Recommendation: It seems that the problem of buying a house has become a "hidden pain" in the hearts of many adults from the moment the house price takes off.
China Academy of Social Sciences released the "2020-202 1 China Housing Development Report", showing that as of June 2020, the average housing price in China exceeded 10,000 yuan, reaching 1007 1 yuan/square meter.
Perhaps many people are as surprised as the author before: why can someone afford the house on the market, no matter how expensive it is?
After some understanding, I found that in fact, most people can only buy houses by bank loans, and the proportion of buying houses in full is very small. Therefore, many people say that mortgage may be the "black hand" behind high housing prices, so there are also calls for "cancellation of mortgage" in the market.
What is the official attitude towards this?
In fact, as early as the end of last year, the central bank and the China Banking Regulatory Commission issued the Notice on the Concentration Management of Real Estate Loans of Financial Institutions. According to this notice, the maximum proportion of personal housing loans of banks should not exceed 40%. The smaller the bank, the lower the proportion of personal housing loans, which is also the main reason why many friends have said that it is becoming more and more difficult to buy a house loan recently.
Recently, Wang Qiang, an economic expert, suggested: Cancel the mortgage so that people who can't afford it don't buy it, so as to save too much pressure.
Wang Qiang believes that after the house is built, no one forces people who can't afford it to buy it, but many people buy it with their parents' money for "face" and finally have no money to meet their parents. Most of this pressure is self-caused.
According to the data, by 2020, the total value of China's real estate market has reached 65 trillion US dollars, which is larger than the combined real estate market value of 62 trillion US dollars in Europe, America and Japan. Banks suspended mortgage loans, and the property market, which was previously driven by real estate speculators' funds, could not maintain a high level, so it was inevitable that house prices would fall.
But friends who know some economics should know that if house prices fall rapidly, there will be problems in the economy, which is also contrary to the current goal of "promoting the stable and healthy development of real estate" in China, so it is not desirable and unreasonable to cancel the mortgage.
From an objective point of view, the essence of real estate is actually a commodity, and its normal sale is inseparable from public consumption. The cancellation of mortgage has undoubtedly raised the threshold for buying a house. As far as the current situation is concerned, few people can buy a house in full, so the house will inevitably become an unhealthy luxury, and the house should not become a luxury.
And many netizens don't agree with experts that "no one is forced to buy a house". After all, now the house is closely related to a person's survival and development in society. The house has become a super hardware such as "essential for marriage and essential for children to go to school". Ordinary people don't want to buy, but they often have to buy. This is the most troublesome place.
I wonder what you think about this?