The property market has changed dramatically, and many people don't understand itInsiders advise ordinary people to make two preparations in advance!
The grand plan behind the real estate regulation policy.
Recently, there have been a series of property market regulation policies, including reducing the access ratio, mortgage interest rate and recognition standards of ordinary residential buildings in first-tier cities, canceling the price limit order, and launching a new round of housing reform plans. These policies have aroused great concern in society. In fact, these policies are to solve various problems in the current real estate market, to achieve the purpose of stabilizing the market and avoiding risks.
1.First-tier cities such as Beijing and Shanghai have reduced access ratios, mortgage interest rates, and housing recognition standards.
First of all, first-tier cities have lowered policies such as down payment ratios, mortgage interest rates, and recognition standards for co-ownership housing, aiming to lower the threshold and cost of buying a house, reduce the pressure of taxes and fees on home purchases, stimulate the demand for home purchases, and promote the recovery of real estate market transactions. Tier-1 cities hope to attract more buyers to the market and inject more vitality into the real estate market by lowering the threshold and cost of buying a home. This is of great significance for stabilizing high housing prices in first-tier cities, avoiding large fluctuations in the short term, and further avoiding systemic financial risks.
What's more, while being sought after by home buyers, some places have lifted the restrictions on developers to reduce prices for the sake of **, allowing developers to decide the price reduction range according to the actual situation. The purpose of this initiative is to help developers withdraw funds in a timely manner and avoid liquidity crises. When developers can withdraw funds in a timely manner, the liquidity problem can be solved, which can not only avoid debt crisis and building disrepair, but also help promote the order and healthy development of the real estate market.
2.A new round of housing reform plan.
In addition, the launch of a new round of housing reform plan is also an important measure to solve the housing problem and promote social stability. Compared with the 1998 housing reform, the new round of housing reform plans focus on basic security, and plans to provide 6 million affordable housing units in the next five years to meet the housing needs of low- and middle-income families in the city. The cost of affordable housing will be lower than that of commercial housing, which will greatly reduce the cost of buying a house for low-income families. The introduction of affordable housing has made low-income families no longer worry about the high housing prices of commercial housing, and has alleviated their housing problems to a certain extent.
Overall, the goal behind all these policies is to stabilize the real estate market, stimulate demand for home purchases, and avoid a liquidity crisis for property developers. At the same time, it also provides a large number of subsidized housing to reduce the cost of housing for low-income families, so as to achieve the stability of the real estate market and the needs of low-income families to live and work in peace and contentment.
Ordinary citizens need to be prepared in advance for the following two aspects.
In the face of the current property market situation, ordinary people need to prepare in advance to buy a house. These two preparations mainly concern two groups of people: families who are buying new or improved housing and low-income families.
1. **Significant price reduction**, opportunities and challenges coexist.
For families who just need to buy a home or improve their home, it is a rare opportunity for developers to significantly reduce prices**. They can take advantage of the developer's price reduction** to find the most suitable property for themselves in the real estate market, and there may be unexpected surprises. While price reductions present opportunities for homebuyers, they also present some challenges. Buyers need to strengthen their understanding and evaluation of market information, avoid blindly following the trend, and choose the right time to buy a house.
2.The roll-out of social housing has brought hope to low-income families.
Low-income families can choose not to buy commercial housing for the time being, and wait for a large number of social housing to be launched in various places next year. Subsidized housing will be provided to low-income families at a lower price than commercial housing, thereby greatly reducing the cost of buying a house. The purchase of social housing can meet the housing needs of low-income families and provide them with a place to live. As a result, low-income households can avoid the high prices of commercial housing and solve their housing problems by waiting for the introduction of social housing.
Personal summary. Judging from the current property market situation, under the guidance of the first country, the property market regulation policy has begun to play a role and has played an important role in stabilizing the market and preventing risks. On the one hand, by lowering the threshold and cost of buying a house, people are encouraged to actively buy houses, which stimulates the increase in the transaction volume of the property market. On the other hand, real estate developers can recover their funds in a timely manner by cutting prices** to avoid a liquidity crisis. At the same time, the housing subsidy program solves the housing problem for low-income families and reduces the cost of buying a house.
For the average person, buying a house is an important decision that should be prepared in advance. Families who just need or improve their home buyers can take advantage of the opportunity of real estate developers to reduce prices** and prepare in time. Low-income families, on the other hand, can wait for the launch of social housing next year to meet their housing needs and reduce the cost of buying a home by purchasing social housing.
Finally, the development of the real estate market still requires the joint efforts of **, home buyers and real estate developers. ** It is necessary to continue to increase the regulation and control of the real estate market and maintain the continuity and stability of policies. Buyers should look at the market situation rationally and make informed decisions. Real estate development enterprises should actively respond to market changes and continuously improve product quality and service levels.
Only when the three parties work together to promote the healthy development of the real estate market can the stability of the real estate market and the sustainable prosperity of the society be realized. For every ordinary person, participating in the real estate market also means that they need to buy a house rationally to realize their dream of living in peace.