In 2008, the US financial tsunami swept the world.
Of course, China, as the "engine of the world economy", cannot stay out of the matter, and a large number of small and medium-sized manufacturing factories along the coast have broken the capital chain and applied for bankruptcy protection.
At a time when the global economy is booming, a professor at the University of Science and Technology Beijing made a surprising statement, he called on the people of the country to buy a house to save the market, and even put forward the view that "buying a house now is patriotic".
The professor's name is Zhao Xiao, and after the idea of "buying a house and loving the country" was put forward, he was greeted with a cynicism, "Real estate is going to collapse", "Are you patriotic?" Comments such as "who buys who is a fool" abound, and Zhao Xiao has also been crowned by netizens with many big hats such as "calling beasts", "brick family", "liars" and so on.
12 years later, looking back at this past, the people who listened to him and bought a house at that time have made a lot of money.
<h1 class= "pgc-h-arrow-right" >1, I made 6 million yuan in this house! </h1>
In 2004, Dr. Han from Suqian, Jiangsu Province, came to teach at a university in Beijing because of his job transfer, and the school gave him a 41 square meter dormitory to solve the accommodation problem. However, his wife still stayed in Suqian's hometown, and the two were separated for a long time.
Usually, dr. Han is busy with his wife's hukou into Beijing in addition to teaching, "My hukou has moved with the school, but my lover is not, she is not there, and there is no feeling of home." "Professor Han, who is very good at his profession, ran into walls everywhere when moving his hukou, and ran back and forth between Beijing and Suqian for more than a dozen years, and it took 4 years to complete it.
In 2008, the two of them managed to get their Beijing hukou, and Professor Han felt that it seemed inappropriate to live in the dormitory, "Even if the school dormitory is enough for the two of us, it is not his own home after all." "I want to buy a house, but I am shy in my pockets and can't make up my mind."
One day, another teacher from the school came to the dormitory as a guest, and between the two of them chatted, the topic was related to buying a house.
The teacher said: "Xiao Han, recently the price of housing prices in Beijing has dropped, and one square meter in my home has fallen by more than 1,000 yuan, but the government is ready to invest 4 trillion yuan to save the market, where do you think this money will flow?" ”
Before Dr. Han could answer, the teacher said, "I think it must be the property market." ”
China's rapid economic growth is inseparable from the troika: foreign trade, infrastructure and real estate, infrastructure is a large project undertaken by the state, private capital is difficult to enter; foreign trade is hit hard by the financial tsunami, it is difficult to recover in a short period of time; want to pursue short-term steady returns, real estate is the best choice, after the rescue funds are in place, real estate will definitely rise immediately.
After listening to the teacher's analysis, Professor Han felt some truth, and thought to himself: "Anyway, I want to settle down in Beijing in the future, I will buy it early and buy it late, so it is better to buy it now." The next day, Dr. Han came to a residential area in Wangjing and bought a 100-square-meter commercial house with a total price of 1.2 million yuan and a loan for 15 years.
In 2020, Professor Han's son is already 10 years old, "I am also lucky, did not think much, Bought that year, now the house is worth more than 7 million, in exchange for now I can not afford to buy." ”
<h1 class="pgc-h-arrow-right" >2, laugh at the people who bought the house, and are not married yet</h1>
In 2008, xiaoduan graduated from university, and he did not return to his hometown of Anhui, but chose to stay in Nanjing. Although Nanjing is a second-tier city, the rate of house price rise can be called a first-line, and it was once praised by the media as "China's four small tigers of housing prices".
Even Nanjing locals can't tell why nanjing house prices are so high, obviously the per capita income is only 4000 to 5000 yuan, but it bears the average price of 28,000 yuan, and the average price of Hexi New City is even more than 50,000. People in Nanjing generally feel that they are taking the salary of a third-tier city and buying a house in a first-tier city.
The small section in Anhui is not much like his peers, and when his classmates were busy looking for jobs in 2008, he was busy looking at the house. "At that time, it was not easy to find a job, anyway, I just graduated, I was not in a hurry, so I studied buying a house."
Soon a small section took a fancy to the Venetian water city. Venice Water City is located in Jiangbei, in Nanjing is considered an "underdeveloped area", the main industries of Nanjing are gathered in Jiangnan, Jiangbei only some large state-owned enterprises, coupled with inconvenient transportation, every day to the city to take the congestion of the Yangtze River Bridge, there are choices of Nanjing people will never buy a house in Jiangbei.
