In fact, for people who just need to buy a house, whether it is high or low, they have to buy it at any time when they need it, but it is luck to meet a good policy when buying a house. In fact, 2022 is a good time to buy a house.
Recall the 202 1 property market first.
First, the property market turmoil 202 1
202 1 the property market grew rapidly in the first half of the year, and it was directly halved in the second half.
The reason is that due to the loose monetary environment after the epidemic, various speculative investment funds such as commercial loans flowed to the property market, which superimposed the "school district housing" fever in first-tier cities. The prices of new and second-hand houses in first-tier and core second-tier cities nationwide have soared simultaneously, especially in the Pearl River Delta and Yangtze River Delta. ?
In 202 1 year, the transaction volume of buildings in big cities is not ideal, especially the premium of second-hand housing business is even worse than half, and it has dropped again and again, from about 20,000 sets to about 1 10,000 sets, and even the monthly transaction volume is less than 1 10,000 sets, not to mention the second-hand housing transactions in second-and third-tier cities, and there are no second-hand housing transactions in some districts for half a year.
Of course, the most important thing is that the leverage ratio of banks is too high, and more than 80% of the leverage ratio has flowed into the real estate industry. Even more frightening, signs of a slowdown in housing demand have begun to appear. Once the residents' demand for housing can't keep up and the asset price rises to an unbearable level, the leverage in the hands of developers and banks will collapse in an avalanche, which will inevitably plummet, as if the bubble burst and the economy began to turn from prosperity to recession. This is the so-called "bubble economy".
This is also the reason why the second-hand houses were frozen rapidly, the new houses cooled down, the funds of housing enterprises could not be withdrawn, and the debt crisis of housing enterprises came immediately. Cash flow is exhausted and cannot be benign. A big one is an example.
The Ministry of Housing and Urban-Rural Development began to strictly control real estate speculation, bid up prices and talk about real estate speculators, housing enterprises and banks. The bank had to slam on the brakes.
? Second, the property market will be a stable year in 2022.
Why do you say that?
Although the "limit rise" policy has been introduced, many places have also introduced "limit fall" policies to ensure the stability of the property market. After the turbulence of 202 1, stability and continuity are inevitable.
On February 24th, the State Council Press Office held a press conference.
Wang, Minister of Housing and Urban-Rural Development, set a heavy tone for the real estate market in 2022, mainly in two aspects:
First, maintain the continuity and stability of regulatory policies and enhance the accuracy and coordination of regulatory policies.
Second, we will continue to steadily implement the long-term mechanism of real estate, ensure the housing that is just needed, meet the reasonable demand for improvement, and promote the virtuous circle and healthy development of real estate. Don't regard real estate as a tool and means to stimulate the economy in the short term, and strive to stabilize land prices, house prices and expectations.
With the primary goal of "ensuring the delivery of buildings, people's livelihood and stability" and focusing on stability, we will resolutely and effectively deal with the risk of overdue delivery of real estate projects caused by debt default of individual real estate enterprises.
Moreover, since the new year, some policies have been introduced, and the property market policy and credit environment have released loose signals. Many cities have reduced down payment and interest rates.
It's hard to fall again. Isn't it a good time to start when there is a policy?
The first new policy of buying a house in 2022:
Provisions on down payment for loan purchase: for the first suite below 90㎡ (inclusive), the down payment ratio of provident fund loans shall not be less than 20%, and the housing provident fund loans above 90㎡ shall not be less than 30%. The down payment ratio of the first suite commercial loan is 30%, and the interest rate of commercial loan to buy a house rises.
Deed tax provisions: the purchase area of the first family suite is 90 square meters or less, and the deed tax is1%; The purchase area is over 90 square meters, and the deed tax is 1.5%.
? Of course, when it is just needed, whether it is a self-built house in the countryside or a house in the city, whether it is high or low, what should be built should be built and what should be bought should be bought.
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