The real estate market this year can be said to be getting lower and lower. The main problem is that real estate companies are short of funds and choose conservative development. From January to August, the national real estate development investment grew negatively by 7.4%. Real estate companies have a difficult life, and the pressure to deliver the future housing projects in their hands is also doubled. It is not a good signal for the real estate market, which will lead to more people worrying that their hard-earned money is wasted and they dare not buy a house. Although there are many existing houses on the market, they are 20% to 30% more expensive than pre-sale houses, and the cost investment is high. Even if the houses increase value, they will not get much money after the sale in the future. Therefore, the current plan is still to revitalize everyone's confidence in buying a house.
After the meeting of the Political Bureau of the Central Committee in July this year clarified the "security and delivery of buildings" for the first time, on September 14, at the press conference on "China's Ten Years", the spokesperson of the Ministry of Housing and Urban-Rural Development once again stated that the maintenance and delivery of buildings is the primary goal. From the banking side, we are also starting to reduce the burden on real estate developers.
- First of all, , the three major policy banks in my country, , paid the first special loan for "guaranteeing and delivery of buildings" to Shenyang, Liaoning on September 22, allowing real estate companies to obtain working capital, and can continue to build houses and speed up the progress of delivering real estate to home buyers;
- Secondly, CCB announced on September 23 that it will set out to place 30 billion yuan in funds to surrender to the real estate market, and use it to acquire the existing assets of of real estate companies and transform it into rental housing.
The advantage is that when real estate companies are insufficient to build houses, banks borrow money from real estate companies and are not affected by the restrictions of the three red lines. Note that it is not a commercial bank, but a policy bank established by the state. The loan is also of a special nature, which means that it can only be used to ensure the payment of buildings and cannot be used blindly. It is different from commercial banks borrowing from real estate companies, real estate companies use it for other blind expansions, and some people are fed with their own pockets, etc.
Some banks purchase existing real estate from real estate companies, and these houses will not continue to occupy funds. After the developers recover the funds, they can continue to ensure the normal turnover of the company and continue to build real estate projects.
However, everything has advantages and disadvantages. Banks provide the bottom line for the real estate market. In theory, it is to help the market digest the suspension of housing and avoid the unfinished houses. However, in reality, it is easy to let real estate companies lie flat. They see that even if their funds are insufficient to complete and deliver the house, banks can help them input funds, which will inevitably make some real estate companies start speculating and continue to acquire land and develop. When they can't bear to cover them, they will ask the bank for help, trying to hand over all the pressure to the bank. Therefore, when implementing the implementation of guaranteed housing payment, there should be stricter systems to restrict real estate companies in the future, otherwise it would be put before the horse.
For urgent needs, should you still buy a house this year and next two years? If you buy it, will it be a loss or wise? I think we need to look at 52 :
First, the location of the house
online rumored that the former richest man Li Ka-shing said that buying a house depends on "location, location or location". Although people mainly engage in real estate business with investment nature, while ordinary people mainly buy houses for the purpose of living, I think the two are considered to be different to the same destination to a certain extent. The house has a good location, high living comfort, the surrounding roads are well-connected, and the basic supporting facilities are rich and high-quality, which can meet the living needs of people of all ages. You must change hands in the future. You have the advantage of surrounding resources, have strong confidence in selling the house and have a large audience, so you can get a good transfer price in the future.
Second, qualifications for buying a house
This year, many big cities have also relaxed or relaxed purchase restrictions and settled, including our well-known hot cities, Jinan, Kunming, Dalian and Zhengzhou. Most people scramble to enter big cities to buy houses. Rather than buying houses, what they buy is the value of the city. Big cities have greater appeal and are the national key development. By using this, a large amount of funds will be the first to enter these big cities.
is a large population, and there are a large number of graduates and job seekers pour in every year, requiring more resource support. For a house, the richer the surrounding resources, the value of the house is self-evident after the subway is built.After so many cities loosened the original real estate market policies to encourage real estate sales this year, my country's principle of real estate development is still to insist on living in a house rather than speculation. Then these loosened policies may be adjusted and removed from the shelves as the real estate market recovers. If you buy a house early, you can seize the opportunity before the qualifications for buying a house are relaxed. If you purchase a purchase later, the settlement restrictions will be restored, and it may be more difficult to enter the market again.
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