It has been said that the state has been vigorously promoting the construction and implementation of affordable housing in the past two years, and recently the definite news has finally come out, and the China Development Bank has landed the country's first placement type affordable housing loan in Fuzhou, and a new round of affordable housing planning and construction has been launched.
It is reported that this batch of affordable housing is even cheaper than the five-fold co-ownership housing, some people calculated a certain affordable housing project in Fuzhou, only one-third of the surrounding second-hand houses, that is to say, according to the small apartment of 45-75 square meters, 6000 yuan per square meter, the total price of a suite is 27-450,000 yuan, compared with the surrounding millions of houses, it is really fragrant.
In this regard, some people immediately questioned, now that the houses are so cheap, will it lead to the situation that normal commercial housing will also appear?In this regard, insiders said that there is almost no possibility, because these affordable housing is completely prohibited from listing and trading, and returns to the livelihood attributes of affordable housing.
If the owner of the previous co-ownership house can pay the remaining property rights fee, then the house can still be listed for normal trading. But this time the affordable housing is different, it cannot be traded at all, that is, it is real real estate. Therefore, it has little impact on normal commercial housing, and of course, this also solves the rigid demand for housing purchases, resulting in a decrease in the demand for commercial housing.
Therefore, in the future, only a few high-quality commercial houses will be higher and higher, and most of the remaining commercial houses with high floor area ratio, large communities, and poor properties will most likely continue to depreciate.
In the past two years, there have been more and more big moves on the property market, and almost none of them can have a huge impact on the future development of the property market.
We still remember that last year, the Ministry of Finance issued the implementation opinions to support Shenzhen's exploration and innovation of the fiscal policy system and management system, focusing on increasing subsidies for the construction of affordable housing in Shenzhen with investment from the state budget, and at the same time increasing the subsidy funds for affordable housing projects in cities and towns, and striving to solve the problem of housing shortage in large cities. This policy adjustment has sparked widespread concern in the market, with many speculating that Shenzhen may introduce a property tax.
Shenzhen, as a city with a relative shortage of commercial housing, has always had a large demand for housing purchases. In addition to increasing the number of commercial housing units, the way to solve the housing problem is also regarded as an important means.
Then, Shenzhen not only converted some office buildings into residential properties, but also proposed to increase support for affordable housing. This move may be followed in other cities, guiding the property market in a healthier direction. However, it is still unknown whether a property tax will be introduced soon.
The possibility of property tax has attracted the attention of some investors. Once the property tax is implemented, it will alleviate the financial pressure on the city to a certain extent. In the case of a city as a community, the property tax is the property fee of the community, and in this way, the city can better carry out infrastructure construction and social service provision. This also means that the window for investing in property may be shrinking.
Whether 2023 is a good time to sell your home will determine whether you will be happy or regretful in the next 5 years.
Some believe that with house price trends**, selling now would be a wise choice. However, Ren Zeping, a well-known economist, pointed out in one sentence: the inflection point of the long-term real estate cycle has appeared, and the era of large-scale development and general inflation has ended.
This statement sends two important messages. First of all, the future real estate growth will show an inflection point, with slowing urbanization, lower birth rate, and even negative population growth, which will lead to a decline in purchasing power.
Secondly, the era of general housing price inflation has ended, and the future will be a differentiated property market, the more economically developed cities will maintain their purchasing power growth, while the net outflow of population in cities has limited room for housing price growth.
Wang Jianlin also expressed a similar view, believing that there is still room for housing prices in first- and second-tier cities in the future, while there is limited room for housing prices in third- and fourth-tier cities with a net outflow of population.
Therefore, real estate investors should make rational decisions according to the demographic situation and economic development level of the city where they are located, and grasp the opportunity to sell their houses to avoid regrets in the future.