A generation born from 1980 to 1989 is called "post-80s". This generation is now in their thirties. When the real estate industry has no time to fully interpret the post-80s buying behavior, the post-90s buying behavior has unconsciously entered our field of vision. With the post-90 s college students entering the society after graduation, the problems of buying a house and employment also follow, which will make them quietly become a new generation of buyers. As a new group of buyers, most of them rely on the help of their families when buying a house, but even if their parents pay a down payment, it is not easy to bear a monthly payment of several thousand yuan.
After 90, it became a new force in buying houses.
For the first batch of "post-90 s", they are just 24 years old this year and have just finished their second round of life. It is not difficult to analyze the "post-90 s" buying groups.
As far as education level is concerned, the post-90s generation, like most post-80s generation, can be divided into two categories: those with higher education and those without higher education.
Let's talk about the "post-90 s" without higher education. Most of them went to work after graduating from junior high school (high school) and have been working for many years. For these people, buying a house has long been on the agenda. Most of these "post-90s" already have their own children.
After 90 years of higher education, they only took up their jobs in the past two years, but this does not mean that they have no ability and inner impulse to buy a house. According to statistics, at present, about 30% of the buyers in the second-hand housing market are "post-90s", and among the new home buyers in Nanchong, the "post-90s" owners account for about 6%. With more and more "post-90s" entering the society, their pace of buying houses will be very fast, and they will gradually become a new force in buying commercial houses.
The market share is still small and the sales potential is huge.
There are many "labels" on the post-90 s-the pursuit of freedom and the courage to enjoy, which have given them a distinct brand of this era. They are the "potential stocks" of the backbone in the future society. Compared with post-70s and post-80s, post-90s dare to express their views and opinions, and are always full of adventurous spirit.
Based on the average income level of the post-90s generation, compared with the current housing prices in Sichuan, they seldom buy a house entirely by themselves, and family support is often the main way to buy a house. For the real estate sold in the market, "post-90 s" is not the target customer group, but many "post-90 s" customers have already finalized some projects.
It is understood that at present, most developers generally believe that the post-90s generation is not the mainstream group to buy a house, but this does not affect that they will soon become an important member of the army to buy a house.
Recently, a reporter from Huaxi Dushi Bao visited 50 post-90s generation in five cities in northeast Sichuan, and made a survey on their attitude towards buying houses.
According to the survey, among the 50 post-90s generation, 20 people hope to buy a house within 1 year. The main reasons for buying a house are "looking for a job" and "choosing a spouse".
Regarding who will pay for the house purchase, 3 1 person said that "parents pay the down payment and bear the monthly payment themselves"; However, six people also said that "the house money is the full amount of their parents, and they only need to earn money to buy a car."
In terms of housing demand, the "post-90 s" have no relatively clear concept of the developer's brand, apartment design, location and transportation. However, 4 1 person means that the housing area "cannot be less than 70 square meters."
Judging from the development of social attributes of each generation, they will go through the process of being born into society, getting married and having children, and buying a house and settling down. There are "great harmony" and "small differences". In the investigation, the reporter found that for the post-90s generation in Nanchong, they prefer to own their own personalized and uniquely designed houses.
Of course, as far as buyers and sellers in the real estate market are concerned, the demand in the buyer's market is the business opportunity in the seller's market. In fact, there are many real estate projects in Nanchong, focusing on quality real estate, and constantly trying to explore innovative products. For example, the blue light COCO Xiangjiang in Qingquanba and Nanchong Hope City in Jialing District.
Buy a house "short and fast", buy it and leave.
"Short, flat and fast" was originally a volleyball term, but in the real estate market, it is often used to describe technical development projects with less investment, short cycle, quick results and high efficiency. In the process of buying a house after the "90 s", we can use "90 s" to describe the buying characteristics of this home buyer group.
199 1 was born in huangwei, yanerwo, shunqing district, Nanchong city, and was born and raised in Nanchong after 1990. 20 13 After graduating from college in June, I entered a bank in Nanchong. Because of his strong working ability, he changed from an intern to a trainee after working for three months. After the job was stable, buying a house was put on her agenda.
