Text: Lawyer Zhuang Zhiming
On the 17th, the property market introduced four major favorable policies, for the minimum down payment of personal housing loans adjusted to 15%, Yan Yuejin, research director of the E-House Research Institute, for example, the highest down payment ratio in Shanghai was 70% in the past, and to buy a house of 10 million, you have to take out 7 million first, and now you only need to take out 1.5 million, so this policy has played a positive role in reducing the threshold for buying a house.
Thankfully, I was able to buy a house in Shanghai for 1.5 million, and I was ready to move.
Expert Yan is really very fine, dragging it very well, and suddenly calculated that the down payment of 10 million house is 1.5 million, and the expert is an expert, pointing out the way for buyers and depicting the vision, so that countless buyers can see hope, see the future, and see a beautiful and happy life, but experts are always used to keeping a hand, such as experts did not say this.
10 million down payment 15% is 1.5 million. The loan amount after the 15% down payment is 8.5 million, and if the loan is 8.5 million for 30 years, the interest will be about 6 million, and the monthly payment will be more than 40,000. Don't talk about a set of data, just talk about a number - more than 40,000 monthly payments...... Experts, do you dare to say?
More than 40,000 figuresMany netizens may not have an intuitive feeling of this concept, after all, today's netizens start with an income of 1 million, and 40,000 is a bit far away from them. Then I will use a set of data from the Bureau of Statistics to illustrate the problem:
According to the survey data of the National Bureau of Statistics, the average annual wage of employees in urban non-private units in 2023 will be 120698 yuan, and the average annual salary of employees in urban private units will be 68,340 yuan. The monthly salary of employees in urban non-private units is only 10,000 yuan, and the monthly payment of 40,000 yuan is equivalent to the four laborers in the family who have not eaten or drunk for 30 years to support a house. Got it now, right?
So now I want to ask Expert Yan, is there a family in this society that can repay 40,000 yuan a month, and if so, how many? If such a family exists, wouldn't they still have a house to live in? Do you have to wait for the down payment to drop to 15%? But I have to admire the Chinese experts, they have one thing in common - they only teach you how to spend money, but never teach you how to make money, and even then they speak energetically and vigorously.
The new stimulus policy for the property market seems to be unprecedented, but it is actually difficult to operate. No matter how much your down payment drops, even if it drops to 0, the total cost of buying a house has not changed much, and the final total cost is still borne by the buyer. Lowering the down payment can only attract fools to buy a house, and smart people will not buy a house, because smart people know that the house payment always has to be repaid.
As for fools, although they want to buy a house, but because they are stupid and have limited income, they can't afford a 15% down payment. Therefore, all the stimuli of the property market have not been stimulated at the root, and the stimulus at the root is to reduce housing prices. Let those who really have housing needs and at the same time are not stupid and honest to buy a house. That's the key.
There is no girl who can't get married, and there is no house that can't be sold. No matter how old and ugly a girl is, as long as she lowers her expectations, she can always get married; No matter how unsalable the house is, as long as the price is reduced, there will always be people who buy it. If you can't get married, your expectations haven't dropped, and if you can't sell them, your price hasn't dropped yet.
Now it seems that the local ZF is anxious, and he is anxious to study and study with real estate developers, and continue to reduce housing prices. In this case, what coupon do I want, just wait for you to reduce the price, the house does not drop the house, the car does not drop and does not buy the car, the money is in my hands, and it will consume you.
I don't know if you have this feeling, in the past, you had to "find someone" in school, but now many schools have begun to "find students", this is the power of the trend, and we will be a lot less involved if we recognize the trend. To this end, let's take a look at a post by the Internet big V "Cai believes in 24 hours to talk about real estate":
"April of this year seems to be the worst month for sales in the past four years, with only 617.2 billion." This is the harsh reality. In the past April, there was another data, data from the National Bureau of Statistics showed that in April, among the 70 large and medium-sized cities, housing prices in all lines continued to decline, and the year-on-year decline expanded. The number of cities with falling new home prices increased, from 57 in the previous month to 64. There was only 1 city where second-hand housing prices rose, and 69 cities saw a decline in housing prices.
In the year-on-year data of second-hand housing prices, first-tier cities fell by 8.5% year-on-year, an increase of 1.2 percentage points from the previous month, of which Beijing, Shanghai, Guangzhou and Shenzhen fell by 8.0%, 7.5%, 10.2% and 8.5% respectively. Second-hand housing prices in second- and third-tier cities fell by 6.8% and 6.6% year-on-year respectively, both of which increased by 0.9 percentage points from the previous month.
Those guys who boast every day that the housing prices in the first-tier cities are not falling have their eyes wide open, and if they can't see clearly, they will take out the beads in their eyes to see, have the housing prices in the first-tier cities fallen? Today I listened to two home-loving people chatting at the high-speed rail station:
Love 1: "Has the price of your house in Shanghai been reduced?" ”
Love 2: "I don't know, alas, I don't dare to look at ......"
Love 1: "Well, let's just not reduce the price." ”
Love 2: "That's all there is to it. ”
I really want to laugh when I see the conversation between them covering their ears and stealing the bell. Dafang said that the house price has dropped, will there be cerebral thrombosis? According to this series of stimulus policies, some people said that "market activity may gradually recover, and the market will be better in May than in April," which is actually a routine of whistling at night to strengthen their courage.
Now, instead of buying a house, it is better to be an expert, and it is easier to be an expert than to buy a house...