At the end of the year, as usual, I still have to talk about the summary and **.
Today's main focus is on perceptions and opinions, which may not be right, but I can share them with you.
About the property market: 1. This year's expectations are used to break.
I thought that the cold was over, and we would return to the track of rapid development, and some industries would at least hit the bottom.
The result is that there is no hair, but it is even worse.
The key is frequent stimulus and policies, which cannot be said to be useless, but can only be said to be short-lived.
2. Finally, house prices are back to 5 years ago.
Don't say that house prices don't have **, this year is really down.
There is no differentiation**, it is universal**, no difference**, it doesn't matter if you are in the first or second line or the eighteenth line, this year is very fair, and it has fallen.
It's just that the more it falls, the more they dare not buy, but it has promoted a group of people to sell their houses emotionally.
This year's transaction volume is **, and the number of listings continues to be **, which shocked a group of people and shouted that the property market wants pills.
I really don't want to explain, just let this group of people stick to their beliefs.
Many people have read the article on the Internet, and there will be no one in the future, and whoever will take over the house will only be the price of cabbage.
Don't be naïve, the house is not expensive, the location is decided, no one wants to send the hometown house out in the future, but you try to send a good house in Beijing, Shanghai and Shenzhen, do you see if you want it?
See if it will be the price of cabbage, see if you can afford this cabbage?
3. I don't dare to say whether there is money or not, but it may be true that I dare not spend money.
Looking at the comments, I cry poorly, but looking at the data, there are discrepancies.
Deposit data: RMB deposits increased by 25 in the first 11 months65 trillion yuan, an increase of 130.1 billion yuan year-on-year. Household deposits increased by 908.9 billion yuan.
In short, judging from the data, the big guys are actually rich, but they have saved it.
Don't bar, this year's luxury housing transactions in Beijing, Shanghai, Guangzhou and Shenzhen far exceeded last year, Shenzhen's Qianhai Times Phase III 16 million mansions last weekend on daylight, last month the coal boss also ** Shanghai's mansions.
The world is inherently uneven, there are poor people and rich people, most of them can't make money this year, and there are still a small number of people who have made money.
You can comfort yourself that no one is making money, and don't deny that someone is making money.
There is nothing fair or unfair, and the landlord is not guilty.
There are only 2 types of successful people in this society: one is that the family has resources and follows the trend, and the other is a person who is extremely smart and works hard + has a little luck.
You can't make any money, you can only say that you belong to the majority.
There's no need to be weird, and there's no need to complain.
4. Next year's balance will definitely be broken.
House prices have fallen this year, will they fall next year?
House prices have fallen this year, is it possible to bottom out next year?
I'm not a prophet, but I want to say that next year we must break the current situation.
It is impossible to use so many drugs, there is no reaction at all, either live or worsen, it can only be 2 choices.
The four instructions mentioned in the middle of the year: reduce the down payment, reduce the interest rate, reduce taxes and fees, and recognize the house but not the loan.
From November to December, the four major first-tier cities will be implemented.
In December, there is new content: strengthening the supervision of pre-sales, further increasing the implementation of the policy of first and second homes, meeting the financing needs of all real estate enterprises, actively promoting urban renewal actions, and the transition of real estate from whether there is to whether it is good or not.
The fastest of the above is the first quarter, and the slow is the second quarter, and all of them are about to land.
By the way, there are 8 words: if you move, you must be fast, and if you move, you will succeed.
This attitude and determination are obvious.
In 2024, there is a high probability that the policy will not squeeze toothpaste like this year, and the property market will not rise like now, but if it falls sharply, there is no room for it to fall.
2024 I think is a year of results, and the simple point is: up or down, give a good time.
It can also be tested what kind of cities will rise and what kind of cities will fall.
It's time for a scoresheet next year, too.
Of course, at this moment, you can continue to wait and see, or you can prepare to make a move.
I still say the same thing, you can choose to be like most people, because when you fail or don't make money, there is a comforting word, it doesn't matter, everyone is the same.
People themselves are easy to conform to the herd, why the wealth is 28 points, and even 19 points in the past two years, there is some truth in this.
About life: 1. Health is more important than anything else.
In the past two years, I have suffered from illness or the pain of people around me, and I am even more emotional.
