Author | Jie Mi&; Edit | Chu Qi
The Spring Festival holiday is just around the corner, and everyone's mood is quite relaxed recently. Especially the friends who won the year-end award, not only laughed, but also wanted to do something.
After today's update, Sister Mi also has a holiday! If there are no special circumstances, let's meet again on the tenth day of the Lunar New Year (February 3rd).
When I go home for the Spring Festival every year, I think many honey friends will encounter the annual "big exam". Parents and relatives are invincible in asking questions: how much income, have you bought a house, and have a girlfriend/boyfriend? ..... The difficulty coefficient is much higher than when I was a child.
Among these problems, buying a house is undoubtedly another "hardest hit". In fact, not only others ask, many people have already started to implement their own house purchase plans after the Spring Festival.
As written in the previous article, according to the drama routine of the property market in the previous two years, this year's Xiaoyangchun will probably arrive as scheduled.
At the end of 20 19 and this month, there were many actions to "promote" Xiaoyangchun in various places.
"Grab people", settle down and relax, buy a house and relax, and even some cities directly subsidize the purchase of houses. Even first-tier cities like Shenzhen and Guangzhou have joined the ranks of recruiting talents.
In 20 19, nearly 100 cities in China participated in the "war of grabbing people". From the end of 20 19 to the beginning of 2020, there are about 40 cities involved in the introduction of talent purchase policy.
There are not only first-tier cities, but also many hot-spot second-tier cities and provincial capitals, such as Shenzhen, Guangzhou, Dongguan, Chengdu, Foshan, Ningbo, Nanjing and Changsha.
Jiemi has been thinking recently, why are major cities so eager to relax talent purchase before the Spring Festival?
"Not just for you!" For example, I'm afraid that you think the threshold for buying a house is high. When you go back to your hometown to buy a house during the Spring Festival, I'll give you a room ticket first. "Since I work here, I'll live and work in peace and contentment" ... I'm more worried than you about where the year-end bonus is.
In addition, there is a lot of good news recently.
For example, yesterday (65438+1October 19), the People's Bank of China launched a reverse repurchase operation of 200 billion yuan. Coupled with the actions of the central bank last week, it has been "releasing water" to the market for four consecutive working days, with a cumulative net investment of 1 1000 billion yuan.
At the end of the year, funds are tight, and Yang Ma will basically send a "red envelope" to the market as usual.
Yang Ma's explanation is "in order to hedge the influence of factors such as tax peak period and cash injection, and keep liquidity in the banking system reasonably abundant before the Spring Festival".
Under the background of "long-term insistence on housing and not speculation", there may not be a lot of money flowing to the property market, but at least commercial banks have more money, and people who borrow money to buy a house can enjoy loans in a short time.
However, Jie Mi said this news is not to tell you that it is time to buy a house in 2020. On the contrary, I want to tell my honey friends to be more cautious in buying a house.
In previous years, everyone was worried about buying a house for the Spring Festival, because they were worried that "it would be a waste of time not to buy a house this year". Of course, some people have solved the housing problem, but they still want to buy a house and invest.
But judging from the recent general situation, as my best friend said, it is actually quite "bad" (see "interest rate cut" for details! Great powers talk! 2020 just needs to be able to smile for the New Year. ""the two countries have already talked about it! The property market has really ushered in a historic turning point ").
Real estate was once designated as a "pillar industry", so it is really profitable to buy a house with your eyes closed under the big situation. It's really not how superb XX God is in investing in real estate.
But people tend to be themselves, attribution bias (see today's vocabulary). If you make money, it's all your own cattle. Sometimes even many opportunities are just "catching up".
For example, Jie Mi wrote before that buying a house is a particularly big pit, that is, buying a house in the new district (see "Buying a house in three big pits" for details! Jump for ten years "). Although many people fell into the pit of the new district before, they caught up with the hot property market after 20 17, and a large number of people were able to land smoothly: the falling house prices doubled.
However, if you fall into the pit of buying a house now, I am afraid it will be difficult to climb out for a long time.
Because the general situation has changed.
Internally, at the important meeting to set the tone for the economy in 2020 at the end of 20 19, real estate was not singled out, but was discussed in the field of people's livelihood.
The same is true at the end of 20 18. You can recall the property market in 20 19. In most places, not only did no one work for a year without buying, but some people who took over at a high level of 20 18 also suffered from the downward pressure of second-hand housing prices.
Externally, the two countries have had a good talk, and our external economic environment is not under great pressure, let alone taking the property market as an X pot.
This will also enable the Ministry of Housing and Urban-Rural Development to implement the goal of the Ministry of Housing and Urban-Rural Development for the property market in 2020, adhere to the principles of "no real estate speculation" and "three stabilities" for a long time, "do not regard real estate as a short-term means to stimulate the economy, continue to steadily implement the long-term mechanism planning for the stable and healthy development of the real estate market, and strive to establish and improve the institutional mechanism for real estate regulation."
Today (65438+1 October 20th), the LPR (loan market quotation rate) announced by the central bank is also a word "stable":1one-year LPR 4. 15%, and LPR 4.80% over five years, all of which are the same as the previous period.
Back to buying a house. Just need to buy a house, there is more room for choice. After all, many first-and second-tier cities are actively relaxing restrictions on settlement and purchase.
Every city has an upper limit of carrying capacity, so you should cherish those with room tickets.
Recently, when Jie Mi saw a character coming back to visit, she was particularly excited.
20 10 Chongqing's great teacher suddenly got angry because of the picture of her child holding her to work on the screen. Recently, he responded in an interview with the media: He is still doing great things, and his son has already entered junior high school and is very sensible. Their family also bought a house in Chongqing, and their hearts were particularly solid.
Master Ran's work is arduous and dangerous. His personal and family struggles are probably the portrayal of millions of ordinary families struggling to buy a house in the past ten or twenty years.
Master Ran bought a house near Jie Fangbei, Yuzhong District, Chongqing. Part of his sense of practicality also comes from the relatively stable housing prices here.
If he had gone back to his hometown to buy a house (I'm afraid he won't call the roll this time), I'm afraid he'd already been on a roller coaster several times.
Mi Jie checked the housing price of Anjuke in this county, and the highest point of 20 17 is more than 9000 per square meter, and the highest point of 20 19 is more than 6000 per square meter.
Not to say that you can't buy a house on the 345 line, but to see your actual utilization rate and calculate an account.
If you don't work in your hometown and invest hundreds of millions to buy a house, the rent is one or two thousand or even several hundred yuan a month. Even if the house price rises slightly, there is a feeling of losing a lot. Not to mention the vacant or bought auction house, if the house price drops a lot after two years, it is easy to make people psychologically unbalanced.
And more importantly, I missed the opportunity to get on tiptoe at work.
It is really prudent to invest in buying a house, especially some well-known hot-spot second-tier cities seem to be friendly to housing prices.
Today, Jie Mi saw a big V, advocating that the house in a new district of the network celebrity city is particularly worth investing. Many people are eager to move, leaving a message hoping to get the guidance of the "Great God".
I happen to be familiar with this place. If nothing else, business here has shrunk a lot. The price is quite "high-end" and you can buy a good house in the core area of the city.
Therefore, buying a house really does not mean that "the first and second lines will definitely make money, and the third and fourth lines cannot be bought" can be solved.
Still have to calm down and think about your own needs and take stock of your money. Can I bear the worst? It's not too late to act. In addition, it is best to join in the fun less, and clearly understand that buying is practical.
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