The central bank once released a data that the average household assets of urban households were as high as 3.17 million. Many people were surprised. When did I become so rich? Was I an average?

Central Bank once released a data that the average household assets of urban families were as high as 3.17 million. Many people were surprised. When did I become so rich? Did I be averaged? In fact, among these 3.17 million assets, houses alone account for 75%. The remaining ones may be deposits, cars, stocks, and financial management. The rise in housing prices is happy and sad. Those with houses are complacent, the assets are more, and those without houses are sad. The cost of buying a house is higher, and the debt will also rise accordingly.

In the second half of last year, the real estate market rarely ushered in a downward trend, and it is not an isolated case, but it is universal. In order to prevent the decline of housing prices, some cities even issued a decline limit order to restrict the decline of housing prices, but the rise limit may not not rise, and the fall limit may not fall. Industry insiders analyzed that in the next two or three years, housing prices may continue to decline trend, and three factors can see the clues.

First, housing is well-known for living, not speculation, houses are in the hearts of the people, after all, houses are commodities, serving people's livelihood industry, and are related to people's happiness index. If there is endless rise, everyone can't afford a house. Even if they can afford it, they will have to bear high debts, which seriously affects the happiness of life and squeezes the real economy. The country will not neglect other industries because of one real estate industry, so the regulation in the general direction will not be relaxed.

Second, housing is serious oversupply. As mentioned earlier, houses are commodities. Since they are commodities, they must follow basic economic laws. When supply exceeds demand and housing demand is seriously insufficient, housing prices will lose the basis for rising.

Third, although the impact of real estate tax has not been implemented yet, from the perspective of pilot cities, real estate tax will curb housing speculation and increase the housing cost of real estate speculators. Currently, Shanghai and Chongqing are piloting. In the future, as the property market returns to stability, it will promote the property tax pilot again, and it is not impossible to popularize the country.

To sum up, the future housing prices may not be as exaggerated as Jack Ma said. House prices are like onions, but it is certain that speculation in housing is not profitable. Last year, the national commercial housing price rose by 2.8%. This year, The Academy of Social Sciences predicted the highest increase of 3%. This is not as high as the bank's deposit interest rate. If the interest cost of buying a house, various taxes and property fees, the profit margin is almost zero.