On the morning of June 7th, after receiving the short message from the sales consultant, Qian Duoduo went to a new property sales office in sifang district as quickly as possible to get information about the housing. Since March this year, she has been waiting for this information, and now we have called 1000 times and urged 1000 times before she started coming to us.
This is Qian Duoduo's first direct contact with the "sales office". Before that, it was her boyfriend Wang Wu who paid attention to these. She once imagined that the sales girl should explain the huxing situation to her with enthusiasm, spring breeze and nuance. At least she should have a glass of water to drink. But this is only when the sales girl is not busy. On that day, the bustling scene of "crowds" made Qian Duoduo suddenly feel cool. After 2008, Qian Duoduo and Wang Wu showed a very cautious attitude towards the "price" of the property market, but the current situation made her even cautiously think that she might not be able to buy a house. Even if you rush to send money to developers, you may be eliminated in the sea election because of "non-quality customers"
At the end of 2008, when the property market was at its lowest ebb, Qian Duoduo and Wang Wu, as young people with poor risk resistance, had absolutely no courage to buy a house rashly. Now, they really understand what "retaliatory rise" means.
The house counts. Naked marriage is not reliable.
At the end of May this year, Qian Duoduo, an "older" unmarried young woman, celebrated the fifth anniversary of her love with Wu Wang, an older unmarried young man. Because Qian Duoduo complained that Wang Wu was not romantic enough for n times, Wang Wu decided to give her a surprise on this anniversary. He ordered a bunch of exquisite flowers from the Internet, and the price was around 200 yuan. Because they used the same Alipay account, Wang Wu had not had time to pay, and this surprise was discovered by Qian Duoduo in advance. After several rounds of games, Wu Wang gave in, because Qian Duoduo just said he couldn't refuse to buy a house. And this 200 yuan can at least add a general quality faucet to the house.
This "tragedy" is not the first time in the lives of Qian Duoduo and Wang Wu. These two older young men and women often laugh at themselves as the long-distance relationship between Tony Leung Chiu Wai and Carina Lau. Why don't you get married? A word room. Without this spirit, I'm afraid life will be a complete tragedy.
It's not that they haven't thought about naked marriage. Traditional values tell them that as long as you choose the right person, money can be earned slowly and the house can be saved bit by bit. But a friend of Qian Duoduo's who lives in a villa told her, "The word' happiness' is full of mystery. The second half of "lucky" means "RMB", and the second half of "blessing" means "sky-the window of a tall building". Therefore, naked marriage is the most unreliable thing in the world. "
At present, Qian Duoduo and Wu Wang are renting on the top floor of an old residential building in sifang district. They have lived here all these years, and the house is still acceptable. The most inconvenient thing is that this old-fashioned house is a "solidarity household" full of Qingdao characteristics, and the monthly rent in 500 yuan is still a "friendship price". Before coming to work in Qingdao, Qian Duoduo never thought that there was such a harmonious apartment in the world, called "Unity Household".
Even house slaves have decent dreams.
Qian Duoduo's generation, born in the 1980s, lived a good life since childhood, and the house was probably the biggest pain they suffered from growing up.
During the Spring Festival this year, Qian Duoduo returned to his hometown and found all his old classmates living and working in peace and contentment. Two years ago, some of these students were still depressed, lamenting that they had not gone to "Beishangguang" or even "Qing Ji" and had lived in a small city all their lives. Things are different now. The lucky ones among them, like their parents, generally entered the state-owned enterprises, and then lived in the welfare houses of enterprises, driving A0-class cars of their own brands, which cost two or three thousand yuan a month, and they lived quite well. When you have time, take your children around your parents' house and integrate into life early. As long as you don't ask too much of life, such a day is the legendary "family happiness." Whenever they ask Qian Duoduo, "Have you bought a house? How big is the area? When will you get married? " Qian Duoduo didn't know what to say.
