#精品长文创作季#
When it comes to houses, the past two years have become a headache for many people, if nothing else, that is, the house they have worked hard for can't be sold, who can not be on fire?
You know, many people buy when housing prices are at a high level, and many people who have no financial strength empty their parents' wallets in order to buy a house, just to be able to buy a house that they are satisfied with at home.
Over the past 20 years, China's economy has boomed, urbanization has accelerated, and more and more rural people have flocked to the cities to exchange their hard-earned money for a place in the city.
However, in the past few years, the price of the house that I once bought with my hard-earned money has fallen again and again, to a level that people can't accept.
For the current second-hand housing market, most of them have no location, no school district, general decoration and other houses with poor comprehensive conditions, either choose to sell at a loss, or keep it in their hands and wait indefinitely.
In the face of such a housing market, whether to sell or not to sell is a difficult problem for all buyers.
In fact, careful people have discovered that the problems we face in our lives are not only the problem of the house not being able to sell, but more problems have occurred in the city, and in fact, these problems are closely related to us.
If the housing price problem is a corner of urban life, then the other six major problems are also invisibly affecting our lives in many ways, so what are these problems, and what is the impact of these on our lives?
1. The huge difference between house prices and incomes
In the process of urban development, more and more rural people want to live in cities, so more and more people are pouring into cities.
In the past 20 years, 250 million rural people have flocked to cities to buy houses and settle down here.
Compared with rural life, urban life has attracted a large number of rural residents to the city in terms of education, medical care, living standards, transportation and other aspects.
If you want to live in the city, you need to buy a house, and you must know that it is not an easy thing to buy a house.
The gap between housing prices and income has an official explanation for the relationship between the average house price and the average income of a city or country, if the ratio is 3-6, then it is a normal level, more than 6 is too high, less than 3 is too low.
There is a lot of gap between housing prices and income in the mainland, I believe many of us have experienced, take the general second-tier cities as an example, if a person's income is 5,000 yuan, then the general second-tier city house also needs about 15,000 yuan.
A person's monthly income is 5,000 yuan, then the disposable income is only about 2,000 yuan, and the ratio between 15,000 yuan and 2,000 yuan has reached 7.5, which is just a rough calculation
Obviously, the larger the ratio, the lower their desire to buy a house will be for ordinary people, because in the face of high housing prices, who has the courage to buy it if you look at the salary in your hand?
Second, the continuous generation of vacant houses
Vacant houses refer to houses that are neither rented nor sold, these houses are basically unoccupied, there is a statistical rate for their statistics, which is the proportion of vacant houses in the total number of houses, the higher the vacancy rate, the larger the stock of houses, which cannot be consumed by this market.
It is clear that the vacancy rate of houses in both urban and rural areas is very high, indicating that the real estate market is completely oversupplied, and this proportion will continue to rise with the blessing of people's changing attitudes and demographic problems.
Many people even make bold predictions that many people will have a lot of houses in their hands in the future, and if that day comes, how to deal with so many vacant houses?
Third, economic development has slowed down and population loss is large
The population problem has always been the focus of attention of cities and countries in recent years, and the declining number of newborns and the increasing elderly population have made many cities start a tug-of-war for population.
Population outflow refers to a process of population flow of a city to other statuses, and many aspects of a city's economy and culture will affect its population.
The outflow of people will lead to a shortage of talent, insufficient productivity, and shrinking tax revenues.
Population problem has always been a big problem in urban development, in recent years, with the number of births decreasing year by year, but the problem of population aging is gradually intensifying, which leads to the continuous reduction of urban population, in order to stabilize the development of the city, each city must grasp a lot of foreign population, in order to meet their production needs.
In recent years, in order to retain more talents, various cities have exhausted all kinds of tricks, such as giving subsidies for buying houses, solving the problem of children's schooling, and falling behind when buying a house, etc., all in order to win the population battle.
For large cities, the problem of population loss is a big problem that will reduce their productive power.
Fourth, the problem of unfinished buildings has intensified
With the explosion of real estate incidents, more and more unfinished buildings began to appear in various places, and the most unlucky people for unfinished houses are still the people.
