It's so fragrant, this wave of policies is very real! The property market may heat up at any time

Lao Yang said the property market

2024-05-18 13:45Posted in Shaanxi real estate creators

It smells so good! This policy is really ......

It was another round of "epic" bailouts, and Yang Ma sent three emergency calls in a row:

1. Reduce the down payment, the minimum is 15% for the first set and 25% for the second set.

2. Reduce the interest rate of the provident fund, the first set is 2.85%, and the second set is 3.325%.

3. Reduce the interest rate of commercial loans, cancel the lower limit of the first and second sets of loan interest rates at the national level, and implement policies by institutions at all levels.

The threshold for getting on the bus is low, and the cost of getting on the bus is smaller, which can stimulate more people who "want to get on the car but not get on it".

So is it possible to buy a house now? Let's try to talk about our own opinions.

There is an old Chinese saying: Those who know the times are Junjie! Against the trend, it is always the individual who will eventually get hurt.

So what's the trend right now? It is to save the property market, and it is a question related to the future "national fortune".

In a long time ago, it was emphasized that the collapse of the property market is not good for anyone, and the two-year real estate trough period is enough to explain a lot of problems.

In the past two years, the policy changes in the real estate sector have been frequent, and at the same time, they have also turned from negative to positive, so we should clearly understand that the property market will usher in a new cycle.

The current problems faced by the property market are not as complex as imagined, so let's summarize a few points:

▎ The picture comes from the Internet

1. Loss of confidence in the future of the property market; The huge second-hand stock in various cities has changed from "holding value-added" to "selling for cash" in the downward stage of the market, and the supply of housing in the second-hand market has become larger, forming a "price stampede".

Under the logic of buying a house that is not buying up, not buying down, the wait-and-see mood in the property market is serious, and almost every time a good release is released, everyone is most concerned about whether it is time to buy the bottom?

It can be seen from this that the market demand is still there, but a large amount of demand is maintaining restraint and waiting for an opportunity.

Solution: State-owned assets in various places purchase second-hand stock housing to transform the affordable housing model; We see it as an "upgraded" urban reform to stimulate demand for improvements.

▎The picture comes from the official account of "Home in Yujin City".

2. Loss of confidence in the brand of real estate enterprises; Evergrande, Country Garden and other former industry "top brands" have fallen into a dilemma, triggering a large number of rights protection incidents such as work stoppages and unfinished projects;

At the same time, there are frequent problems such as "corporate debt default" and "standard reduction" in the industry, which have also attracted a lot of attention, making buyers have no confidence in developers. Who is a conscientious real estate company?

This point needs to be built by major brands and participants in the industry to reshape the image of the industry.

Solution: In terms of insurance real estate enterprises, there are policy support such as guaranteed delivery of real estate enterprises and white list of real estate enterprises; At the same time, it has been optimized in terms of product restrictions and public sharing; At present, many cities are promoting pilot existing home sales, of course, this will take a long process.

▎High-tech CID Longhu Yunhe Song real shooting

However, under the pressure of the market, each project will be opened to the real scene display area before the opening, which is a great progress made in the industry in terms of product presentation.

▎ The picture comes from the Internet

3. Loss of confidence in one's own development; This mainly comes from the individual buyers, the instability of income and the imbalance of housing prices, so that many people dare not and are unwilling to "increase leverage", this part is also the most rigid demand in the market, behind the deeper is the employment problem.

Solution: Adjustment through macroeconomic control, such as the recent "ultra-long-term" treasury bonds planned to launch a scale of 1 trillion yuan in 2024, will inevitably have a very strong impact on the entire economic environment.

In the continuous positive property market, the property market may heat up at any time, and I suggest that if there is a demand, you can consider taking action.

Finally, I would like to ask you a question, under the strong policy guidance, do you believe that the property market will "collapse" or "rise"?

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Personal opinion, for reference only