In recent years, there has been an intensifying debate about whether pre-sold homes should be cancelled. The pre-sale system, as a common sales model in the real estate market, has both its supporters and staunch opponents.
The pre-sale housing system provides financial support for the development of the real estate industry for a certain period of time and accelerates the process of real estate development. By pre-selling houses in advance, developers can quickly withdraw funds for subsequent project construction, thereby improving the efficiency of the use of funds. At the same time, pre-sale housing has also increased the supply of housing to a certain extent, meeting the needs of some buyers for future housing.
However, the pre-sale system also brings a number of problems. First of all, there is a greater risk for home buyers. During the pre-sale phase, the buyer pays for the house but does not get the house immediately. If the developer has a broken capital chain and the project is unfinished, the buyer will face huge losses. Secondly, the quality of pre-sold houses is difficult to guarantee. Since the house has not yet been built, buyers can only imagine the future house based on the drawings and promotional materials provided by the developer, and there may be situations that do not match expectations when the actual delivery is made, such as shrinking house size, imperfect supporting facilities, poor construction quality, etc. In addition, the pre-sale housing system is also prone to trigger a bubble in the real estate market. Developers tend to over-market during the pre-sale stage, inflating house price expectations, thereby driving unreasonable price increases.
From the perspective of market fairness, there is an obvious asymmetry in the relationship between the rights and obligations of buyers and developers in the pre-sale housing system. Buyers take on a huge amount of risk and uncertainty, while developers largely take the initiative. This asymmetrical relationship is not conducive to the healthy and stable development of the real estate market.
All things considered, the pre-sale system should probably be phased out. Of course, this process needs to be gradual and cannot be achieved overnight. Before the abolition of the pre-sale housing system, it is necessary to strengthen the supervision of the real estate market, regulate the behavior of developers, and protect the legitimate rights and interests of home buyers. For example, strengthen the supervision of pre-sale funds to ensure that the funds are used for project construction; Increase the penalties for developers' violations and increase the cost of violating the law.
At the same time, the government should also increase the construction of affordable housing to meet the housing needs of low- and middle-income groups and stabilize the supply and demand relationship in the real estate market. In terms of financial policy, it is necessary to strictly control the scale of credit in the real estate industry to avoid excessive capital inflow and triggering a market bubble.
The abolition of the pre-sale housing system is a major reform of the real estate market, although it may have a certain impact on the real estate industry in the short term, but in the long run, it is conducive to the establishment of a fairer, more transparent and healthy real estate market, promote the sustainable development of the real estate industry, and enable the general public to realize the beautiful vision of "home ownership".
In short, the survival and disposal of the pre-sale housing system needs to comprehensively consider all factors and weigh the pros and cons. On the premise of ensuring the stable development of the real estate market and the legitimate rights and interests of home buyers, we should make decisions prudently and promote the real estate industry to a more standardized and healthy development path.