I think it is better for young people to rent a house. Because buying a house is relatively high, it is still under a lot of pressure for young people who have just started working. Moreover, young people are not very stable in their jobs and are not sure which city they will work in in the future. It is not advisable to buy a house too early and limit themselves to one place. If you need to buy a house, I hope the following can help you:
2022 New mortgage policy
1. Currently, bank housing mortgage loans are divided into own real estate mortgage loans. The loan interest rates of the two are different. The interest rates of mortgage real estate mortgage loans are usually higher than those of own real estate.
2. The actual interest rates implemented by different regions and banks are also quite different. However, the actual interest rates are generally based on the benchmark interest rate and are implemented with a certain proportion, which is roughly increased by 10%-50%.
3. Since the central bank cut interest rates on October 24 last year, the latest benchmark interest rate currently implemented by banks is: the interest rate for loans below one year is 4.35%, the interest rate for one year to five years is 4.75%; and the interest rate for more than five years is 4.9%. In 2022, banks will also implement this benchmark interest rate. As for the actual interest rate for an individual to apply for a housing mortgage loan, banks generally determine it based on the borrower's comprehensive qualifications, housing status, etc.
2022 real estate policy
1. Ministry of Housing and Urban-Rural Development: It will open a new real estate development and operation model, abolish the "3 high" old model
In order to prevent the depletion of cash flow and the capital market has suffered serious setbacks, the Ministry of Housing and Urban-Rural Development directly issued an announcement: The previous law of "high debt, high leverage, high turnover" will be broken and abolished, and starting from 2022, it will face a brand new housing sales model. As soon as the topic comes out, it indicates that the rapid era of the real estate industry will no longer exist.
2. Ministry of Finance: Starting from 2022, real estate tax may enter a key pilot period, and the expansion of pilot cities is imperative
Since entering 2021, there have been more and more news about real estate tax, and the signal of issuance has become stronger and stronger. According to the Ministry of Finance, on December 27, at the national financial work video conference, the Ministry of Finance clearly mentioned: Deepen the reform of the fiscal and taxation system, deepen the reform of the budget management system, and make good preparations for the pilot project of real estate tax. According to incomplete statistics, this is the seventh time that the country has mentioned work related to real estate tax legislation in 2021. Among them, on December 13, Minister of Finance Liu Kun made it clear that on the basis of summarizing the pilot experience of real estate tax reform in Shanghai and Chongqing, combined with the new situation and new situations, further deepen the pilot project of real estate tax reform, and then the state will carry out legislation uniformly, and stipulate that the pilot time is 5 years.
According to the information released by the Ministry of Finance, the introduction of real estate tax is a foregone conclusion, and there is only a matter of time left to truly implement it. Moreover, in the next five years, real estate tax will enter a critical period. In the short term, in addition to Shanghai and Chongqing, it is imperative to expand the capacity of real estate tax pilot cities, and the country has obviously made preparations for the pilot, so it is expected that the pilot cities and implementation details will be issued one after another in 2022.
3, Central Bank : Support urgent needs and meet improvements. In 2022, the self-occupied group will usher in a more favorable credit environment. There are many factors that affect home buyers' home purchases. Mortgage is undoubtedly one of the key factors, such as mortgage approval, loan cycle, etc. In the past year, many people have been unable to obtain loans due to tightening mortgage policies and have had to postpone their home buying plans. On December 27, the People's Bank of China held a 2022 work deployment meeting and made the following statement on real estate: to steadily implement the prudent management system for real estate finance, better meet the reasonable housing needs of home buyers, and promote the virtuous cycle and healthy development of the real estate industry. On December 25, Minister of Housing and Urban-Rural Development Wang Menghui also said in an interview that it is necessary to ensure rigid housing needs, meet reasonable demand for improved housing, and strive to stabilize land prices, housing prices and expectations.
Comprehensive statements from the central bank and the Ministry of Housing and Urban-Rural Development both point to a common goal: to better meet the housing needs of self-occupied home buyers such as urgent needs and improve the housing needs.For the urgent needs and improvement groups, this is undoubtedly a very warm market signal. It is expected that the too tight mortgage policies in 2022 will be "corrected" and reasonable housing purchase demand will be released normally. At present, bank mortgage quotas are loose, mortgage interest rates are lowered, and loan loans are accelerated.
According to statistics from the central bank, at the end of November, the national personal housing loan balance was 38.1 trillion yuan, an increase of 401.3 billion yuan that month. In addition, in November, the interest rate of the first-home mortgage in 100 cities across the country was 5.69%, a decrease of 4 basis points month-on-month, and the interest rate of the second house was 5.96%, a decrease of 3 basis points month-on-month. In addition, in December, in 103 cities across the country, the average mortgage loan period had been shortened to less than 2 months. Overall, the credit environment of the real estate market will be further improved in 2022, and mortgage interest rates, loan cycles, etc. may be further optimized and improved for urgent needs and improved.
4. Central Bank: Play a role in meeting the needs of self-occupied living, renovation of old communities, housing rental, etc.
December 25-27, according to the statements of the People's Bank of China and the Ministry of Housing and Urban-Rural Development, "virtuous cycle and healthy development" will become the main goals of real estate regulation in 2022. Obviously, this means that traditional development models such as high leverage, high debt, high speed, and high turnover are gradually over. Not only that, under the regulation of real estate , the real estate industry will continue to leverage and reduce debt in the future. So, does this mean that real estate is completely lonely? Obviously not. All signals show that in the long run, the real estate industry will still make great achievements in the future, mainly reflected in the following three aspects:
First, the demand for housing such as basic needs and improvement is still strong. Data shows that the current urbanization rate of registered population in my country is less than 50%. Compared with the standard of more than 70% in developed countries, there is still a lot of room for development in the future, and it will still bring a lot of urgent needs and improvement needs. Secondly, as early as the end of 2020, the Ministry of Housing and Urban-Rural Development announced that the old renovation will gradually take over the shantytown renovation, and the renovation task of old communities built before the end of 2000 will be completed within five years. Third, for new citizens and other groups, the country has also stated that it is necessary to vigorously develop affordable rental housing and shared-ownership housing, and will increase support in finance, land, public services, etc.
Overall, under the goal of "virtuous cycle and healthy development", from 2022, real estate will play an important role in the above three aspects.