The reason for the small section of Venice Water City is simple, that is, it is cheap. "More than 4,000 yuan a square meter, go to the city at least 10,000 to start, why not invest in a potential stock?"
But the backward infrastructure in Jiangbei still makes XiaoDuan a little worried, he consulted with his classmates, who are natives of Nanjing, and immediately objected after listening to him buy Venice Water City: "You are crazy, the real estate is going to collapse, you run to protect the disk at this time?" ”
A small paragraph consulted seven or eight people, without exception, objected, for a high degree of unity: house prices are about to collapse. The parents of the hometown said to let him decide for himself.
Xiao Duan recalled: "In 2008, it was said that the economic situation was not good, and house prices were going to collapse, but I did not feel it in my life, everyone still went to work, went to school, and did business step by step, in fact, the financial level had little to do with the lives of ordinary people. In the face of the ridicule of the people around him, a small section of 350,000 yuan bought a house in Venice Water City.
At that time, the classmate who mocked him as a "guardian of the plate", according to Xiao Duan, was still with his parents' house, 35 years old, and could not get married. The suite he bought is now worth more than $2 million in Nanjing.
<h1 class="pgc-h-arrow-right" >3, the real estate certificate is my heirloom</h1>
Tangerine is a "deep second generation", and his parents came to Shenzhen in 1990. Shenzhen may be the most "class" place in the country, everyone is from all over the country to seek a living, without any background, unified starting line, whether you can mix it out depends on your ability.
But after 40 years of special zone development, Shenzhen real estate has become a symbol of class division, there are suites in Shenzhen, the value is at least tens of millions, the income of no house is high, and it is also a "factory brother" and "factory sister".
In 2007, after Tangerine's parents finished offering a suite in Futian, Shenzhen, they thought about buying another one. Neighbors and friends around are also looking at the house, and the property market in Shenzhen is hot.
Parents looked at a set of 200 square meters of large flat layer, the price is only more than 6000 / flat, after reading it is very heartwarming, but the family's money is still in the business, reluctant to withdraw. As a result, at the end of the year, the developer has marked the price to 10,000 yuan, and the matter will not be solved.
In 2008, the financial tsunami struck, the business of orange parents was hit hard, but the house price in Shenzhen did not fluctuate, only fell a little, parents regretted it, they knew it, they should be fierce, and put the treasure on the house.
His father decided to stop the loss, took all the money out of the business and stocks, and bought a house with an average price of 8,000 square meters in Bao'an, with a down payment of 400,000 yuan. At this time, the family's money is all pressed on the house, and in order to repay the loan, life has become a problem.
Tangerine recalled: "I ate at school every day, the situation at home was not very well understood, and later I learned that I was not at home, and my parents ate steamed buns and old dry mothers at a meal. ”
Later, the second suite was renovated, the tenant was found, and some of the repayment pressure was offset, and the life of the family eased up.
At present, Orange works in an Internet company in Shenzhen, with a monthly salary of 20,000 yuan, "the company has a lot of colleagues from other places to break in, the salary is high of 70,000 or 80,000, but these salaries are compared to the Tens of millions of Shenzhen house prices, a cup of water." My family was lucky enough to get into the car when the house price was not high, and they jokingly called me a 'multimillionaire'. ”
Tangerine's father often said that these two real estate deeds are the heirlooms of the family, and it is enough to sell a house if you want to start a business and immigrate in the future. Tangerine agrees that immigrating to Canada to sell a house is enough, and there is a lot of room for future choices.
<h1 class= "pgc-h-arrow-right" >4, the logic behind "patriotic house buying"</h1>
In 2008, if you can calm down and carefully read Zhao Xiao's "patriotic house buying" theory, you will find that it is quite reasonable.
In Zhao Xiao's view, there are two engines supporting China's rapid economic take-off: manufacturing and real estate.
In 2007, China's GDP grew by 11.5%, of which real estate contributed more than 4.5%, absorbing such a huge amount of money, if it crashed to the ground, it would affect the overall economy. With manufacturing hit and no recovery possible in the short term, real estate can no longer be problematic.
Zhao Xiao said a seemingly paradoxical conclusion: "If real estate falls, people who can't afford to buy a house will only be more unaffordable." ”
What he is saying is the truth, real estate is the largest savings pool in finance, representing confidence, if confidence collapses, not only the house is lost, but also the entire upstream and downstream industries, the economy will lose its blood supply capacity and die of blood loss.
Author: Jiang Zuo You'an