According to the basic concept of economics, the so-called rigid demand refers to the demand part that is less affected by price in the relationship between supply and demand. In other words, whether the price of a commodity goes up or down has little influence on people's behavior of buying this commodity. However, due to the huge value of a set of housing, the definition of rigid housing demand is much more complicated, and there is no authoritative definition so far.
Specifically, in the current market, because a large number of people born around 1980 have entered the marriageable age, there is a huge demand for buying the first suite based on the needs of marriage.
At the same time, China has entered an accelerated period of urbanization, which means that more people will live in cities, and the resulting housing demand cannot be ignored. Beijing, Shanghai, Shenzhen and even Yinchuan in the west, where house prices have risen rapidly since last year, are all cities with a high proportion of foreign people buying houses, which is also the rigid demand of big cities.
In addition, around 1998, many residents bought "renovated houses". After about 10 years, these families entered the housing improvement period one after another because of the imperfect housing types and functions. This part of the demand for improved housing is also rigid.
Meeting rigid demand is not "saving the market"
The current property market is particularly sensitive, and any trouble will cause market reaction. People are used to characterizing the favorable information about the housing market as "saving the market", but it is better to put aside speculation. Developers should not have the illusion of relaxing the regulation of the property market, but should seize the people who just need it and solve the current difficulties. Property buyers should also look at the situation rationally and objectively. If they speculate and predict too much, they will only fail to see the present.
Just need is a reasonable demand for housing.
The blog post signed "Zhang Hongwei" thinks that "supporting reasonable housing demand" cannot be regarded as a "rescue policy", and the policy of "stimulating just-needed" in the property market cannot be called "rescue". The reason is that, firstly, the result of "restraining the demand for investment housing and supporting the demand for reasonable housing" has led to the market "exchanging price for quantity", but at present, the market turnover has not continued to pick up, but has declined. If the market turnover continues to be sluggish in the afternoon, it will affect the sustained and healthy development of the real estate industry and the sustained and healthy development of the macro economy; Second, the real estate industry, as an industry, should maintain and support the reasonable demand for housing in the market and actively enter the market instead of suppressing these normal demands. Third, the current "fine-tuning" policy cannot be called a bailout. The policy is basically based on "self-occupation demand", and the policy does not favor investment and improved demand. If the policy orientation is biased towards these two types of demand, that is the real "bailout".
The blog post signed "Knife Man" thinks that now, it is not a good move for buyers to regulate and control more pertinently, release just-needed, and meet reasonable housing demand. The reason why many people are so sensitive to the release of the just-needed signal is that they are worried about the release of water in the property market and the high housing prices. However, the central government has repeatedly made it clear that the direction of property market regulation remains unchanged. Now "fine-tuning" is also aimed at just-needed, and just-needed has never been the chief culprit of abnormally high housing prices.
Supervision is moving towards the expected goal.
The blog post signed "Ma Yuecheng" believes that it has been proved that regulation is developing towards the expected goal. Restricting purchases, prices and loans are only means of regulation, and the fundamental goal is to establish a stable development model and system. Recently, the transaction volume of real estate projects with reasonable pricing, low corporate profits and many products just needed has increased, which undoubtedly shows that behaviors that conform to the market's own development laws are conducive to the healthy development of real estate in both the long and short term.
The blog post signed "Zhou" thinks that the continuous regulation policy has achieved substantial results from the perspective of market operation. The data of real estate development in the first quarter of the National Bureau of Statistics shows that the real estate market is continuing to enter a period of decline. To some extent, there are no conditions for relaxation at present, and maintaining stable development is also an inevitable choice under the complicated domestic and international economic background.
The regulation of the property market is in a critical period.
The blog post signed "Cai Law" believes that the regulation of the property market is an objective requirement for changing the mode of economic development. At present, the general direction of the property market regulation policy is correct. To resist the "economic pain" caused by the regulation of the property market, monetary policy and land policy should be adhered to for another 1 2 years, and maintaining social and economic stability and sustainable development is the ultimate goal of the regulation of the property market. We should take this opportunity to speed up the adjustment of industrial structure, improve the real estate policy and legal system, and let finance serve the real economy.
The blog post titled "Yu Fenghui" holds that while resolutely curbing speculative demand, rigid demand should be completely released. With a population of 65.438+0.3 billion, China is in a period of rapid urbanization, and the rigid demand for self-occupation is very great. When curbing speculative demand, we must not accidentally hurt the rigid demand for self-occupation. At the same time, it is necessary to introduce preferential policies to encourage the demand for first-time home purchase, and normalize and institutionalize this preferential policy, so as not to sway from side to side because of an executor's internal reasons and personal preferences, which will affect the implementation of the policy; Policy implementation is even more fragmented and uneven. (Shi Li)
Rigid demand cannot support high housing prices.
