Anqing is known as "the throat of the Yangtze River, the first state in Wuchu", the city is located in the southwest of Anhui Province, is a national historical and cultural city, the birthplace of Huangmei opera.
The city administers 7 counties (cities) of Huaining, Tongcheng, Wangjiang, Taihu, Yuexi, Susong and Qianshan and 3 districts of Yingjiang, Daguan and Yixiu. The registered population is 5.2771 million, and the permanent population of qipu data is 4.16 million.
In the context of China's property market for more than ten years, how are the housing prices in Huangshan City performing? Is there a lot of pressure on residents to buy a house?
<h1 class="pgc-h-arrow-right" data-track="12" > house prices averaged 6715 yuan in 2020, up 22% in three years</h1>
According to the actual data of commercial housing prices released by local officials:
In 2017, the sales area was 4.573 million square meters, with sales of 25.16 billion yuan and an average price of 5502 yuan;
In 2018, the sales area was 5.0973 million square meters, with sales of 32.024 billion yuan and an average price of 6283 yuan;
In 2019, the sales area was 3.9218 million square meters, with sales of 26.486 billion yuan and an average price of 6754 yuan;
In 2020, the sales area is 4.101 million square meters, with sales of 27.54 billion yuan and an average price of 6715 yuan.
Since 2016, when China's property market put forward the market positioning of "housing and not speculation", the local property market has entered a normalized regulatory rhythm. In 2020, the average house price in Anqing area was 6715 yuan, compared with 5502 yuan in 2017, an increase of 22% in three years.
From the perspective of the change of the average price trend in the region, the housing prices in Anqing City show a continuous upward trend.
In 2020, China was affected by the new crown epidemic, under the anti-epidemic measures of prevention and control isolation, production and life have been greatly affected, and the house prices in Anqing area have basically remained at a high level, and the house prices in 2020 have fallen by about 0.58% compared with 2019.
<h1 class="pgc-h-arrow-right" data-track="29" > the living standards of residents in Anqing</h1>
The improvement of the living standards of urban residents can be said to be the most direct embodiment of the consumption capacity of the property market, especially the changes in the disposable income of urban residents, which is more illustrative.
According to the actual data of income disclosed by the local official data:
In 2017, the per capita disposable income of urban permanent residents was 28,675 yuan, and the per capita disposable income of rural permanent residents was 11,814 yuan.
In 2019, the per capita disposable income of urban permanent residents was 34,041 yuan, and the per capita disposable income of rural permanent residents was 14,347 yuan.
In 2020, the per capita disposable income of urban permanent residents will be 35,947 yuan, and the per capita consumption expenditure will be 19,584 yuan; the per capita disposable income of rural permanent residents will be 15,567 yuan, and the per capita living consumption will be 14,365 yuan.
From the perspective of the disposable income of urban residents, 2020 increased by 7272 yuan compared with 2017, an increase of 25% in three years. Revenues grow by an average of more than 8% per year.
This has also brought about the continuous growth of the city's total social zero consumption, which was 76.4 billion yuan in 2017, 90 billion yuan in 2019, and 112.8 billion yuan in 2020 (affected by the new crown epidemic), an increase of 48% in three years.
<h1 class="pgc-h-arrow-right" data-track="38" > the house price-to-income ratio of residents in Anqing</h1>
From the above-mentioned officially disclosed data, the house price in Anshi area in 2020 was 6715 yuan / square meter, up 22% in three years; in 2020, the disposable income of urban residents was 35947 yuan, up 25% from three years ago, and expenditure accounted for 55% of income.
In 2020, the total GDP value was 246.8 billion yuan, an increase of 44% over the GDP value of 170.9 billion yuan in 2017, and it should be said that the city's economic development speed is relatively fast. The rate of increase in housing prices in the region is slightly lower than the growth rate of the income of local urban residents, which should be said to be relatively matched.
So, is there a lot of pressure on local residents to buy a house?
Suppose a family of three (two people have income) buying a 100-square-meter house, let's test the price-to-income ratio together:
2017: House price 5502 yuan, 100 square meters of total payment of 550200 yuan, total income of 57350 yuan;
2020: House price 6715 yuan, 100 square meters of total payment of 671500 yuan, total income of 71894 yuan.
According to the calculation of 55% of the income and expenditure of urban residents, that is, about 45% of the annual income savings, the change of the house price income ratio:
2015: house price to income ratio = 21.3 years;
2020: House price to income ratio = 20.8 years.
Using your savings to buy a 100-square-meter house will take 21 years in 2015 and 21 years in 2020.
With the continuous development of the economy, the income of residents in the city is also steadily increasing. From the perspective of real life, the maximum term of the mortgage is 30 years, if you buy a house with your savings in the city, you can basically pay it off within 30 years.
As we all know, household savings are subject to a variety of expenses in life, not just housing. Judging from the ratio of income to expenditure of residents, the people of the city are more likely to live a life. Compared with the prefecture-level cities in the province, the monk believes that the pressure on the residents of Anqing City to buy a house is still a little.
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