When they were young, their predecessors thought that this was the real dream generation. "I have a dream to be a scientist when I grow up." Such sentences also appear repeatedly in the composition of this generation. Now because of the house, this generation has completely become a "generation that has lost its dreams". When they choose to bear huge loans and become house slaves, they must also ensure that they dedicate their dreams and be "facing the cubicle and facing the ceiling". Now, if they are asked to write "I have a dream", I am afraid many people will write this sentence: "I have a dream, that is, I can have a suite without facing the sea or looking at flowers."
■ Real estate market survey
40% of adults think that "second home loan" is the most powerful.
The introduction of the "Ten Articles of New China" has a clear purpose in the regulation of housing prices, both macro and specific. After more than a month, the transaction volume in Beijing, Shanghai, Guangzhou, Shenzhen and other places dropped significantly, and buyers fell into a wait-and-see state. The investigation of the New Deal may reveal some market clues.
Judging from the survey results, nearly 60% of the respondents believe that the new "National Ten Articles" this year will lower the housing prices in the coming year. About 30% of the respondents predict that the house price will be lowered 10%, and 24.30% think that the house price will be lowered 10%~30% in the coming year. Only 5.37% of the respondents believe that house prices will plummet by more than 30%. The survey results also show that 30% of the respondents believe that the policy has little impact on the property market, and house prices will remain stable in the coming year. Based on the above analysis, the vast majority of respondents are more rational in judging the trend of housing prices, and think that it is unlikely to skyrocket or plummet within one year.
More than 40% of the respondents believe that the most effective policy is that the down payment ratio of the second home loan should not be less than 50%, followed by "the down payment ratio of the first suite over 90 square meters should not be less than 30%", accounting for nearly 20%. This result is more in line with the characteristics of the current property market. On the one hand, buyers are the most active now, followed by second-time buyers. Part of the second home purchase is improved self-occupation demand, and the other part is investment demand. The New Deal has a significant inhibitory effect on the investment-oriented purchase, real estate speculation and even some improved purchases of more than two sets of buyers. On the other hand, the substantial increase in the down payment ratio of second home buyers will also raise the threshold for some homeowners to buy houses again.
■ Related links
Now the second suite is still difficult to identify.
It is understood that in-depth interviews and investigations across the country, many experts believe that it is difficult for the current housing registration authority to implement the identification of the second suite because the housing registration agency system is still not perfect and the housing registration needs to be "three unified".
First, the system of housing registration agencies is not unified. "Local location" generally refers to cities and counties as regions. However, at present, the management system of housing registration agencies in cities, districts, counties and townships in China has not been integrated, and each has its own registration system, which leads to loopholes in verification.
Second, the organization of housing registration agencies is not unified. According to the notice requirements of the Ministry of Housing and Urban-Rural Development on "Assessment Standard for Standardized Management of Real Estate Transaction and Ownership Registration", the housing registration agency is mainly composed of five parts: housing registration, information management, file management, market supervision and surveying and mapping supervision. However, at present, the urban composition of the whole country is different. Five units are responsible for the five parts, and four units are responsible for 1 unit. It is difficult to coordinate between units, which makes the information in the housing registration system incomplete and inaccurate.
Third, the housing registration software standards are not uniform. Because the above two aspects are not unified, each has a set of registered software standards, which makes it difficult for all levels to communicate with each other, let alone share information with banks, public security, industry and commerce, civil affairs and other departments.
It is reported that there is no city housing registration agency in China that contains the above three functions, and only several big cities such as Beijing, Shanghai and Guangzhou contain the above two functions. Therefore, there is still a long way to go for the accuracy of the appraisal of the second suite.
On June 4th, the Ministry of Housing and Urban-Rural Development, the Central Bank and the China Banking Regulatory Commission jointly issued the definition of the second set of housing accreditation standards worldwide. Industry experts said that this may accelerate the process of unifying the housing registration management system in various places. The circular requires that the management of housing information inquiry should be strengthened. Before the end of 20 10, the cities with districts will basically establish a housing registration information system.