The house seems to have a special meaning for the masses of our countryHaving a house also means that we have a homeMoreover, due to the influence of the idea of speculation in the past few years, housing prices have soared in various places, and it has also become a financial product.
Affected by various factors, housing prices are in the first place every year, which invisibly increases the pressure on everyone's lifeThe house has become the standard for many young couples when they get married.
It can be said that the property market has become a unique existence in the economic marketOf course, the state is not going to sit idly byAfter the emergence of the epidemic, the economy is turbulent, and the various macroeconomic controls carried out by the state in the property market have also shown their role.
The original property of the house was supposed to be habitation, but now it is linked to the economic marketThis has led to a game between real estate companies and **, which will affect the future trend of China's economy.
In recent years, there have been large fluctuations in property pricesRecently, the Ministry of Housing has set the tone again, and the property market may usher in two declinesCould it be that at the beginning of this new year, the real estate market has come with a major move?
After entering the 21st century,China has quickened the pace of economic construction and has made good achievements in many fieldsNow China's status and influence in the international community are constantly improving, which has changed the structure of everyone's life.
The real economy has always been the pillar industry of the state's financeThe property market has promoted the growth rate of China's economyIt also improves everyone's quality of life.
In previous years, housing prices around the country**,One is because the supply and demand relationship in the market has changedIn the past, everyone would only think of buying a house when they just needed it, but after the phenomenon of house speculation, the number of people buying houses in various places has increased a lot.
Since *** the house has become a store of value,Many people choose to put their savings out to buy a few houses and sell them in a few years, so that they can get a high price difference.
After seeing that some people profited from it, other people joined the ranksDue to the rapid expansion of market demand, there are more and more new development projects in various places.
At that time even appeared,Even off-plan properties will be snapped up in a short period of timeEveryone's enthusiasm for buying houses has encouraged real estate companies to further expand the scale of development.
But in recent years, everyone's income has shrunkI had to be more restrained in terms of consumptionThis has led to a decrease in the demand for housing.
The current property market has shown a state of oversupplyThere are still a large number of existing homes waiting to be soldThe second-hand housing market is also highly competitive.
After everyone saw the property price all the way, the state carried out relevant macroeconomic regulation and controlVarious policies have been introduced one after another, which has well controlled the continued growth of property prices, which also releases a signal to everyone, that is, the property market will enter a stage of stable development next.
Various changes in the property market have affected the growth of the economy, resulting in a slow flow of funds in the marketMany property developers have also delisted.
This is undoubtedly a heavy blow to China's fiscal revenue, but we have to admit itThis could be a great opportunity for the real estate market to reinvent itself and get a new lease of life.
In the past two years, the state has repeatedly supported everyone from the demand side to actively buy housesThis has brought more dynamism to the market, and how many preferential policies have been formulated.
The first is the construction of urban villagesMany cities still have old towns, and as the city has grown, many of the former villages have been divided into urban limits.
The problem of urban villages has always existed, and all localities have strengthened the construction and transformation of urban villages in the pastIn this process, the reconstruction and demolition of urban villages was put in the first place.
This can improve the appearance of the city, and it can also improve the living environment of everyoneOf course, not all urban villages will be demolishedSome of them will also be planned for reconstruction.
Either wayIn order to further promote the development of the real estate marketNow Guangzhou has legislated on the transformation of urban villages.
The second is to reduce the mortgage interest rateIt can reduce the cost of buying a house to a certain extent and relieve everyone's living pressure, which is undoubtedly good news.
Nowadays, many young people choose to go out to work, for the sake of work and for the sake of their children's future educationI will try to buy a house in the city as much as possible, but not everyone is in the high-income group.
Many families put their life savings out to buy a houseAfter that, he became a house slave and had to pay a high mortgage every month, in addition to the most basic living expenses.
When we lower our mortgage interest rate, it means we can pay less every monthOn the surface, this amount of money may not be high, but over time, you will find that you will pay off the mortgage in the end, and you will pay a lot less than the previous interest rate.
In fact, someone said before,Now we have entered an era of low interest ratesThe state is doing this in order to stimulate domestic demand and make everyone more motivated to buy a house.
The deposit interest rate has also been lowered in order to stimulate everyone's consumption and take out the money deposited in the bank and put it into the economic marketThis can drive the development of the economy and make the economic market present a virtuous circle.
