China's real estate market is experiencing an unprecedented winter, housing prices, frozen funds,Unfinished buildingNot uncommon, debt crises lurk. Although the state has introduced multiple rounds of stimulus policies, it wants to pullproperty market, but the effect is not ideal, the developer andBuying a houseare taking a wait-and-see attitude. However, the affordable housing solution proposed by expert Huang Qifan has won unanimous support from people. The construction of affordable housing can quickly digest excess inventory and meet itBuying a housedemand, and drive the development of related industries. However, the construction of affordable housing also faces risks, and risk assessment and preventive measures must be carried out. In any case, promote the construction and optimization of affordable housingFinanceThe environment is all about revitalizationproperty marketeffective way.
Since 2022,China's property marketFacing a severe decline, sales area fell by nearly 17% year-on-year, and inventory levels remained high in many cities. At the same time, real estate developmentInvestmentsThere has also been a sharp decline, and many developers have fallen into trouble and appearedUnfinished building, rush to work, debt default and other issues. It can be said thatChina's property marketIt has encountered an unprecedented winter.
Faceproperty marketIn the cold winter, the state and local governments have launched multiple rounds of stimulus policies, hoping to reduce interest rates, reduce burdens, and reduceDown paymentproportions and other means to stimulateproperty market。However, the overall effect of these policies is not ideal. Although many places have lowered the interest rate on the first home loan andProvident FundLoan interest rates have also been significantly reduced in some citiesSecond home loan interest rates；Although some cities have practicedPropertyTax reduction, reductionBuying a houseCost;Although some cities have lowered itDown paymentThe proportion even drops to zero in some citiesDown payment, but these policies do not make the price of the house appear noticeable**. property marketThe cold winter has become a foregone conclusion, and it has not changed because of these policies.
Faced with the reality that stimulus policies have not been fruitful, well-knownEconomyScientist Huang Qifan proposed a plan for the construction of affordable housing called the "ultimate solution". He suggested that the transformation of urban villages should be the mainstay, and large-scale construction of affordable housing should be carried out. The core of the plan is to use inefficient land such as urban villages and dilapidated houses to build public buildingsRenting a house, cheapRenting a houseand other types of affordable housing to ensure that the rent and selling price of these ** are lower than the market**, so that low-income groups can afford it. Huang Qifan believes that this can not only digest the excess real estate inventory, but also meet the people's demand for housing, and at the same time promote the development of related industries, and solve the problem from three aspects.
Although the construction of affordable housing is considered to be an effective way to solve the real estate dilemma, there are also certain risks. First of all, the construction of affordable housing requires huge capital investment, and how to raise funds has become a problem. Secondly, the management and distribution of affordable housing also need to be refined and fair to prevent chaos. In addition, the construction of affordable housing also needs to pay attention to the construction of supporting facilities and public services to meet the basic needs of residents. Therefore, while promoting the construction of affordable housing, it is also necessary to conduct risk assessment and take corresponding preventive measures.
In addition to promoting the construction of affordable housing, optimizationFinanceThe environment is also revitalizedproperty marketOne of the effective ways. At present, real estate development enterprises are facing:FinancingDifficulty、FinancingThe problem of high costs, limited bank loan channels, and insufficient financial support for enterprises. Therefore, improvements need to be madeFinanceenvironment, increase in the real estate industryFinancesupport to provide developers with more flexibilityFinancingaccess and low-cost funding. This will not only help businesses tide over the storm, but also stimulate themReal estate investmentand consumption, pushingproperty marketRecovery.