The sales model of houses is generally to buy a house while building a house, or to start buying a house before the building has started, and in the past few years, people have a lot of enthusiasm to buy a house, and they fully trust the developer.
Developers take the money to build buildings, but many developers use the money to buy land, and if there is no capital injection, many construction sites will face a shutdown, and unfinished buildings will come from this.
Walking in the streets of the city or in the suburbs, we often see half-built houses, many of which have the main structure already built, but the internal architectural details and windows have not been repaired.
In fact, such a house is unfinished, obviously, it is the time to go to work, but there is no one around, and many construction sites are even overgrown.
Behind the unfinished building incident, the first is the problem of people's economic losses, many projects have been solved by the government, but there are also many that the government has not been able to help solve, and they have not been able to solve the complaints everywhere.
Such a house is a waste of land and has a serious impact on the image of the city, and it cannot be demolished or rebuilt, which is indeed a thorny problem.
Fifth, the problems brought by the suspension of real estate construction to the government
Land income is a large part of the city's income, and now the stagnation of real estate development will lead to the inability to sell land in many cities, which will have a great impact on the government's economic income.
The dependence of the government and the state on land is huge, and the income of many areas depends on the land, which will lead to an increase in the price of land, and then the price of the built houses will also rise, and the people will pay in the end.
Due to the pricing of land, which directly leads to the price of houses, the real estate bubble has reached a point where it is on the verge of breaking out.
Now that land cannot be sold, how should each city develop its own economy in the future development?
Sixth, the risk of a real estate bubble has intensified
Nowadays, the housing prices in many areas have far exceeded the value of the houses themselves, so that many areas have a good real estate situation.
I believe that many people have a deep understanding of this problem, many people used to buy a house when the price can be said to be nearly 20,000, but now the price has come to 15,000, and some can even be purchased in their early 10,000s.
In fact, this situation is the shrinkage of assets in people's hands, you must know that many Chinese people have concentrated their wealth in real estate, and many people are even out of everything, just to get a house.
Nowadays, the country is constantly stabilizing the real estate market, whether it is for the problem of not being able to deliver the house or the problem of the downturn in the second-hand housing market, it is constantly proposing new methods.
The purpose is to maintain the real estate market and avoid the real bursting of the real estate bubble leading to further financial problems.
You must know that if the price of the house plummets, many families who buy a house will face huge challenges economically, and you must know that a large part of our Chinese wealth is concentrated in the house.
Protecting the real estate market is protecting the wallets of our people.
I believe that in the future development of the country, the problem of housing must be the most important issue of national development, how to stabilize the real estate market, so that more people have more confidence in real estate, is the government's work goal.
summary
It can be said that the house plays a pivotal role in the development of the city, it can affect the permanent population of a city, and it can also affect the economic situation of a city.
Nowadays, with the price of houses falling and the market for second-hand properties in a sluggish market, the state has made great concessions by repeatedly lowering interest rates so that more people can buy houses.
But it is not enough to just pull people into this "real estate circle", in life, many people can empty a few wallets to buy a house, but the follow-up loan repayment problem can no longer be solved by anyone.
In life, in fact, it can be determined that many low-income people are indeed not suitable for buying a house with a higher price, if you take the risk to buy a house, it will only lead to a very tired life in the future, and if there is a little obstacle in life, it will lead to their own mortgage repayment problems.
The emergence of the epidemic has made many people unemployed, and many people have no choice but to cut off the supply, resulting in more and more foreclosure houses in the court.
In addition to mortgage problems, real estate has also left many problems for urban development, and cities that used to rely on "land sales" to make a living have now lost most of their economic resources.
In the past 20 years, China's economy, real estate, business, education and other issues have developed rapidly, but now the economic development has begun to slow down.
In the next five years, I hope that everyone can have a stable job and enter the real estate market cautiously.
Resources:
Yicai--"Last year's list of land sales income in various provinces was released, what is the land market situation this year?", baijiahao.baidu.com/s?id=1791934087105768781&wfr=spider&for=pc