These two days the property market came to the news, Quzhou City, Zhejiang Province canceled the purchase restriction and restriction on sales, before the foreigners to buy a house in Quzhou need 1 year of social security, individual tax payment certificate, enterprises can not buy a house, large apartments can not be sold within 5 years, according to the recently promulgated policy of Quzhou City, after the foreigners, enterprises in Quzhou to buy a house will no longer have various restrictions, and locals are the same. Coincidentally, Qinhuangdao City, Hebei Province, also relaxed the regulation of the property market in these two days, and buyers only need to provide their valid identity documents to apply for the verification of housing qualifications.
Quzhou and Qinhuangdao are typical third-tier cities, let's look at the second-tier and provincial capital cities, the interest rate of the first home mortgage loan of the main financial institutions in Wuhan was reduced by 5.2%, down by 0.43%, and the interest rate of the second suite mortgage loan was reduced by 5.4%, which was reduced by 0.48%. In addition, Zhengzhou, Harbin, Qingdao, Fuzhou and other second-tier and provincial capitals have also begun to relax and relax the regulation of the property market.
What should we all do next? Buy or sell?
Long-term house, hurry to sell
The price of any commodity is determined by the relationship between supply and demand, and if the supply exceeds the demand, the price will fall, and if the supply is seriously greater than the demand, the price will plummet. If demand exceeds supply, the price will rise, and if the demand is seriously greater than the supply, the price will skyrocket, and the house is no exception. Will the population be more and more in the future, or will it be smaller and smaller? Is the population getting younger, or is it getting older? I believe I don't need to say it, everyone knows it.
In many places, especially in third-, fourth-, fifth- and sixth-tier cities, second-hand houses are very difficult to sell, and sometimes there is no group of customers to see the house for half a year. Take advantage of the relaxation and hurry to sell, this may be the last chance to ship. If the regulation is relaxed and house prices can still rise, it will be even better, high shipments.
And there is also a point to note that the house is a very poor liquidity asset, the sale of the house is a long time, as little as 3 months, more than half a year, 1 year. After signing the contract, going through various procedures, and then paying the seller at the bank, it is estimated that it will take another 3-6 months. When you really need money urgently, you will find that the house will not be cashed out at all for a while and a half.
Just need customers, bite your teeth to buy it
For just need customers, such as the son is anxious to marry the daughter-in-law, the girl who does not buy a house will not get married, or the child is in a hurry to go to school, there is no way, a word "buy", after all, the son gets married, the child goes to school is not affordable, missed may be missed forever, going to school, marrying a daughter-in-law This matter is a hundred times more important than spending a few more money.
For example, my hometown in jiangxi countryside, more men and less women, the imbalance between men and women is very serious, there is a house in the county is the lowest threshold to enter the marriage market, it is not easy to have a girl to look at her son, you said that the future house price will fall not to buy, let the son play a lifetime of bare sticks, that is definitely not OK, right.
For example, children go to school, the age of primary school is 6-12 years old, junior high school is 12-15 years old, the county's educational resources are definitely better than rural areas, and the educational resources of first- and second-tier cities are definitely better than those of third- and fourth-tier cities.
Therefore, just need customers or bite their teeth to buy it, after all, some things can not afford to wait, missed may be missed forever. Especially for local customers who do not have a hukou, seize this policy window. Once the policy window closes in the future, it may have to wait for many years, or it may not wait for many years. Especially now that the interest rate of housing mortgage loans in some places has been lowered, the interest can also save a sum of money, although the money saved is not a lot, but the mosquito is small and meaty.
Invest, speculate, stop, stop, stop
For friends who still have the idea of investment and speculation, dispel this idea as soon as possible, and now investing and speculating in houses is purely a high-level takeover. The population is getting smaller and older, who will buy the house you bought in the future? This question must be figured out. If no one in the back takes the house out of their hands, then we are likely to be the last to take over the house.
The sword of real estate tax Damocles has always hung over the heads of investment speculators, and this must not be forgotten, originally last year the Standing Committee of the National People's Congress had authorized the State Council to carry out real estate tax pilots in some areas, but only because of this year's economic difficulties and stable growth pressure, the Ministry of Finance suspended the collection of real estate taxes this year, pay attention to only suspension, this year does not collect, next year will also be collected, next year will not be collected, the next year will also be collected, not collected in the next year, not collected is temporary, the collection is long-term.
Everyone thinks about it and understands that in the past, the localities mainly relied on the sale of land, and after the house was saturated, the house was not easy to sell, and it was necessary to find a long-term meal ticket for the local government to replace the income from the sale of land as soon as possible, otherwise the salaries of civil servants and teachers in many places could not be paid out, and the real estate tax was such a perfect substitute.
Whether it is investment, or speculation, the house in hand will be a tax voucher in the future, of course, 1 or 2 sets of houses from which they live, do not worry too much, there will definitely be exempt area in the back.
For investment, speculation, there are only 3 words, stop, stop, stop, important things to say three times.
For those who just need to buy a house, I have three suggestions
This year's economic difficulties, many small and medium-sized enterprise owners, businessmen under great pressure, we go to the business owners, businessmen more in the community around, more to find these communities of real estate agents to chat, it is likely that there are cheap houses to pick up. Those old men, old ladies and wage earners are mostly in the community, cheap houses are estimated to be less, after all, they do not start a business, do not speculate in stocks, do not rush to use money, the house is slowly sold, can afford it.