In addition to this, the state has also lowered the down payment ratio, to take the simplest exampleBefore we bought a house, according to the down payment ratio, you also need to pay 400,000 yuanAccording to the current down payment ratio, only 300,000 yuan is required.
After the proportion is reduced, everyone's pressure to buy a house is not so greatThis is a sign that we can buy a house for lessThis also improves the marriage rate to some extent.
The state has also increased the amount of provident fund loansThese can effectively solve the most headache of young people nowIt seems that the Ministry of Housing has really made a bloody investment this time.
The third point is to support selling the old and buying the newThis is the same as the trade-in in the market now, the state supports the homeowner to sell the old house, and then the developer or ** buys it, and uses the money from the sale to buy a new house.
In this way, people can improve their quality of life, and when buying a new home, they can improve their quality of lifeThe relevant departments will also issue subsidies to homeowners, such as 10% in some areas of Nanjing.
This has greatly driven everyone's enthusiasm to buy a houseIt can also be a good way to save land resourcesIt is good for the people, the country or the enterprise.
From the various practices of the state, we can feel that the current property market is in adjustmentUnless you happen to have a rigid need, it is not recommended for everyone to stock up.
The Ministry of Housing has also repeatedly emphasized that the property market will enter a state of steady development in the futureIn other words, property prices should not rise and fall significantly in recent years.
After the state shot,This means that the previous bubble period of the real estate market is overIt is almost impossible to rely on property speculation to achieve asset growth.
The ultimate purpose of the country's various policies is to hope that the property market can return to stabilityAnd it will develop in the direction of recovery, which can stabilize the national economy and reduce the pressure on people to buy houses.
In order to stabilize the current property market,Policies of relevant departments have been introduced one after anotherNext, the property market may welcome two reductions, and everyone must pay attention.
The first is that the floor area ratio will be loweredMany people may be a little unfamiliar with this term, he refers to the ratio of the total area of buildings on the ground to the net land area of a community, which is simply the density of the construction area of the stairs.
Don't underestimate it,The level of the floor area ratio determines the initial cost of the construction of the old buildingIt also affects the comfort of everyone's residence, and the plot ratio in most areas was above 4 before.
If the floor area ratio is too high, it is easy to cause congestion in this communityIn 2005, Shanghai stipulated that the plot ratio of residential land should not exceed 25。
In recent years, the state has also put a lot of thought into this aspectAfter Shanghai's move, many cities followed suit, and the plot ratio was lowered in the new urban planning standards.
After the density of living is reduced, the environment of the community is improvedYou will find that the newly developed community in recent years has done a very good job of green facilitiesThis is because the floor area ratio is lowered, and there is more room to improve the public facilities.
In today's society, young people will consider the living environment in an all-round way when buying a houseThis has also become a criterion for the selection of a communityIt is also conducive to the improvement of the city's appearance.
Now Beijing, Hangzhou, Chongqing, Wuhan, etc., its floor area ratio has been reducedWuhan, its main urban area plot ratio shall not exceed 30, the floor area ratio of the sub-urban area shall not exceed 25。
It can be seen from thisLow floor area ratios have become a general trend, and this is not something that is implemented in individual areasIt is the state that has clear requirements in policy.
This policy has not affected the price of land, but the number of houses has decreasedThe profits of real estate developers have not been affected too muchThis is conducive to balancing supply and demand in the market.
The second is the reduction of the pooled area. Pooled area has become a commonplace topic, and many developers have been making it bigger and bigger in order to expand their profits.
The so-called shared area requires the owner to buy all these places at the same priceIn fact, the only area you can use is the houseAt present, the general shared area of houses is about 30%.
Many people have been calling for the abolition of the pooled areaAs the property market enters a period of adjustment, this issue has been re-raised, which has attracted great attention from the Ministry of Housing.
Now some cities have begun to implement it, and Guangzhou is improving the regulationsThe previously scheduled shared area will either be counted as half of the area or will not be included in the purchase area.
Buying a house is a big deal for peopleThe various new policies of the state in this area have a direct impact on the cost of our expenditureJudging from the existing situation, China's property market will become more and more beneficial to home buyers in the future.
Any field is in a process of continuous development and continuous improvementThe real estate market has a huge impact on people's lives, so the state has been gradually promoting various policiesThis has led to the normalization of the real estate market.