Tell some friends stories about the house.

Recently, two things about economic policy have attracted people's attention.

The first is to release water, which has been said a lot recently. From strict deleveraging, I feel that I can catch my breath again; The other is the thrilling speech at the recent Politburo meeting, called "Resolutely curb the rise in housing prices". What do you mean? In other words, the water is released, but the policy should be strictly controlled, so that the water cannot flow into the real estate market. Not only can it not rise quickly, but it will not work slowly.

Therefore, it is not surprising that the Shenzhen property market has recently introduced the most stringent new regulations.

Let's talk about three short stories about friends and houses around us and look at the changes in Shanghai's property market in recent years.

Around 20 13, two newly-married young people are going to buy a house, and the down payment is just around 500,000, which is just enough to buy a house of10.5 million after deducting miscellaneous fees.

1.5 million, 30,000/flat in Central, just buy 50 flat; Suburb 1.5 million yuan/flat, half of the house, you can buy 1.000 square meters.

Two couples made different choices. Jingxiang's family chose a small house in the city, firmly believing that the transportation is convenient, the geographical position is superior, and there is room for growth in the future, while no one in the suburbs wants it, and the price is unlikely to move; Xiaomi's family chose a big house in the suburbs and thought the price was fairly cheap. The city has reached its peak, housing demand will shift from the city to the suburbs, and prices will rise in the future.

The small house in the city is close to work, but after adding a baby, it is obviously not enough; A big house in the suburbs is not too small to have a baby, but it's hard to be a dog when you go to work every day.

20 15, the real estate market skyrocketed, and everyone's houses appreciated. By the end of 20 16, the area within Central has at least doubled, the number of houses has risen to 70,000/flat, and the number of houses in Jingxiang has become 3.5 million. After deducting the loan of 1 10,000 and the original down payment, Jingxiang earned 2 million yuan with a yield of 400%.

In the area where Xiaomi is located, the house price has risen to 50,000/flat. Although the price difference with Jingxiang's house is bigger, Xiaomi's house has become 5 million because of its large size. After deducting the loan of 654.38+0 million and the original down payment, Xiaomi earned 3.5 million yuan with a yield of 700%.

Of course, it is meaningless to calculate these yields without trading, but it sounds happy.

In October, 2065438+0716543810, Shanghai issued a policy to make a down payment of 70% for the second suite. This doesn't sound special, but it suddenly seized the throat of second-hand housing transactions and quickly made Shanghai's housing prices lower. 70% is not particularly scary. It's about the definition of the second suite-as long as there is a mortgage record in the country, even if you don't have a house at all, you have to buy it again. This policy killed the dream of replacing customers in one fell swoop and frozen the second-hand housing transaction.

2065438+June 2007, after the New Year, Fei Da wanted to change rooms. He wants to hang a house for 6 million according to the quotation he saw on the chain home. When he really went to the offline store to hang the house, the little girl who received him told him that 6 million could not be sold at all, and the market price was about 5.5 million at most.

Fei Da lingered for a while and hung up 5.6 million yuan, thinking that there was still room for negotiation of 654.38 million yuan in case someone took a fancy to it. Because I am busy at work, I don't have much time to show people around. Xiao C specially rented a house that wanted to replace the community, vacated his house and gave the keys to the intermediary to show them.

As a result, after three months, there was no movement in the house. Fei Da was in a hurry and went to the intermediary to discuss what to do. The intermediary offered to reduce the price. After some hesitation, Fei Da reduced the price to 530.

Three months later, the house was still Fei Da's house, and then the chain turned over, and the neighbor's house was also priced at 5.3 million. Fei Da went to the intermediary, and the intermediary turned on the computer to show him the latest transaction price, only 5 million. Fei Da was shocked and felt a little uneconomical. When he got home, he quietly changed 530 to 5 10, thinking that his house was still good, there would always be a market and he could not sell it at the lowest price.

Just after the Spring Festival, the intermediary finally introduced the customer to talk about a single order, and the customer offered 4.8 million yuan, but it could be paid in one lump sum.

Fei Da quit, thinking of at least 5 million, which is the bottom line.

As a result, it almost became his best chance.

After that, the customers who came back were picky about the house that Fei Da was satisfied with, and the psychological price was unified below 490, so there was no one-time payment.

2065438+July 2008, Fei Da refunded the rent and got the key back from the agent, so he didn't sell it, hehe.

In 20 15, when Taozi first married Chaenomeles, Chaenomeles said that she must buy a house for her.

Shanghai stipulates that foreign hukou must get a marriage certificate to buy a house. Papaya showed Peach the money in her hand. When the money was enough, they went to get the certificate and looked around the house.

I have seen many houses, and the more I look at them, the more expensive they are, and there is no good time to start. In a blink of an eye, in March of 20 16, Shanghai introduced a new policy, and it took me five years to buy a house. Once they figured it out, they stopped looking at the house. By 20 18, social security can last for five years. Rent it!

In two years, I gave birth to a baby and raised a baby, all in a rental house.

Finally, on 20 18, the social security time was enough and the qualification was obtained. However, the property market has been falling all the way, and there is no improvement. If you buy a second-hand house, you will lose money, and you can't grab a new house at all. Papaya didn't want to buy a house.

Peach said, otherwise, we buy a suite somewhere else?

Papaya returned to her: I bought one set from other places, and I have a loan record. If I want to buy it in Shanghai in the future, I have to press two sets with a down payment of 70%. Do you think it's appropriate?

Peach asked again, otherwise, I bought it in full elsewhere?

Papaya back to her: buy it in full, occupy funds, and the house price will not rise, so I will not live. What's the plan?

Peaches think about it, but they are speechless. I was cruel, got a new salary and bought my favorite bag.

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