Lin Xue graduated from a 985 university in China with a master's degree and has been wandering in the capital for three years. She and her boyfriend are usually not sociable. On weekends, they just play games with Android phones that have not been changed for more than two years. Everything is just to save money to buy a house, but the property market in Lin Xue has been joking.
In recent months, Lin Xue has been in a state of emotional anxiety because of buying a house.
I thought Beijing couldn't afford a house, and my hometown was always the last place to live. When I went back, I found that it was not what it used to be. The house in my hometown has tripled in less than a year, and it happens from time to time that the owners sit on the ground and hoard a lot of houses. If you don't hurry, you can't even afford a house in your hometown.
Lose an opportunity in hesitation
The most painful thing for Lin Xue is that he didn't go to Yanjiao to buy a suite. At that time, my boyfriend loved the stock market and made a good profit every year, so the plan to buy a house was delayed. In the second half of 20 15, many people around us began to buy houses in Yanjiao. At that time, the average price of finely decorated second-hand houses in Yanjiao was only in the early 10 thousand. However, my boyfriend sneered at this: the farther east of Yanjiao is my hometown Tangshan, so it is meaningless to buy it here.
By 20 16, the national housing prices soared, and Yanjiao housing prices actually rose to more than 20,000. Lin Xue was dumbfounded: 20% to 30% of the profits from stock trading in a year are nothing compared with the rise in house prices!
Another reason why I didn't hurry is that my boyfriend graduated three years earlier than her and got the Beijing Work Residence Permit very early. This little green paper claims to be Beijing's green card. On the first page, it clearly says, "With this card, you can enjoy the treatment of citizens in this city in terms of buying a house and starting a nursery for your children."
They originally wanted to shake a self-occupied commercial house with this little green paper. Unexpectedly, I fell into the pit of my home.
Self-occupied commercial housing is a welfare policy in Beijing. The government allows developers to sell land at a limited price, which is 30% lower than the market price. Those who meet the policy can queue up to buy. This policy was not very popular before 20 16, and many properties were poorly subscribed because of their poor location. Just like the first independent commercial housing project after the Spring Festival in 20 16, the "Left Bank of Evergrande Riverside" property adjacent to the subway station in Liangxiang University Town was only RMB 0/7000 per square meter at that time, and Lin Xue did not apply at all, because there were still many high-quality projects released in Haidian, Chaoyang, Tongzhou and Changping District at that time.
However, with the rapid development of the 20 16 property market, the pie occupying the house has become a discus, which shattered Lin Xue's dream of drifting north. Originally, there were not many people interested in self-occupied commercial housing, and hundreds of thousands of people snapped it up at once. Yaohao gives priority to local families without housing in Beijing. Although many local people have several suites or villas at home, there are still a few people snapping them up in the name of their parents. Lin Xue's so-called "green card" drifting northward suddenly lost its chance.
Lin Xue finally found that he missed this wave of housing price rise perfectly. The original sharing partner bought a small two-bedroom apartment near Orson Park with a down payment of10 million a year ago, and now it's all floating around 2 million!
I didn't even get a chance to wait in line to see the house.
In 20 17, Lin Xue realized that no matter how he made money, he could not compete with the rising housing prices in Beijing. At this time, she requisitioned her boyfriend's stock market funds, recovered all the foreign debts she lent, got the help of her family, and began to look at the house crazily.
In the Nantan area outside Beijing's North Fourth Ring Road, a 39-square-meter studio of 3.25 million first touched her, with a down payment of 1.5 million. But at that time, Lin Xue still had some funds to buy wealth management products, which would not expire until May, and the owners themselves were eager to change houses and sell houses, insisting that they could not wait. When she was still discussing with her family that night, the intermediary sent WeChat, and the house had been decided by others.
Near Orson Park, there is a 35-square-meter house with a price of 365,438+10,000. When Lin Xue went to see the house, there was already a team of people looking at the house in front, and there were three teams waiting to see the house. This time, it's not Lin Xue's turn to discuss with his family. Someone has already made an offer.
Near the Capital Airport outside Beijing's Fifth Ring Road, a broken red brick building older than Lin Xue has reached an average price of more than 40,000 yuan. ...
On a Tuesday in March, Lin Xue made an appointment with the agent to see six suites at the weekend. The Capital Airport in Shunyi, Shahe in Changping and Heyi in the south of Nanyuan Airport are not far away. Sadly, on Friday, I don't even have to go to see it anymore, because all the houses I want to see have been sold out!
When following the intermediary to see the house, Lin Xuecai clearly felt that the madness of the Beijing property market was far beyond imagination. According to chain data, the number of houses in Beijing in February was close to 700,000, the highest since March last year.
Please take annual leave and go back to your hometown to rob the house.
Realizing that Beijing's housing prices are about to usher in a new round of skyrocketing, Lin Xue and her boyfriend immediately took annual leave and rushed back to their hometown in Zhejiang to grab a house. After all, the environment in Tangshan, my boyfriend's hometown, is not ideal, while Lin Xue's hometown is only a third-and fourth-tier city, but it is close to Shanghai, so there is room for price increase. This wave can't be missed again.
When I returned to my hometown, I realized that the property market in Beijing was still rational, and the property market in my hometown was completely crazy!
Two years ago, Lin Xue's mother worked in a high-end residential area in her hometown and said that she had found a good school district room, with an average price of only about 6,000 yuan and an internal price down payment of only several hundred thousand yuan. But at that time, she and her boyfriend wanted to buy a house in Beijing and didn't consider it at all. Unexpectedly, the average price rose to 100 1 and 1002 in the blink of an eye. She regretted it. At that time, she was a little timid and should have bought it if she borrowed money.