"I first checked several popular properties in Nanchong online, consulted my classmates and colleagues who have already bought a house, discussed the scope of funds for buying a house with my parents, and then locked in several properties. After that, I went to the sales department of each real estate to learn more about it and shop around. Finally, give a deposit, place an order, choose the monthly payment I can afford, and sign a contract. The rest will be taken over by my parents. " 20 13 10, Huang Wei used the five-day National Day holiday to complete the whole process of choosing a house, seeing a house and buying a house. Such "refreshing" buying a house is also very suitable for the "post-90 s" personality from a certain perspective.
House purchase and financial management
How can the "post-90 s" save enough down payment in five years?
It's been more than four months since I graduated from college. For the "post-90s" fresh graduates who just walked out of the ivory tower, while they are full of hope and beautiful expectations, a series of practical problems follow one after another: the actual income is far from the expected value, the house and car needed for starting a family, everything needed for getting married ... For this reason, the reporter specially invited financial experts from Nanchong Branch of China Industrial and Commercial Bank to give advice to college students who have just entered the workplace.
Case: Zhang Qiang, a 24-year-old graduate of Chengdu University of Technology, currently works for an advertising company in Nanchong with a monthly income of 4,000 yuan and a year-end bonus of about 20,000 yuan at the end of the year. Now I live in Gaoping, Nanchong with my parents. My monthly personal consumption is 1000 yuan, and I give my parents 400 yuan living expenses every month.
Zhang Qiang wants to buy a car with a price of 6,543,800 yuan in three years, and also hopes to buy 200,000 yuan to buy a commercial house in Nanchong in the next five years.
Expert advice: the fund will make a fixed investment to save enough money for the RV.
Zhang Qiang is currently 24 years old and has two financial planning goals: buying a car and buying a house. Since Zhang Qiang has just joined the work, it is a rigid demand to get married and buy a house in the future, so the down payment for buying a house must be planned first, followed by the demand for buying a car. Need to be reminded that financial planning is by no means to let us tighten our wallets. Financial planning is to let us live a high-quality life earlier. Of course, there must be a plan to buy a car.
Case study: Zhang Qiang's current monthly income is 4,000 yuan. If there is a year-end bonus of 20,000 yuan at the end of the year, his annual income is about 68,000 yuan. Monthly living expenses 1000 yuan, monthly living expenses for parents in 400 yuan, and annual fixed payment 16800 yuan. In this way, Zhang Qiang can accumulate 5 1.200 yuan every year and 256,000 yuan in five years. Obviously, it is still difficult to complete the expected down payment of 200,000 yuan and car purchase within 6,543,800 yuan with a simple deposit.
solution
Many newly graduated "post-90s" have entered the workplace and become newcomers. Due to the lack of reasonable financial knowledge, they often have no savings. Even if the income is more, most of them have no reasonable planning, and some even have "moonlight".
What Zhang Qiang needs to do now is to plan his goals in different stages of his future life, gradually realize the life he wants, and work hard for it.
Zhang Qiang earns 4000 yuan a month and has 2600 yuan in savings after deducting expenses. As he has just started working, his future income is on the rise. Therefore, it is suggested that Zhang Qiang invest 2000 yuan in a fund every month, find products that can achieve 10% return every year for compound interest investment, and invest a fixed amount in the designated fund on the first day after monthly salary. The advantage of the fund's fixed investment is that the starting point is low, and there are automatic bargain-hunting and overweight, and many a mickle makes a mickle. In addition, the remaining 600 yuan can be used as a current deposit in case of emergency.
Through this kind of investment and financial management, fixed for five years, plus a five-year year-end bonus of 65,438+000,000 yuan, it is no problem to complete the car purchase and pay the down payment for commercial housing.
(The above answers were published on 20 17-04- 13. Please refer to the current actual purchase policy. )
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