Using housing to support loans is also a method used by many real estate speculators. For example, to buy a house in a first-tier city, the monthly mortgage loan may cost 10,000 to 20,000 yuan, and then when renting a house, the monthly rent is also 10,000 to 20,000 yuan. The money is just enough for him to finance the loan with his house, so that he will not have any pressure, and he will be able to own a property in his own name in 30 years.
The most important thing is that they can use high leverage to use the rent collected to buy a house. So what will happen? In our country, 96% of families own one house, 41.5% of families own two or more houses, and 10.5% of families own three or more houses. What does this mean? It shows that we are very keen on buying houses, and it shows that many of our families have been hoarding houses.
It’s hard to imagine that today, with high housing prices, there are still many families who own two or three houses. Let’s put it this way, buying a house in Beijing, Shanghai, Guangzhou and Shenzhen requires at least 6 million to start. In second- and third-tier cities, a good house costs two to three million, while a poor house costs more than one million. Buying a house in fourth- and fifth-tier cities costs more than 1 million, or hundreds of thousands, and the area may be relatively small. Buying a house in a small county in the 18th tier, like our county, costs more than 1 million, but the wages in our county are generally Between 2,000 and 3,000 yuan.
So for those who have not yet bought a house and bought a car, the current house is definitely out of your reach. If you empty 6 pockets, spend all your savings, and overdraw your income for the next 30 years, it may be difficult to live in it. Buy a house in Beijing, Shanghai, Guangzhou and Shenzhen.
So what to do? Many people hope that we can introduce a property tax as soon as possible and use it to adjust the current excessively high housing prices. In fact, the pilot work on real estate tax reform was passed on October 23 last year. The pilot work on real estate tax reform and has been carried out in some areas. It is estimated that it will take a long time to be fully implemented.
Affected by these news, in fact, the current real estate industry is not optimistic and is also very sluggish, especially so far this year. In January this year, there were only 163 cities where house prices fell month-on-month, and 149 cities where house prices increased month-on-month. So overall, the number of cities with falling house prices this year has increased by 43.26% compared to the beginning of last year. All data from the CRIC Research Center also shows that among the top 100 real estate companies in January this year, 20% of them had a year-on-year decline of 30%. %~40%, 40% of real estate companies have experienced sales declines of more than 40%.
What I have said so much is to tell you that high housing prices may not last long. We will slowly squeeze out the bubble inside and let the houses Returning to its original attributes, in all cognitions, it is necessary to let him know that the house is for living in, not for speculation, so the landlord tax is here. Pilot work is currently being carried out in three provinces, respectively. They are Hebei, Hunan and Yunnan.
I won’t go into the details here. If you are interested, you can check it online, because if you talk too much, this article may not be published. Next, we will focus on these three provinces. After the landlord tax is introduced, which two types of people will have to pay more taxes, and which two types of people will have trouble sleeping?
The first category is house speculators, or house hoarders who own multiple houses. Why are they? As property taxes and landlord taxes are gradually extended across the country, those who own a large number of houses will have to pay more taxes. In order to avoid paying more taxes, they will sell a large number of houses in the second-hand housing market. At this time, housing prices may still fall, and it will also cause many people who hold multiple houses to suffer increasing losses. .
Especially now, the entire real estate market is in a slump, and the oversupply of real estate market has gradually been exposed. In the future, not only developers, but also those who own multiple houses will find it difficult to sell their houses. They will have to spend more money and pay more taxes, and the houses will also rot in their hands.
The second type of people are those who want to get a rent-to-support loan, those who hoard houses. If the landlord tax is promoted nationwide in the future, the rental income of these home buyers with rent-to-support loans may decline.Moreover, many places across the country are actively promoting low-rent housing, public rental housing, and shared property housing . It is to solve the current problems of expensive, difficult and high renting costs. If landlords still want to pass on all taxes, such as landlord taxes, to tenants, that is just wishful thinking.
So people who cannot afford to buy a house in the future will definitely be able to afford a house. People who rent a house can definitely rent a house at a low rent. Home buyers who want to get rich through real estate speculation and rent to finance their loans will have increasingly difficult times in the future. What do you think? Let’s discuss it together in the comment area.
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Moreover, many places across the country are actively promoting low-rent housing, public rental housing, and shared property housing . It is to solve the current problems of expensive, difficult and high renting costs. If landlords still want to pass on all taxes, such as landlord taxes, to tenants, that is just wishful thinking.So people who cannot afford to buy a house in the future will definitely be able to afford a house. People who rent a house can definitely rent a house at a low rent. Home buyers who want to get rich through real estate speculation and rent to finance their loans will have increasingly difficult times in the future. What do you think? Let’s discuss it together in the comment area.
Note: The article is forwarded by the video, sorry for typos!
reprint, plagiarize, and clean the manuscript without permission, protect your rights according to law!
(pictures are all from the Internet, if there is any infringement, please contact us to delete them)
