But if marriage is the premise, it is still recommended to buy a house first. Although the house has become more and more calm because of the policy adjustment in the past two years, it is still a value preservation compared with the car, but the car is a consumable.
As for buying a house, I believe everyone can feel that this August is not simple. Facing the relatively complicated external environment, the property market has stabilized in advance after the proposal of "not using real estate as a short-term economic stimulus".
However, the subsequent interest rate cuts and the RMB breaking 7 inevitably caused some fluctuations, especially in real estate.
But what is certain is that the tone has never changed.
Recently, the central bank held two meetings in a week, both of which focused on real estate. From some information in the meeting, it is not difficult to see that the recent property market situation will not go in a relaxed direction like the external environment.
It can be said that from the beginning of this year, the financing of developers has been thoroughly rectified. The policy did not stop at interest rates and credit for the first time, but continued to go deep into the fields of trust and private placement. There are indications that financing for developers is being rectified by Thunder.
All roads are blocked and developers' money bags are tightened. But even in this case, we will find that the earth auction in the second quarter is still very popular. Statistics from a number of research institutions show that within half a year, the land transfer income of 300 cities across the country exceeded 2 trillion, up nearly 20% year-on-year.
Gold revenue in first-and second-tier cities rose, and land sales revenue increased by nearly 40% and nearly 30% respectively. In June alone, the land transfer income of first-and second-tier hotspot cities totaled 360.9 billion, up 52% year-on-year!
Where does the money for buying land come from?
The answer is that a considerable part comes from overseas financing.
According to relevant statistics, the bond financing of 95 typical real estate enterprises shows that the total domestic and foreign bond financing of real estate enterprises in the first half of 20 19 was 428.6 billion yuan, accounting for 59.3% of the whole year of 20 18! Among them, overseas bond issuance was 288.3 billion yuan, accounting for 67%, an increase of 19 percentage points compared with 20 18!
You always have to pay back the money you can borrow.
In the past "famine" years, developers raised funds in various ways to pray for the winter. As long as they can survive this winter, they will be able to multiply quickly with the land they photographed in the next spring and make a lot of profits.
In the past, every time I mentioned the property market "chamber pot", it was when the property market came in spring. However, this 730 meeting can be described as the first time in history to formally propose real estate de-tooling. This strong determination and courage means that there is no next Harunosuke, not only the present, but also the future.
Moreover, the house leaks because it rains all night.
The RMB breaking 7 is a bolt from the blue for them, and the rapid depreciation of a large number of overseas financing has caused them to lose too much blood.
And when it comes to paying off debts, you have to add a lot of interest! (Since June, the nominal cost of overseas bond issuance by real estate developers is generally high, and the overseas financing interest rate of many real estate enterprises exceeds 10%. )
The developer's funds are not in place, which directly affects the quality of the property and the fulfillment of its promises, ranging from quality defects, such as the strong wind blowing in the circle of friends a few days ago, to unfinished business.
History is always so similar, and a year of tight capital is also a year of frequent unfinished business.
However, in previous years, with the operation mode of developers, uncompleted residential flats were merged and reorganized, which could make a profit, so it was also possible to take over, which also saved many people who bought uncompleted residential flats.
But the situation now is that you have no money, I have no money, and everyone has no money. Everyone has a hard time, and the sales situation in the new housing market is not very optimistic. Even if it is acquired by a large-scale real estate enterprise with abundant funds, it will not earn much.
In this case, the probability of rotten tail is also greatly increased. Therefore, if you buy a new house recently, you must see clearly the capital flow of the developer.