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Original No. 629article
Hello everyone, thank you for being with us over the past year. Today is January 1, 2024, and I wish my readers and friends: Happy New Year, family harmony, and all wishes.
In the past year, a lot of things have happened, and it is also the first year that I chose to start my own business, and frankly speaking, the biggest difference between finding a job and starting my own business is:
One is relatively stable, and the other has to fight for more on its own.
The bigger difference: freedom
This thing is so important.
I am grateful and thankful for my ten years of valuable work experience in the real estate industry, which has made me think more deeply about the entire economic and social environment as well as human nature.
Jumping out of real estate to do self-a** is not so uncomfortable, after all, I used to use my free time to read and write.
After jumping out of real estate, I'm still more concerned about what the future of real estate will be
Today, I will talk to you about my views, of course, this is just my words, please forgive me if I don't say it well, and maybe I will offend some real estate peers.
With the development of real estate to this day, the huge dividends of the industry have indeed passed, which is a consistent view both inside and outside the industry, includingDemographic dividend, rapid urbanization dividend, housing shortage dividendAnd so on, and most importantlyDividends of rapid economic development.
Many people have caught up with the opportunity of rapid development of real estate and got on the early bus, just because they were born a few years early, such as my opinion, the generation born in 70-80 should be the luckiest.
In China's 78 years of reform and opening up, they were seven or eight years old, and the market economy was in the late 80s and early 90s, and they were in their early 20s.
So,You have to admit that the dividends you enjoy are different in different eras.
Don't be unconvinced, personal effort is not worth mentioning in the face of the tide.
You were born during the Sino-Japanese War, and your first thought was to save your life, and then not to go hungry.
And when we look back at the 70-80s generation, they may have bought one or two houses in the 15 years from 2000 to 2015, and their lives were directly opened.
Of course, there are more prescient investors, who understand the economy, have the vision to capture the dividends of the industry, and achieve wealth freedom by increasing leverage and speculation.
But they do"Make a fortune with a muffled voice".It makes sense, but I don't want to say it.
And more people just because of marriage and other reasons, enjoy the dividends of the times and economic developmentIt's nothing to do with your personal efforts.
And the development of real estate to this day, it is not that there is no opportunity, but to carry out surgery-like changes, how to change?The first step is:Cancellation of off-plan and sale of existing homes.
I have talked about this topic with my peers in the industry before, and they think that it will make real estate worse, and developers will have no chance and not enough funds to operate.
This point of view seems to have some truth, but we have noticed that the current developers are almost the same, and the thunderstorms are also thundering, why is it a good time.
From the previous three highsSpecialization, refinement, long-term and high-qualityDevelop.
The previous three highs: high debt, high leverage, and high turnover are no longer possible.
In the past, there was and there was no real estate, and in the future there will be but different:
Do content, do service, do professional.
A project polished in ten years and 10 projects done in a year are destined to be two different results.
Shift the energy of making quick money to the direction of making slow money and making solid money.
Essentially, buying and selling off-plan properties is inherently problematic
There is a huge injustice of information bias.
The buyer gives the money to the bank and the developer, and you have to wait and see, as for how the house will be built in the future, you have no idea, like guessing a blind box.
The lucky ones receive the house, and they can make do with it, the unfortunate people can't receive the house, and it is directly unfinished, and more people receive the house and the actual publicity are completely different things, the gap between Diao Chan and Sister Pomegranate.
Therefore, people are swordsmen and I am fish and meat, you have paid the money, and you are faced with:
1. The risk of unfinished houses.
2. The house is delivered late.
3. The risk of misalignment of the house.
According to my years of experience in the industry, you have stepped on at least one pit, if you have not stepped on a pit, that is to buy a second-hand house, you and I are willing.
If you are buying off-plan, no matter how big or small the developer is 999999% have stepped on at least one of these pits.
This is essentially a complete advantage for the developer, and there is no guarantee for the interests of the buyer.
Some time ago, the Beijing Housing and Urban-Rural Development Bureau issued a policy to change the regulatory funds from banks to **, which seems to be more beneficial to home buyers, but what you don't know is:
If the bank supervises the funds to the developer, it is impossible without the approval of the Housing and Urban-Rural Development Bureau.
So in fact, the significance is not great, and the essence is still a human problem.
Do you think it's easy for banks to regulate funds for developers?
However, there is still a little bit of progress, at least there will be no prevarication, and the responsible person will be clarified, and the bank used to look for the bank, and the bank said that the Housing and Urban-Rural Development Bureau approved it, and the Housing and Urban-Rural Development Bureau said that it was supervised by the bank.
Now it's the right thing to find a ** unit.
Even so, it is still not insured, simply sell the existing house directly, you are willing to do it, there is no need for supervision, supervision is artificial, it is artificial, there are unspoken rules.
The cancellation of off-plan housing and the sale of existing homes are imminent and the general trend is inevitable.
Then there is the removal of the shared area, which is a wonderful product.
Well, Happy New Year to you all!
It is not easy to be original, if there is resonance, please leave a message below to discuss