Try to buy second-hand houses, existing houses of developers, do not buy off-plan houses. Last year, a large debt default event was boiling, and a few days ago, a certain 4 billion bonds were extended. What is an extension? It is a deferred payment with the consent of most of the creditors. It should be known that a large and a certain creation is a well-known housing enterprise in the top ten, and a certain large one also ranked first, pressing on Vanke, Poly, Country Garden, etc. In fact, the housing enterprises with tight capital chain are far more than a certain large and a certain creation, such as Mr. Yao, the chairman of a certain energy, and the market was once rumored to be "missing".
On the one hand, the new house may be due to rush work, insufficient funds and other reasons, the quality of the building declined, this is not the most serious, the most serious is the bad end, can not pay the house, the buyer's down payment to the developer, or come back, but also to the bank to return the monthly payment, can not cut off the supply. If the supply is cut off, one is that the personal credit is completely lost, and the future officers will be greatly affected by the officers' entrepreneurship, the second is that the bank is blacklisted, and what to do in the future is not to think of borrowing a penny from any bank, and the third is that every penny earned and every asset purchased in the follow-up will be enforced by the bank, the price may be much lower than the market price, and the wage income itself will not be seen in the future, and when the money reaches the card, it will be automatically crossed out by the bank in an instant.
There is a lot of room to bargain. Now many places second-hand houses are very difficult to sell, due to the epidemic and other reasons, many people, especially in business, do business, Internet companies, education and training institutions have been laid off and reduced wages, many have almost been unable to hold on. Of course, this is really a bit of a danger to people, if the seller is not a stock speculator, the bargaining can be stopped, after all, everyone is an ordinary ordinary people, it is not easy.
New houses are also, many developers capital chain is extremely tight, will certainly take advantage of the release, relaxation of regulation, vigorous promotion, push the disk, discount should not be small, in addition to the discount, should also be able to bargain, especially the full purchase of a house, bargaining space is larger, thicker face, should be able to grind out a good price.
Today we will talk about here, follow-up we will also be in the food and beverage industry Wuliangye, Haidilao, Yihai International, Anjing Food, Yanjin Shop, Tao Li Bread, Absolute Taste Food, Luzhou Laojiao, Yili Shares, Angel Yeast, Zhongju High-tech, Qianhe Flavor Industry, Qiaqia Food, Fuling Juice, Tsingtao Beer, China Resources Beer, Chongqing Beer, Shuanghui Development, Yanghe Shares, China Feihe, Chenguang Shares in the Student Stationery and Office Supplies Industry, Zhongpet Shares in the Pet Industry, Ping An of China in the Financial Industry, China Taibao, Hong Kong Stock Exchange, CITIC Securities, Huatai Securities, Industrial and Commercial Bank of China, China Construction Bank, Industrial Bank, Ping An Bank, China Merchants Bank, Midea Group, Xiaomi Group, Luxun Precision, Haier Zhijia, Suber, Goertek Shares, Coworth, Zhejiang Meida, Industrial Robots and Lasers and other high-end equipment industries such as Eston and Ruike Laser, China Zhongwai and Songcheng Performing Arts in the domestic tourism industry, Zhengbang Technology and Biological Shares in the pig breeding industry, Zhongshun Jierou and Hengan International in the health care industry , Vinda International, Blue Moon Group, China Software, ArcherMind Technology, Yonyou Network, Guanglianda, Weining Health, Hang Seng Electronics in the film and television entertainment industry, Mango Super Media, Light Media, Wanda Film, Huace Film and Television, China Film, Sports fitness and textile and apparel industry Li Ning, ANTA Sports, Bosideng, Hikvision and Dahua in the security industry, Tongce Medical in the medical service industry, Aier Ophthalmology, Hygien Medical, Jinyu Medical, Jinxin Reproduction, Meinian Health, Minimally Invasive Medical, Mindray Medical, OPCOM, Lepu Medical, Dabo Medical, iKang Medical, Minimally Invasive Robot, Zhenghai Biologics, Jianfan Biologics, Hengrui Pharmaceutical, Beigene, Beida Pharmaceutical, Cinda Biologics, Kelun Pharmaceutical, China Biopharmaceuticals, Hansen Pharmaceuticals, CSPC Pharmaceutical Group, Gan&Lee Pharmaceutical, Iwu Biologics, Yunnan Baiyao, Changchun High-tech, Anke Biologics, Vaccine Industry Watson Biologics, Kangtai Biologics, Zhifei Biologics, Kangxino, Kanghua Biologics, CXO Industry, WuXi AppTec, Kanglong Huacheng, Yaoshi Technology, In vitro diagnostic industry Ed Bio, Antu Bio, Blood Products Industry Tiantan Bio, Hualan Bio, logistics express industry SF Holdings, Jingdong Logistics, funeral industry Fushouyuan and so on to exchange.
If this article is helpful to you, help me to "follow" + "subscribe" + "like", but also "share" to more friends. Please indicate the source of the reprint.
The article only records my own feelings and experiences after studying and researching, and does not constitute any buy and sell recommendations, investment is risky, and you must be cautious when entering the market.