Some time ago, relatives at home suddenly had acute leukemia, the family was all in a mess, and immediately after being found out, emergency chemotherapy was carried out, at that time from his hometown to Guangzhou, chemotherapy in Guangzhou, there were 2 young children at home, and the old mother was 80 years old.
He is only 41 years old, and he is still the pillar of the family.
Suddenly, at that moment, I was very touched that most of us have already faced or are facing some birth, old age, sickness and death around us.
Sometimes it is better to be healthy than to make more money.
Therefore, you should stay healthy, this is the confidence to walk the rivers and lakes.
By the way, I would like to share an additional insight, that is, when my relative was in his hometown to check his blood for suspected leukemia, he immediately came to Guangzhou, and the subsequent chemotherapy program was also done in Guangzhou.
Everyone says that what the big city buys must not be bricks.
It's the city's medical facilities and education, and it's really not a joke.
Sometimes what you buy in a first-tier city is not a house, it's life.
2. The older you get, the more you need to reduce unnecessary socialization.
The fairest thing in this society is time and the end of life.
No matter how awesome you are, you only have 24 hours, and no matter how rich you are, you will eventually turn into dust.
Therefore, to reduce non-essential socialization, people have limited time and energy when they reach middle age, and they should focus on getting along with their relatives and improving their abilities.
Live a simple life and be less distracted by a mess of socializing and information.
3. People's success is said to be the opportunity of the times at best, and it is the result of insight and luck at worst.
I am very touched by the life I see in this sentence, and I will also take it out and share it with you.
Returning to the development of the past and making money, which one does not owe it to the opportunities of the times.
In the reform and opening up in 1978, if you choose to go to the sea to engage in business, I am afraid that you can also leave a name on the list of the rich.
In the dual-track system in 1985, if you know how to use the price difference and be a bad man, you can also get rich.
In 2005-2007, there were more than 600 ** with a maximum increase of more than 10 times, and how many people have become multimillionaires in recent years.
In 2003, if you open a store and run it well, you will have no worries about food and clothing in this life.
From the *** that appeared in 2012 to 2019, if you settle in Douyin, since the ** wave has been caught, how many people have become Internet celebrities, and they have also made a lot of money.
No matter how bad it is, you only need to buy a few more houses after 2000, and no matter where you buy it, you will basically make money.
If you catch any of the above bonuses, even if you catch one, at least you don't have to worry about food and clothing now.
Standing on the tuyere, pigs can take off.
The real rich are those who seize the opportunities of the times.
At the micro level, it is luck and insight, and the opportunity is fair in front of everyone, but maybe only 1% of people have the insight to seize the opportunity.
So when the opportunity comes, it's all in vain if you can't catch it.
I found that every time I sing about the empty property market in the comment area or all kinds of people who spit fragrant and complain, they are people who turn around and complain that the housing prices are too high because they haven't eaten any dividends before.
All I can say is that either you don't receive this kind of information, or you don't have that kind of insight.
This has led to a widening gap between the rich and the poor.
People who eat dividends are more convinced and more decisive to seize opportunities.
Those who can't eat are gambling on luck, betting that every opportunity will not favor the rich.
But the fact is that 99% of people are still gambling, and 1% are continuing to be rich.
Many people talk about how to make money, and isn't the advice given by many people the same?
* Whether it's the property market, buy low and sell high.
To do business is to do a good job in products, sales, and profits.
The real difficulty is not the thing itself, but overcoming human nature.
The property market is not the best proof, buy low and sell high, Li Ka-shing has already told you, and people do the same, but ordinary people can't do it.
Human nature is sometimes like character, which may be determined by the experience from birth to growth.
The rich probably didn't think they could be so rich, and the poor didn't understand why they were so poor.
There are people who have done nothing wrong, but they have had a hard time all their lives.
But some people seize an opportunity to soar, and that is to lead the wealth of the entire family to leap.
It can only be said that everything is the same frequency of opportunities and choices.
Finally, I would like to point out that the annual meeting is a key juncture, both for the economy and the property market.
Housing prices in many cities have fallen to 5 years ago, or that sentence indiscriminate attack, there is room to fall out, I dare not say how much more skyrocketing, but the safety cushion is very sufficient.
Coupled with the policy push, the threshold and cost of large cities have been lowered, and many third- and fourth-tier cities have funds entered by opportunity into first- and second-tier cities.
This gives many families a chance to be promoted, a chance to enter big cities, and the opportunity to enter first-tier cities with family wealth and children in the future.