My sister Lin Xue has a suite near a famous scenic spot in her hometown. 1 17 started at 400,000 and 500,000, and now it has risen to around 130 and1.4,000. There is also a school district house that my sister bought for her children to go to school. When she bought it, the average price was less than 1000, and now it has risen to nearly 20 thousand. Last year, a large number of speculators from Shanghai, Wenzhou and other places came here to buy houses, which quickly pushed up the house prices in this small city for several years. First, the school district, then the scenic spot, high-speed rail and even the relocated house in the old city.
When I contacted the intermediary, I heard that it was difficult to find the houses in my hometown recently, and the listed houses were basically swarming. New houses that could not be sold before can't be bought now, and second-hand houses are in the hands of some big families. Some shrewd businessmen bought many houses at low prices in several counties near Shanghai, waiting for customers like Lin Xue who just needed them. A speculator doesn't even look at the house. As soon as he heard that the price and location were suitable in the morning, he signed it in the afternoon. She said that the current housing prices are fluctuations after regulation and will rise in the future. Now the person who buys her house can earn twice as much.
These days, Lin Xue followed the intermediary around the house, but he was repeatedly disappointed. What I heard in Beijing before is also being staged in my hometown.
At agency A, I first took a fancy to a house, 1 10, with a total price of1.20,000. I called the owner to make an appointment to see the house, and the owner directly said that the price would be increased by 200,000. In the afternoon, I discussed it with my family. I paid a high price and then called the intermediary to contact the owner. As a result, the owner said not to sell!
Intermediary B showed a set of houses with 120 and1500,000 in the same community. The intermediary has the key to look directly. The house is a pure blank house, which is one of many properties of a real estate speculators. When talking about when the contract can be signed, the intermediary faltered, and finally the owner had to increase the price.
Agency C continued to display a set of 1 10 flat1450,000 garage, saying that the owner promised to sell it in the morning. As a result, when he went to the owner's door to look at the house, no one rang the doorbell and no one answered the phone. Look, this means another temporary change of heart, and directly told the intermediary to give up.
……
Buying a house in a relationship is also in line with the starting price.
Finally, I bought a house or fought for kinship. Lin Xue's brother-in-law is a doctor in a local 3A general hospital. In his circle of friends, he asked who had a house for sale in Lin Xue's favorite community. One owner agreed to sell his house with an intermediary of 6.5438+0.28 million yuan to Lin Xue, because this house is less than two years old, and although the total price is slightly cheaper, Lin Xue has to pay more than 100,000 yuan in tax.
In order to avoid sleeping, Lin Xue simply discussed with his family and planned to buy it. And he has to pay more deposit first, so as not to let the homeowner break the contract and refuse to admit it. She didn't sleep well that night.
When signing the contract the next day, Lin Xue saw that the property owner bought this house only five months ago, and it quickly increased by more than 500,000! The host also proudly said that it was nothing. He still has several houses in this community. Now he sells this house because the house price is crazy and he is afraid of regulatory policies. The owner's wife said it was a loss, and the location was good, the community was good and the tenants were good. Listing 1.38 million, and now she only sells 1.28 million, which is difficult to balance psychologically.
After paying the deposit, Lin Xue's brother-in-law quickly made an appointment with the owner to go through the interview procedure the next day, fearing that he would encounter something bad, and the result was really met. ...
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One of the wonderful experiences: half of the transactions are regulated.
On the morning of March 22, I made an appointment with the owner to go through the formalities of face-to-face signing and loan. On March 22, I woke up and picked up my mobile phone to brush the news. Unfortunately, this morning, the city introduced the second round of purchase restriction policy: the first set of foreign household registration is 50% down payment and one set is restricted, the first set of local household registration is 30% down payment and the second set is 50% down payment. To tell the truth, this is the prescribed procedure, and Lin Xue was very worried.
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The second wonderful encounter: sit on the ground and start at a price.
The owner doesn't see it that way at all. This anodyne policy was interpreted by him as positive, and then he complained all the way that he sold cheaply, and now he can't find a good house and so on. Although Lin Xue deliberately played dumb, he still didn't escape the price, because the owner received a call from another intermediary, and someone was willing to pay100000 more to buy this house. On this ground, the landlord asked for an extra three months' rent as "psychological compensation", but in order not to cause more trouble, Lin Xue had to agree.
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Wonderful encounter three: the household registration is actually a foreigner in the local area.
When applying for a mortgage, the intermediary pulled Lin Xue down from a bank, which is one of the top four banks in China. The salesman slowly sorted out the information and suddenly asked Lin Xue to open a stock account of a brokerage firm, and then he had to make a fixed investment in the fund. After being rejected by Lin Xue, the salesman made a surprising remark: "Although your household registration is local, working in Beijing is not a local, and the down payment may be 50%". In addition, the salesman is unwilling to give the first suite a 10% discount.
Finally, even the intermediary couldn't stand it anymore, so he took Lin Xue directly to another bank, one of the four major banks in China, which was surprisingly efficient. The salesman took out a stack of papers, asked Lin Xue to sign and press her fingerprint, and then told her to go back and wait for news.
Conclusion: Some people want to end, others want to continue.
After arriving home, Lin Xue received a message from the intermediary. "This kind of anodyne purchase restriction policy seems to only make house prices continue to go up." "You must pay the agency fee, appraisal fee and loan service fee as soon as possible."
After the house-grabbing war in his hometown, Lin Xue found that the house prices in both Beijing and his hometown are rising at a crazy speed, which will not leave them too many opportunities at all.
Now, she just wants to end this magical realism drama quickly and go back to Beijing to make money. After all, we don't know whether house prices will go up, but we can find ways to improve our social status.
But at the same time, because of the upgrading of regulation, speculators who were originally struggling to find a house to do business are happy again. Now because of the down payment of 50%, a group of people will quit, just to find the next prey.