In the past, there was a more recognized saying in the real estate circle-If you don't buy a house at the end of the year, you will be busy for a year.
At that time, the house price was soaring, the increase was exaggerated, and even the gap between the morning and afternoon of the day was very large, so it can be imagined that at the beginning of the year and the end of the year, the difference between the price of the same house can be big, so in the past, there has always been a saying that you don't buy a house at the end of the year, and you are busy for a year.
In addition, at the end of each year, many developers will make great efforts to make the annual report look better in order to sprint performance, and they will make great efforts to make discounts, and at this time, they can enjoy a lower ** when they buy a house.
However, since the emergence of changes in the property market, housing prices have begun to enter the first cycle, and many third- and fourth-tier cities have fallen back to three or four years ago, including first-tier cities, and many of the past ** real estate have also begun to fall off the altar.
For example, in Shanghai, the original unit price was as high as 320,000 yuan, and the recent transaction price even fell to 1580,000 yuan.
And not only Shanghai, but also Beijing and Shenzhen, there are also luxury homes that have been sold at lower prices many times but still no one cares.
So, some time ago, the Shenzhen property market released two big moves:
1.Adjustment of ordinary housing standards: cancel the luxury house line with a total transaction price of 7.5 million;
2.The down payment for the purchase of a second house is a flat 4%.
The first adjustment of the standard line of luxury housing has directly helped the majority of improvement groups to save a large amount of taxes and fees, and secondly, the threshold for buying a house has also been lowered a lot.
Of course, the down payment ratio has been reduced, but the monthly payment in the future has also increased a lot, but for those who have the strength, it is enough to be able to leverage more, and the monthly payment is not affected at all, they are interested in the low-cost funds of the house mortgage.
You must know that the interest rate on the mortgage in Shanghai is only more than 3 points, which is lower than the mortgage interest rate, which is the key point that makes it difficult for those rich people to resist.
In addition to cities like Shanghai and Shenzhen, since entering 2023, Beijing's market situation is not ideal, since the policy of recognising houses and not recognising loans has brought a small number of transactions, the market transactions have quickly declined, and in October, the online signing of second-hand houses in Beijing even fell by 25% month-on-month.
In the face of the surge in the number of listings in the second-hand housing market, there is only one way for landlords in Beijing to sell their houses as soon as possible - to reduce prices.
In fact, if the price reduction can achieve a quick transaction, there is nothing sad about giving up some profits, and the most desperate thing is that even if the price is reduced, there is still no one to see the house, and there is not even a person to consult.
So, in the face of such a situation, can you buy a house at the end of this year?
For this problem, industry insiders suggest that buying a house at the end of the year will have to face "three bad news", and it is recommended that people who have plans to buy a house understand in advance:
The first bad news is that the house may face no one to take over.
In fact, many people who buy a house at the end of the year are in demand for improvement, which means that they need to sell their small houses in exchange for a large house.
However, judging from the current surge in the number of listings in the second-hand housing market around the country,Once the sell-off comes, no one wants to be the pick-up man, and eventually your assets will only be reduced to paper wealth.
The second piece of bad news is that buying a new off-plan home can be a lot of problems that you will regret.
At present, the dilemma faced by developers is that the house cannot be sold, financing is difficult, and the money borrowed from the land is generating a large amount of interest expenses.
This also indicates thatOnce you buy a new off-plan house, you may face difficulties in handing over the house, and it is difficult to say that it is even a bad purchase.
For example, the things on the Internet about the purchase of a house by Liangliang Lijun and his wife may also be a reminder for many partners who buy new houses in advance!
The third piece of bad news is that the cost of owning a house is gradually increasing.
Although the property tax has not yet been introduced, the landlord tax has been piloted in three provinces: Hebei, Hunan and Yunnan.
In addition, in recent years, many institutions and scholars have also frequently discussed the introduction of real estate tax in advance, so it can be predicted that the real estate tax is definitely getting closer and closer to us, and it is only a matter of time before it is introduced.
Therefore, for friends who have plans to buy a house at the end of the year, you must know the bad news that these three may face in advance, plan well in advance, buy a suitable and safe house, and don't let your hard-earned money go to waste.