Recently, South Korea's Ministry of Land, Infrastructure, Transport and Tourism released an intriguing survey report that revealed South Korea'sproperty marketCircumstance. Data shows that the average Korean household spends 15In 2 years, I purchased one set in SeoulProperty, and this 152 years is when the family spends all of its income onBuying a house, without eating or drinking. Judging by this data, South Korea'sproperty marketIt is extremely challenging for the average family.
As the most developed city in South Korea, Seoul has huge resources and economic power. Compared to other regionsRoom ratesObviously not as high as the city of Seoul. It also means that if a family wants to be in the city of SeoulBuying a house, which requires more effort and time. It can be said that South Korea is inproperty marketThe "hard mode" in China gives us a lot of inspiration, but if we think about it carefully, we will find that we seem to be even more "rolled" than South Korea.
toShanghaiFor example, the current average of the cityRoom ratesIt is about 60,000 yuan per square meter, while a two-bedroom unit of 70 square meters costs 4.2 million yuan. According to the statistics of 2022, China's urban per capitaDisposable incomeIt is about 49,283 yuan, and the average family size is about 262 people, so the average year of urban households in the countryDisposable incomeAbout 1290,000 yuan. Doing calculations based on this data, we will find that an average family wants to be inShanghaiTo buy a house worth 4.2 million yuan, it takes 325 years, almost twice as long as in South Korea.
In addition, another statistic from the Ministry of Land, Infrastructure, Transport and Tourism of South Korea shows that the Seoul areaRoom ratesThe income ratio is 93。Considering that the income level in the Seoul area is much higher than the Korean average, this means that people living in the Seoul area need about 9It will take 3 years to be able to be on the groundBuying a house。Well, inShanghaiWhat about the situation?According to 2022 data,:Shanghaiper inhabitantDisposable incomeis 79,610 yuan, and the annual average for a family of threeDisposable incomeReached 23880,000 yuan. Based on these data, it is calculated that the purchase of a house of 4.2 million yuan requires no food or drink17Six years, which is also almost twice as long as in South Korea. fromRoom ratesFrom the perspective of income ratio, China seems to be more "volatile" than South Korea, which is recognized as a "volatile country" in the world, which will undoubtedly surprise and worry.
It should be noted that the national average in South KoreaRoom ratesThe revenue ratio in 2021 increased from 67 down to 63, and the city of SeoulRoom ratesThe income ratio is from 141 to 152, Incheon from 71 to 77。It can be seen that Koreanproperty marketThere is a certain differentiation in the core areaRoom rates**, not the core areaRoom rates**。In other words, the incomes of people living in the core areas are not growing at a faster paceRoom rates, and the revenue growth rate in non-core regions is the sameRoom ratesmatch. The existence of such differences is worth pondering. In China, will there be something similarproperty marketThe phenomenon of differentiation, that is, the first-tier citiesRoom ratesContinue** while other citiesRoom rates**, it is difficult to determine at this time. This will have to waitproperty marketIt will only be known after entering the plateau period.
To sum up, if Koreans are in SeoulBuying a houseFaced with huge challenges, the average Chinese family wants to buy in first-tier citiesProperty, can only be described as a "dream". So, why are we the real "hard mode" when it comes to buying a house?In fact, exceptHigh house pricesAnother important factor is the low income of the vast majority of people.
In addition to what has been widely discussedHigh house pricesIn addition to the problem, there is a general situation of low incomes in China. According to the data, the per capita salary in South Korea is about 210,000 yuanRMBAround, GDP per capita is about 2260,000 yuanRMB, the ratio of per capita wages to GDP per capita is 929%。The data is similar to that of South KoreaShanghaiIn 2022, the per capita GDP will be about 180,000 yuan, and the average annual salary per capita will be 1460,000 yuan, the proportion is 811%。In addition, according to data from the first three quarters of 2023, our country achieved 913 trillion yuan of GDP per capitaDisposable incomefor 29,398 yuan, to 14100 million people calculated, totalDisposable incomefor 415 trillion yuan,National incomeIt accounts for 45% of GDP.
Compare it to the American oneNational incomeIt accounts for more than 60% of GDP, and other developed countries at least 50%. Therefore, the difficulty of Chinese people in buying a house is closely related to their lower income. They get less benefit (i.e., income) from economic development, leading to the dilemma of buying a home. In recent years, a series of policies have been introduced at the national and local levels to stabilize the real estate marketBuying a housethreshold, which reduces the cost of financing. While these policies have had an effect to a certain extent, they have clearly failed to achieve the desired effect. The reason is that ordinary people do not have enough money in their pockets. As one netizen said: "What I lack is not the loan interest, but the principal and down payment for buying a house." "To get out of the "hard mode", we need to do both things at once. On the one hand, we want to strip the financial attributes of real estate and letRoom ratesFluctuate within a reasonable range. On the other hand, we want to improveNational income。In addition to increasing the share of income in GDP, there is also a need to reform the way income is distributed. We often hear the saying "let some people get rich first, and then bring the poor to get rich". Today, we have achieved the first half of the sentence, through reform and opening up, some people have achieved rapid accumulation of wealth. However, they do not seem to have the will to bring the poor to get rich, but instead try to restrict ordinary people from going to the door of financial freedom. Now is the time to change this situation, we should increase the proportion of labor returns, and curb the income brought by capital appreciation, so as to effectively curb the further widening of the gap between the rich and the poor.
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