In a recent casual conversation with a developer brother, I learned that today's buyers are not the same as they used to be. In the past, a considerable number of buyers were full-time speculators who did not have a serious job. They made a fortune and accumulated a certain amount of wealth when the capital market was hot in the early years. Inproperty marketDuring the boom period, they specialized in viewing houses and organizing groupsBuying a houseactivities, rightCreditLoans, mortgages, and moreCreditCard Cashing is very familiar.
In the past, some buyers were involved in cross-regional, cross-city, cross-provincial and even cross-border countriesBuying a house。For example, people in cities and counties under the provinces have bought provincial capitalsProperty；Henan people flocked to Xi'an in a frenzyBuying a house；Northeast people bought a large number of Hainan'sProperty；Shenzhen people are buying one after anotherNanshaZhuhai'sProperty；And the Pekingese are actively buyingThree counties in the northofPropertyShanghaiPeople tooInvestmentsKunshan, Nantong and other places, and even some people even bought them in Singapore, Malaysia, Thailand, Japan, the United States, Australia and other placesProperty。This part of the buyers is not specialized in property speculation, but follows the marketInvestments
In the past, many of the buyers went to the cityFarmersand college students, they can be classified as just needy. Nowadays, however, even Beijing is like thisBig citiesThere has also been a net outflow of population, into the cityFarmersAnd college students can hardly see their figures.
Unlike in the past, buy nowPropertyof buyers are mainly those who have serious jobs, have a very stable work unit and have a very fixed scope of work. These people include:Civil servantsPublic institutionsEmployees, employees of central state-owned enterprises and other "iron rice bowl" occupations, they are inBuying a houseThe proportion in the human group is increasing. Among the buyers in the past, the ones who went to the cityFarmersAnd college students are part of the population that just needs it. They usually enter the city for work and Xi, and seek development and improvement in the city. However, with the acceleration of China's urbanization process and the improvement of the level of urbanization, the mobility of the population entering the city is gradually decreasingFarmersand the proportion of university students has decreased accordingly.
NowBuying a houseMore and more people in the population have stable jobs and incomes**, and their work units are very stable and have a very fixed range of work. These people are usually engaged in:Civil servantsPublic institutionsor "iron rice bowl" jobs such as central state-owned enterprises, enjoying relatively stable income and treatment. They areBuying a houseThe proportion of the market gradually increased, becomingBuying a houseThe mainstay of the market.
For example,Civil servantsIt is a very stable occupational group, they enjoy higher wages and benefits, and they have a higher level of stability in the workplace. Public institutionsEmployees also have similar characteristics, and they are relatively stable in terms of work scope and salary. Employees of central state-owned enterprises usually work in large enterprises and enjoy higher salaries and benefits. These "iron rice bowls" of the groupBuying a houseDemand for:real estate markethas played an important role in promoting the stable development of the country.
Nowadays, in the current oneproperty marketIn this situation, I am personally rightRoom ratesWith a similar point of view, I hope that those who have serious jobs and are swiped by good situations every dayPublic institutionsEmployees andCivil servants。They are indeed in the momentproperty marketThe mainstay of the world. ForBuying a housepeople,Room ratesis one of the most important considerations. Currentproperty marketThe downward pressure is greaterRoom ratesOverall**. However, in this case, I think Beijing'sRoom ratesIt may be stronger and last longer. Why?
First of all, thoughShanghaiand Beijing have experiencedRoom rates**, butShanghaiofTurnoverThe scale is relatively large. This is becauseShanghaiofTurnoverMainly received by the "hit new" (aBuying a houseway, i.e. the purchase of a property that has not yet been completed). The data for the first half of the year shows thatShanghaiproperty marketofTurnoverThe largest, while Beijing has onlyShanghaiTurnover60% of the total. For example, in March and April of this year,ShanghainewRoom ratesThe price is generally 1.5 million higher than the pre-sale price, or even 8 million or even 10 million higher, and the more ** the house, the more upside down (that is, the selling price is higher than the pre-sale price). By successfully buying a new upside-down home, people may gain even more than they can save by cutting back for 10 years. Therefore, many people in the first half of the year are keen to goShanghaiBuying a new home. However, withproperty market** Slide,ShanghaiofRoom ratesIt started to be widespread**, and the decline I observed was bigger than in Beijing.
In short, I think, for the serious working population,Room rates** is a good buying opportunity. After all, for those who have a stable incomeBuying a houseFor people, the house is mainly for living and notInvestments。And, inBuying a houseIf you can take it into account at the same timeInvestment income, so much the better.