Rebirth 09: Buying a house with a baby UP owner

"Mei Hui, did you read today's news? Something big happened!"

News in the sister group exploded early in the morning. Everyone was sharing the same news. The strictest real estate market control policy was introduced.

On April 2010, 4, in order to curb the rapid rise in housing prices and severely crack down on all kinds of real estate speculation, banks restricted housing loans to those who owned two or more houses, and set very strict regulations on the size of the houses.

The down payment for the first house less than 90 square meters is more than 30%, and the down payment for the second house less than 90 square meters is more than 50%. The loan interest rate is 110%. The housing loan for the third house is suspended.

The reason why 90 square meters is used as the standard is because most of the houses in this range are one-bedroom and two-bedroom, which is what people just need. Houses that exceed this standard are improved houses. Since they are not needed for daily life, they naturally need to be increased. Corresponding threshold, leaving money to those who need it more.

This policy is the same as what Zhong Meihui saw in her previous life. Many half-hearted experts have come out to make alarmist remarks, saying that the turning point of the property market is coming. The country will rebuild shantytowns and build a large number of affordable housing. By then, housing prices will It will plummet, and people who don’t have a house now are laughing.

When Zhong Meihui saw this news in her previous life, she was not disturbed. She had no money or real estate, and had no plans to live away from her hometown. No matter how much the housing prices in the city increased, it seemed to have nothing to do with her.

But when she saw the same views again in this life, she felt that these people's views were very naive, and they were completely based on the views of why people should not eat minced meat.

Whether in the past or in the future, owning fixed assets is the best choice to resist risks, and people without houses are truly homeless. Not only do they face a homeless life every day, but they also face housing prices that may rise at any time. Rent, and there is no way to cash out fixed assets when encountering some emergencies, all are disadvantages.

What's more, as long as the house in your hand is not sold and the loan is repaid on time, even if there is a short-term drop, you can keep it in your hand until the day when house prices rise again. But if you don't have a house, once the house prices rise, you can still afford it. People who have made a down payment may not even be able to come up with the down payment, and their final outcome will only become more and more miserable.

But the opinions of those experts made the members of the sister group very worried. They felt that the situation was changing too quickly, and they were afraid that the houses in their hands would fall sharply. After all, they bought them with loans. If the house fell sharply, they would probably be unable to make ends meet. , becoming a negative asset.

The people in the sister group are not professional investors. They are ordinary people from ordinary families. They suddenly obtained so much property before, and everyone was very excited. Now they are suddenly poured with cold water, and everyone is like It was a drowned rat soaked in the rain on the roadside, shivering in the cold wind, and very scared.

Zhong Meihui felt that their ability to withstand pressure was really poor, and they were worried that they would end up like this after just introducing a policy. What would they do if various restrictive clauses were to be issued frequently in the future?

Zhong Meihui feels that if there is an opportunity in the future, everyone should practice. When can they become calm and calm, when can everyone truly become a master?

"Sister Meihui, will the houses in the future really be like what experts say? There will be fewer and fewer people who can take over them. After all, after restricting loans, many people cannot afford to buy a house at all."

Everyone in the sister group knows very well that now you have to rely on a loan to buy a house. Otherwise, most people will not be able to afford this house based on their personal abilities.

"That's right, why don't we sell the house we have? At least we can ensure that there will be no problems with our future repayments."

Everyone is frightened by the alarmist news. They are afraid that their house will be lost and they will not be able to get their down payment back, and they will fall into poverty again, or even be heavily in debt.

This sense of fear has caused them to lose their initial judgment, and they can only place all their hopes on Zhong Meihui.

She has always been everyone's anchor. As long as she says the property market is stable, they are willing to believe her and continue betting.

“You don’t have to believe what those experts say. It’s true that the property market will experience certain turbulence after the introduction of new policies. However, everything in the world is rare and expensive. The harder it is to buy something, the more people want it. Otherwise, those luxury goods If the product is a limited edition, there won’t be so many people grabbing it.”

Zhong Meihui posted an emoticon in the group with a big word "rising" written on it, which meant that she was extremely confident in this matter and had never worried about the falling housing prices.

She asked everyone to repay on time and maintain their creditworthiness. As long as there is no problem with this matter, the bank will not repossess the house.

What's more, the stock market is doing very well now, and their monthly income is enough for them to pay for the loan.

"But in 97, there was a bubble crisis in the property market. It was not obvious here, but the decline in Xiangjiang was severe. Many people went bankrupt and jumped off the building."

Fan Xiang had the most real estate in her hands, so she was naturally worried the most. When she saw this news in the morning, she specifically found out about the real estate bubble in Xiangjiang back then. She found that at that time, the stock market and property market fell at the same time, and many people suffered serious losses, becoming With negative equity, they even had to file for bankruptcy.

"What happened in Xiangjiang is not the same as what we encountered today. Xiangjiang is just a small area, and mainlanders cannot buy houses there at will. It is not easy to digest so many houses by themselves, but the scope of the mainland is very large. And everyone wants to move to big cities like Beijing. In such big cities, there will be many more people in need of houses than in other places, and housing prices will not fall."

Zhong Meihui knew what happened to the property market later. Behind the short-term decline, it meant a faster rise. Moreover, the stricter the purchase restriction policy, the greater the rise in the property market. Especially in 2016, the price more than doubled.

During this period, the property market not only restricted loans, but also restricted the qualifications for home purchase. Without a household registration and proof of continuous payment of social security, no matter how much money you have, you will not be able to buy a house in the capital.

Other cities have also introduced corresponding measures to control the number of real estate units in people's hands. Perhaps in the eyes of others, once the qualifications for home purchase are controlled, it means that no one may take over the house in their hands.

But in fact, everyone’s enthusiasm for buying a house is far beyond imagination, and due to the huge population base and floating population, there are many people who meet the purchase conditions. However, the capital is a place where land is at a premium, and the amount of land in the city is limited. Even if it is later As real estate development continues, they can only go to remote places such as suburbs. The houses in their hands in the city center will not fall.

At this time, Liu Yiyu, who was in Beijing, also sent good news. The average price of the community they purchased had reached 4 yuan per square meter, and it was still rising.