2023 is about to pass, looking back on this year, I can't help but have a sense of the changing times, this year is the first year after the epidemic, and it is also a year when everyone's inherent ideas have been reshaped, and many things have changed significantly this year.
I've been thinking about how I should think about buying a house in the past few days. When the house does not have the appreciation attribute, then there is only a residential attribute, and pure living is actually a kind of consumption.
We might as well change the perspective, buying a house in the future may be like buying a car, will you consider the appreciation of the car when you buy a car?Definitely not, when you buy a car, you will consider the face, brand, quality, appearance, power, sense of technology, interior, etc., but will not consider appreciation. I think that buying a house in the future may also change in this direction, in the future, everyone will pay more attention to the developer, façade, house type, property, decoration, basement, greening and other factors related to the actual residence, of course, it is best to appreciate, but it is acceptable without appreciation, which is the real realization of "housing not speculation". Recently, I chatted with many buyers in several sales offices, and found that people who buy houses now do not put house appreciation in the first place, and there will be more and more such people in the future. Okay, so the question is, since the house does not have obvious appreciation expectations, and now the mortgage interest rate is so high, isn't it more fragrant to rent a house?That's a good question. Therefore, in the future, more people will choose to rent for a long time or even for life, especially young people or people who are not married or have children, and the country is also vigorously promoting long-term renting. And people who buy houses, there will be fewer and fewer people who choose high-leverage loans, even if the policy encourages you to borrow more, it is useless, everyone buys a house within their means, which is the same as buying a car, you will not take out more loans to choose a luxury car beyond your ability to pay. Therefore, when buying a house in the future, we should pay attention to changing our thinking, the underlying logic of buying a house is changing dramatically, the house is really used to live, and the concept of "housing is not speculation" has begun to take root in the hearts of the people this year.
Of course, there are still houses that can appreciate, but the proportion is very low, just like this wave of housing prices in Beijing, in fact, there are some real estate projects that have not fallen much, but these real estate projects often have a high threshold, far exceeding the purchasing power of ordinary people. For me personally, due to the significant changes that have taken place in the real estate industry that I am currently working in, I myself have to make some adjustments. I feel that I have been getting more and more Buddha recently, thinking back to the beginning of the year, I just bought Beijing Yuefu, and I wanted to ** Yongfeng Nan in high spirits.
I don't want to buy anything now, I just want to continue to repay the loan now, and I will be free of loans sooner. In fact, in our society, many people who have accumulated a lot of wealth can ask themselves, whether our wealth comes from our ability or the gift of the timesIn fact, ability is only the foundation, and the dividends of the times are the fundamental. In this case, this dividend is not there in the future, and our wealth is at risk of being recovered, so at this time, what we have to do is to respect the law, abandon the inherent concept when we used to sit on the tuyere, judge the situation, conform to the trend of the times, and try to keep the existing wealth.
Today's words, I hope you can understand it well, and I hope you can also adjust your mentality as soon as possible to meet the next different time