House price problem? The trend of house prices?

If we talk about real estate, I believe many people have some understanding of it. China’s housing prices have been on an upward trend. The government has been taking measures to prevent them from rising too fast. However, from these few years Judging from the trend of housing prices in recent years, there have been repeated increases. Rising housing prices are a headache for people who buy houses. Today, the editor will give you a detailed explanation on the issue of housing prices.

House price problem?

1. The overall national economy is developing healthily and rapidly. Judging from this table, China's economic aggregate has nearly tripled in this decade.

2. China’s inflation and the purchasing power of RMB have declined.

3. Flexible application of regulatory policies in the market. From a national perspective, various measures are taken to regulate housing prices, such as raising interest rates, increasing tax rates, restricting purchases, etc. However, in actual operation, these taxes and fees that should be paid by sellers are passed on to buyers in disguise, thus continuously raising the price. house prices.

4. With the acceleration of urbanization, the demand for rigid and improved housing has increased. As China's urbanization accelerates, rural youth move to cities, and their urgent need for housing is a strong force. At the same time, in the process of urbanization, citizens' economic conditions have improved, and they have also put forward higher requirements for improved housing. Compared with rigid demand, the economic strength of improved housing is stronger.

5. Government land auctions, prices are constantly refreshing. As a government, auctioning land is a major source of government revenue. Inflation, steady growth of the national economy, and the scarcity of land resources have caused real estate prices to remain high and floor prices to continue to rise.

6. The government does not dare to exert too much effort to control housing prices. High housing prices are not a comprehensive social problem. If housing prices rise too slowly or fall, houses cannot be sold, developers will go bankrupt, and banks will have dead debts. At the same time, the unemployment rate will increase significantly and social instability factors will increase significantly. This series of issues must be considered by the government.

What is the trend of house prices?

First, domestic speculative home buying demand is ebbing. This round of real estate regulation began in early October last year. After a year of continuous real estate regulation, speculative home buyers have either been hit hard or have chosen to quit.

In just this year, speculative home buyers withdrew from first-tier cities and entered second- and third-tier cities to buy houses, causing housing prices in some hot cities to start to soar again. Around October this year, governments in various hotspot cities launched sales restrictions one after another (with a lock-in period of 3-5 years), which completely stifled short-term speculative demand.

Second, in addition to regulatory tools such as purchase restrictions, sales restrictions, and loan restrictions, the increase in mortgage interest rates has also discouraged speculative home buyers. At the beginning of this year, mortgage interest rates were still at a relatively low level in history, but now major banks have not only canceled the 20% and 10% discounts on mortgage interest rates, but also pushed personal mortgage interest rates above 20% of the benchmark interest rate, which has increased the cost for home buyers. substantial increase. As interest rates in the housing market continue to rise, both developers and home buyers feel that the direction of the market has really changed.

Buying a house has always been a hot topic for people to discuss. There are many issues that need to be understood when buying a house, and the issue of house prices is more important, because house prices are rising at any time, which makes many people think. People who want to buy a house are deterred. If you have the idea of ????buying, you should always pay attention to the trend of housing prices, so that you can know when the time is right to buy a house and buy a good house at an affordable price.