Although he is carrying a second-home mortgage, he is very happy. He's glad he blocked it years ago. Although he didn't save any money, his assets were almost three million. Another person who didn't buy a house can only wait and see, complaining about the high housing prices day by day, but can't afford it day by day. There used to be more than 300 thousand in the family, but now we can only barely pay the down payment and bear the heavy pressure of repaying the loan. Seeing the downturn in the property market, he can only stand up straight and say that house prices will definitely fall, but he knows better than anyone. Because he didn't buy a house, the gap between him and another person has become farther and farther.
Recently, the report "Macroeconomic Analysis and Forecast of China (20 18-20 19)" issued by China Renmin University said that the debt ratio of China consumers in real estate inventory has greatly increased, and the consumption base has been seriously weakened, which means that residents' wealth has basically been invested in the real estate market. Tsinghua University economics professor also made similar remarks. 63% of China's national wealth is concentrated in real estate.
Real estate has been developing abnormally for many years, and house prices in many cities have doubled. On the other hand, the wage income of residents has rarely doubled in recent years, and it is even more difficult for ordinary people to buy a house by wage income. Although people who buy houses have become house slaves, the pressure has gradually decreased. After all, the house has strong pressure resistance, even if it depreciates, it will not really become a pool of rotten cement; People who don't buy a house become renters. If the landlord does not agree, the rent will go up. When you have nowhere to go with your luggage, you will find that it is good to have a room. There is a * * * similarity between these two kinds of people, that is, those who have their houses and financial resources hollowed out dare not leave their jobs or get sick, and their quality of life will definitely be greatly reduced. Although people without houses have savings, they are still walking on thin ice. With the growth of age, the pressure is increasing, but they are still afraid to leave their jobs and get sick. It took more than ten years to find that the gap was not too big.
Residents' wealth is hollowed out by real estate. What is the future development trend of the property market? Will the house price go down? In the future, the regulation of real estate will not relax under the guidance of no speculation and no occupancy. Recently, there have been news of the loosening of the property market for several days. First, on 12, the National Development and Reform Commission issued a support for large real estate enterprises to issue corporate bonds, which triggered speculation about the loosening of real estate financing, but it was urgently rumored; Then in an important meeting in June of 5438+03, the content of real estate was not mentioned, which triggered a wave of loosening arguments. Relevant professionals analysis, not mentioning does not mean that real estate control measures will change. The main idea of the current real estate market is "stability". Not mentioning it is also to maintain the status quo and maintain a stable trend.
It is foreseeable that in the future, the overall property market will maintain a high-pressure adjustment trend, slowly adjust and stabilize housing prices, and slowly cool down excessive housing prices, so that people can lower their blood pressure. It is still the general trend for housing prices to return to rationality. There is no need for buyers to have too much pressure. For you, lower house prices and lower mortgage interest rates can reduce the pressure. No, 1 1, Rong 360 released the mortgage market report 1 1, and the national first home loan interest rate, which has been rising for 22 months, finally showed zero growth for the first time, with a correction in first-tier cities and a slight correction in second-and third-tier cities.
The first suite is just needed, and the interest rate does not rise, which is a great benefit for those who just need to buy a house. A number of industry experts and bank insiders said that the interest rate of the first home loan in cities across the country is expected to return to the benchmark level in the first half of next year at the latest. Therefore, from the national point of view, protecting and curbing speculative real estate speculation is still the direction we have been working hard.
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