High housing prices have affected the fertility rate, I very much agree with this sentence, since the first housing reform in 1998, these more than 20 years, housing prices are basically continuous, at that time housing prices were only a few hundred thousand, and now the average housing price has reached 10,000, this is just the average, because there are many small cities housing prices are very low, and the population is relatively small.
If you only look at those cities with large populations, the average price of commercial housing can reach 170,000, starting at 2 million to buy a house, and having to take on a loan for decades, do you say it will affect the fertility rate?The answer is yes.
Let's assume that the house price is very low, low enough to easily buy a set in full, then the average family has no debt, the monthly salary can be used to live, and money can be saved, and having a baby is naturally a matter of course. On the other hand, if the house price is very high, all the savings are invested in the house, and the mortgage has to be repaid by several thousand every month, the financial and psychological pressure is very great, who still has the heart to have a baby.
Therefore, if you want to increase the fertility rate, you must solve the problem of high housing prices, and from 2023, the regulation and control will begin to increase, such as lowering the mortgage interest rate, reducing the down payment ratio, giving subsidies for buying a house, reducing taxes and fees, etc., these measures can effectively reduce the cost of buying a house.
Of course, the fertility rate is not going up, housing prices are the main reason, but not the only reason, there is also the problem of high cost of raising children, food, clothing, housing and transportation, needless to say, education expenditure is a lot of money, from kindergarten onwards, all kinds of training classes, tutorial classes, not to report, others have reported, you have to fall behind.
In the final analysis, it is an economic problem, so the subsidy of real gold ** is more effective than anything else, so we can see that many areas have begun to subsidize families with babies in cash, such as Shangyu District, Shaoxing, Zhejiang, if it is a three-child family to buy a house, the direct subsidy is 300,000.
There will also be a large number of affordable housing on the market this year to provide college students who have just graduated and joined the workforce, as well as migrant workers, low-income groups and so on. In order to solve the problem of "life", we must first solve the problem of "living".