The economy is slow because the house can't be soldAnd the house can't be sold because of the limited purchaseWill the complete abolition of purchase restrictions definitely make the house sell well?
Ren Zeping, a well-known economist, appealed:Now is the time to go all out to fight for the economy, and it is also the most appropriate time to fully cancel the purchase restrictions in the property market.
Ren Zeping said in an interview that after the cancellation of the property market purchase restrictions, the first-tier cities will take the lead in recovery, and the core second-tier cities will be able to bottom out and rebound, and as for the houses in the third- and fourth-tier cities that cannot be sold, then a housing bank will be formed to take over and rent out these houses.
He also said that if house prices overheat due to the lifting of purchase restrictions, it can also be adjusted by imposing a real estate tax**. In his opinion, developed countries such as the United States, the United Kingdom, Australia, Japan, and Singapore will not take purchase restrictions through ** and taxes.
In fact, now various places have lifted purchase restrictions, housing prices have also dropped a little, and even the bank's mortgage interest rate has been lowered, but the current house is not as easy to sell as he said.
In fact, the main reason why the house can't be sold, those of us at the middle and bottom are the most clear, because this house is too expensive, even if we ordinary people empty 6 wallets and take the next 30 years, we may not be able to carry this mortgage.
In fact, the reason why the house cannot be sold is that the people have no money in their hands.
In the past few years affected by the epidemic, people's incomes have been affected by everything to a greater or lesser extent. Some factories have reduced production due to poor efficiency, and the wages of workers are completely determined by the basic salary and overtime, and the basic salary received every month without overtime is simply not enough.
If some small enterprises do not bear it in the past few years, they are likely to face bankruptcy and bankruptcy, and even some unimportant projects that some large enterprises will take in order to avoid risks, which leads to some people facing salary cuts or even layoffs.
Income has decreased, but expenses have not decreased because of this, although the mortgage interest rate has decreased, but for people who take out loans to buy houses, a dozen dollars a month is missing, just the money of a cup of milk tea, what role can it play?
With the cancellation of the purchase restriction order, ordinary families simply do not have enough ability to buy another house, and the mortgage pressure on a house has made life difficult for the family.
Monthly living expenses, children's education, support for the elderly, etc., all need money to support.
Canceling the purchase restriction is, to put it bluntly, to let those who are particularly rich buy more houses, but for these rich people, they don't lack houses at all, and now that the house price is like this, who will hold the house as an investment product?
You know, last year, the national social security ** loss was as high as 1380900 million yuan, the average annual income was as high as more than 7% before, and there was such a high loss, not to mention ordinary investment and financial management
Although the economy has shown strong stamina after the epidemic has been released, the economic recovery speed is still relatively slow, and it may take a long time to reach the level before the epidemic.
In fact, if you want to sell a house again, the fundamental thing is to make those who want to buy a house can afford to buy a house with the money in their pockets.
Like now, those who are richer may have more than one house in their name, two or three sets or even can't be counted, and now the house price is **, and the market is like this, for these investors, they will not throw money into real estate again.
According to the data given by the central bank, residents' deposits have exceeded 134 trillion yuan, and compared with the data released last year, it is found that in just three quarters, residents' deposits have increased by 20 trillion yuan.
This is enough to show that those investors are not optimistic about the current market, and they have successively deposited their money in the bank with the highest safety factor.
For these wealthy people, even the previous policy of restricting purchases is not difficult for them, they always have various ways to buy a house, and now the lifting of purchase restrictions is no longer so attractive to them.
But for those who want to buy a house, the attraction of a house is still great, and who doesn't want to have a house of their own in this life?
But difficulties are in front of them again, these people who want to buy a house, in most cases, they can't afford to buy this house at all, even if it is a small county town or even some towns and towns, the down payment is as high as hundreds of thousands of yuan.
Not to mention that in provincial capitals, or some first-tier cities, the down payment for a house may exceed one million yuan, and emptying the wallets of 6 people may not be enough to pay the down payment for this house.
So what can be done to increase the income of these people?Judging from the current situation, the unemployment rate in urban areas is still around 5 percent, which is still a relatively high level.
Increasing the employment rate, giving them a stable working environment, and a stable income, can also improve their confidence in buying a house under certain circumstances.
The reason is also very simple, you look at those who work in non-private companies, which of them can't afford to buy a house, although on the surface it seems that their salary is not very high, but he is stable, and the provident fund pays more. If you buy a house with a provident fund loan, you can enjoy a greater discount, and the monthly mortgage is much lower than that of ordinary people, so they can afford to buy a house.
Reduce the expenses of these people who want to buy a house
For the vast majority of families, the main expenses facing the biggest expenses are the education of the two children and the family's medical care. In recent years, with the rapid development of the economy, parents have paid more and more attention to their children's education, and more and more energy and money have been invested in their children's education.
For young parents, the cost of their children's education may account for more than half of their income, and in this case, if the burden on these families can be reduced, then the family can also accumulate wealth relatively quickly.
In terms of medical care, if we can establish a sound medical security system, the cost of hospitalization can be a little less, and the economic burden will be much smaller.
Take medical insurance as an example, resident medical insurance has risen for so many years, from the previous 10 yuan per person to the current one, the minimum per person is 380 yuan, and even some areas have exceeded 1,000 yuan. In such a situation, a family of six will pay as much as 6,000 yuan for a one-time payment of resident medical insurance, which is indeed a large cost for ordinary families.
If there are relevant policies or the medical system is sound enough, then relatively speaking, the pressure on families in medical care will be greatly alleviated.
Either lower housing prices and make them affordable for the common people
Because there is no way to increase people's income, and there is no way to reduce their expenses, so if the house can be sold, only by reducing the house price, the house is reduced to the right level, and the people who want to buy a house can afford it, then the house will naturally be sold.
At present, there are individual regions that will determine the ** of commercial housing by the market and can reduce prices independently, but after the two regions lowered the housing prices this year, they were still intervened to stop.
So if the house price really returns to the market and is determined by the supply and demand of the market, the house will definitely be better to sell. Housing prices in some of the more remote areas will definitely be somewhat, so for those who want to buy a home, they can prioritize these affordable homes.
The ** of commercial housing returns to the market, which is determined by the market, which will make some houses in the core area may continue to be **, that for investors. Such a house is more valuable as an investment, and such a house will sell well.