1. Expert Wang Qiang: It is suggested to cancel the mortgage so that people who can't afford it don't buy it, because the mortgage affects everyone's quality of life.
Why did Wang Qiang, a real estate expert, suggest canceling the mortgage loan? He believes that mortgage has seriously affected everyone's quality of life. In the past, when people had their own houses, they had money and wages, so they could buy things they liked, travel and buy a lot of delicious food.
But now everyone has a mortgage, so they can only stay at home on holidays, dare not go too far to play, buy something to eat and choose the cheapest one. In this case, he feels that even with a house, everyone's quality of life is not high, and they have to pay the mortgage every month, which can be said to be tightening their belts.
Second, expert Wang Qiang: It is suggested to cancel the mortgage, so that people who can't afford it don't buy it, because the mortgage affects economic development.
Wang Qiang, a real estate expert, also believes that it is necessary to cancel the mortgage, because there are too many people taking the mortgage in the society, which will affect the economic development. Economic development needs to be driven by consumption. After everyone took the mortgage, the real estate industry was very hot, and other industries simply regressed.
So he thinks that too many people in China borrow money to buy houses, which is not good for economic development. Therefore, he hopes to cancel the mortgage, or advises people who can't afford to buy a house not to buy it, spend money on consumption, live a good life and buy whatever they want.
Third, the down payment ratio should be increased.
So how do you cancel the mortgage as a real estate expert? Wang Qiang thinks that the down payment ratio should be increased at step 1. Wang Qiang said that the down payment on houses is a bit too low, and some only need to pay 10%, so many people can afford the down payment, and the rest will be paid back slowly. He thinks that the down payment on the house should be increased. In this case, the high down payment can discourage many people and raise the price of down payment.
Fourth, banks should raise the threshold for examination and approval of mortgage loans, and shut out buyers who do not meet the loan conditions.
Wang Qiang, a real estate expert, also believes that the second step to cancel the mortgage should be to cooperate with banks to raise the approval threshold for the mortgage, and all buyers who do not meet the loan conditions will be turned away. He believes that why so many people choose to take mortgages is because the approval of the bank's lending platform is too easy.
Some banks think that these borrowers will pay back their money in the future, so they are too willing to lend them money. Wang Qiang, a real estate expert, thinks that the threshold of these loans should be raised, and people whose monthly income is below a certain standard cannot borrow mortgage loans.
Fifth, netizens think that the statement is reasonable.
Regarding the view of Wang Qiang, a real estate expert, some netizens expressed their support for the view that borrowing will affect the quality of life. Some people who already have mortgages think it is reasonable. Taking their own lives as an example, they dare not buy too expensive things. Every day, I go to the vegetable market to buy food, bargain with others, and dare not order takeout, and dare not go out to travel and get together with classmates. They must also consider how much they have to pay. If you pay too much, you won't dare to attend the reunion.
Sixth, there are also unreasonable places.
There are also many netizens who refute the views of real estate expert Wang Qiang. They think that if the monthly income of mortgage is cancelled, people who do not meet certain standards will not be able to buy a house. Where should these people live? Will the government give them money to buy resettlement houses? Netizens took Wang Qiang's words as self-talk, and everyone agreed that when Wang Qiang, a real estate expert, pointed out this problem, he should also come up with a solution and let him put forward his own views.
Summary:
Some people support Wang Qiang, a real estate expert, while others agree with him. The point is that this problem does exist, but there is no perfect solution. All real estate experts need to discuss and think carefully, and put forward solutions on how to deal with the relationship between mortgage and consumption.