■ Xiyan
There are few "pure rigid demands" that are not affected by price, and most rigid demands will be delayed because of the influence of price and policy.
For ordinary families, a house may need decades of savings. If there is not enough purchasing power, buyers will be "overwhelmed" and even rigid demand cannot be transformed into effective demand. Only when the house price is adjusted back to the level that some buyers can bear can the rigid demand be released.
Because the control policy limits the investment demand by raising the down payment and interest rate of the second home, it actually limits a considerable part of the improvement demand.
In addition, since the introduction of the control policy, the momentum of excessive housing price rise has been initially curbed, and the short-term effect of the policy has been reflected. Under the influence of the psychological expectation of "buying up but not buying down", if house prices enter the downward channel, a large number of rigid demand will choose to wait and see.
When housing prices are adjusted to an affordable range, rigid demand will enter the market, and housing prices are unlikely to fall irrationally.
Regulation should avoid "accidental injury" of rigid demand
■ Li Zi
Although the regulation of the property market still supports residents' demand for self-occupation, in fact, many buyers with rigid demand are in trouble due to a series of strict policies frequently introduced in a short period of time.
Take the improved house purchase as an example. Although the policy does not restrict "buying new and selling old", buying new and selling old will be included in the second suite, and the down payment cost will increase greatly. If you sell the old one first and then buy a new one, although it is not a second suite, it is very inconvenient for buyers to solve the problem of transitional living between the old and the new.
In recent years, the fluctuation cycle of China real estate market has become shorter and shorter. From the past three years or so to 1 year in recent years, there has even been a strange situation of "bullish in odd years and bearish in even years". Not only is the cycle short, but the ups and downs are getting bigger and bigger. Once the suppressed rigid demand breaks out, the supply can't keep up, and the house price may skyrocket again.
To maintain the long-term stable and healthy development of the real estate market, we must support the rigid housing needs of ordinary people. In the specific implementation process, the regulatory policies should be combined with unblocking, so that the rigid demand can be released through reasonable channels.
You can't use the provident fund to buy shops.
I want to buy a shop, can I use the provident fund loan?
-Reader Saner
According to the Regulations on the Management of Housing Provident Fund and related policies, housing provident fund should be used for employees to purchase, build, renovate and overhaul their own houses, and no unit or individual may use it for other purposes. Because the housing provident fund is a mutual protection fund, it is to solve the basic housing problems of employees. The purchase of shops, office buildings and garages does not belong to the basic housing consumption of employees, but belongs to the additional consumption besides the basic housing consumption. Therefore, the purchase of shops, office buildings and garages shall not use the housing provident fund.
Various names of cracks
I heard that cracks have various names? what was the name? What is the difference?
-Reader Zhang Dan
The lawyer replied: Yes, cracks in all houses can be said to be everywhere, and it depends on the location. According to its causes, cracks can be roughly divided into:
1. Shrinkage crack-The material shrinks due to the change of wet and dry, which is generally reticulate on the wall, and two different materials may be formed at the interface.
2. Temperature cracks-caused by deformation due to thermal expansion and contraction, are generally horizontal cracks along the ring beam of the top floor (flat roof), vertical cracks along the window angle, and oblique cracks along the window angle or internal longitudinal wall (multi-end, large, basically without middle); There is also an interface attached to the wall along the chimney.
3. Settlement cracks-due to uneven (differential) settlement of the foundation, the wall is inclined to crack in a straight figure, and it is inclined to crack in an inverted figure; Upper horizontal crack caused by pulverization compression of mortar joint; Vertical cracking of reinforced concrete beams caused by bearing settlement, etc.
4. Deformation cracks-horizontal cracks in the wall caused by deformation and vertical cracks at the joint of vertical and horizontal walls; Fracture caused by inclination, etc.
5. Structural cracks-also called load cracks caused by load, such as multiple vertical cracks in the wall column under the beam; Transverse horizontal cracks and oblique cracks at the main reinforcement of beam slab; The middle of the span is surrounded by vertical cracks; Shear oblique crack at bearing edge; Transverse cracks in tensile members, etc.
Among the above types of cracks, 1, 2 and a small number of 3 types of cracks are not dangerous, while 3, 4 and 5 types of cracks with large crack widths are dangerous when they exceed a certain width, but they are not absolute, and need on-site identification and analysis. The key is to be related to the stress state of the structure.
Hope to adopt, thank you.