of course, I don't know how this statistic came from, does it include rural houses? If you count the houses in my rural hometown, then I should also have two houses!
Therefore, there are two problems here, especially for families who hold two or more houses in their hands, that is, people who have multiple properties, they must make two preparations in advance, and many people don't even have a concept of these things!
First of all, prepare to understand the market dynamics and be ready to cash out at any time!
I have a friend who made a little money in business in his early years, he was very smart at the time, and he bought a house as soon as he earned the money, but he bought a house with leverage, that is, a down payment of 30%, and the remaining 70% was a loan from the bank. Ten years ago, there were no standards for housing and loans in second- and third-tier cities. So he bought a total of 5 houses.
In 2015 and 2016, when the house price rose, he did make a little money, but he still has two houses in his hand, and the pressure to repay the money is also relatively large, in 2020, I have persuaded him to hurry up and sell the two houses in his hand, and he can have a house. But he didn't listen at the time, he thought that the house price would rise, but as a result, these two houses couldn't be sold, and even if they had to sell, they would lose a lot!
So be sure to understand the dynamics of the market next year. If housing prices are still stable and falling, then it is undoubtedly the best choice for you to sell now! If housing prices can continue to maintain the status quo next year, it is also the best choice for you to sell at a low price! As for the reasons, I will talk about them later.
The second point is to understand asset allocation and risk management!
After many people make a little money in their early years, they don't understand what asset allocation is at all, and they don't understand what risk management is! He knows that when he has money, he will buy a house, the house will not depreciate, but will appreciate in value, and if he needs to use the money, he can sell the house to make money, and most people thought so at that time!
Therefore, it is necessary to talk about the issue of asset allocation and risk management! What are assets? houses, cars, gold, stocks, futures, bonds, companies, factories, and so on. So if you only know that the house can be used as an asset, and put all your wealth on the house, when the bubble is squeezed, your house will be completely reduced to a depreciating asset.
So there is another word mentioned here: risk management! Smart people are now breaking bones to deal with the real estate in their hands, and then re-making assets and optimizing asset allocation, the main purpose is also to control risks! Especially some people who have leveraged real estate speculation, they should do a good job in risk management.
I know a boss who knows a lot about asset allocation and risk management. Before 2018, he had no less than 20 properties in his hands, and during the epidemic in 2020, almost all of them were sold. In his own words, the epidemic has made many people live and understand, and many people's family assets have fallen into negative numbers, and if they don't sell their houses at this time, they will definitely be smashed into their hands in the future!
So here is a truth about human nature, when others are greedy, you have to become a little more fearful. You can be a little greedy when everyone else is afraid, because human nature is to seek advantage and avoid harm, and when everyone thinks that this thing is profitable, you can do it against human nature, but you can protect yourself. When everyone thinks that this thing cannot be done, they choose to avoid harm, and at this time, you can rise to the challenge, but you can get a lot of profits! #文章首发挑战赛#
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