Rebirth: The Financial Giant

As time goes by, more and more people are paying attention, and the number of viewers in the live broadcast room is also increasing.

The host continued to start a new topic: We noticed that at around 8 o'clock this morning, the Science and Livelihood Fund issued a latest announcement, announcing that the foundation had obtained the national franchise qualification and more work details, including annual The budget was increased to 300 billion yuan, and major funding was provided for the medical and public health fields, education and other matters, which immediately triggered a positive and huge response in society and attracted much attention.

However, while receiving widespread heated discussion, it also triggered a lot of controversy. Some people in the industry believe that the Science and Livelihood Foundation's large-scale entry into the medical field has caused an excessive waste of public resources. There are even voices questioning the foundation's expansion in the medical field. The proportion is too high, which brings about concerns about regional private monopoly of medical resources. What does Mr. Lu think of this?

Lu Ming replied calmly and confidently: First of all, after obtaining the national charter qualification, the nature of the Science and People's Livelihood Fund has undergone fundamental changes. It is now a quasi-Guojia team institution. Behind it is the country's credit endorsement. This is why At this point in time, foundations have entered the medical field on a large scale, including the education field.

The most important thing is that the hospitals funded by the foundation can apply for medical insurance. For private hospitals, the drugs that cannot be applied for are exactly the drugs you want to apply for. The payment invoices of some hospitals cannot be applied for. Now most private hospitals You cannot apply for medical insurance, and the hospitals funded by the foundation are completely comparable to the tertiary-level public hospitals of the same level.

The Science and People's Livelihood Foundation has never been an organization with the purpose of making money. If the purpose was to pursue profits, it would undoubtedly be a complete failure. It has lost a small amount of 500 billion since its establishment.

When Lu Ming heard Lu Ming prefix a number as large as 500 billion with the word small, the host's expression was stunned.

Not only the host, but also all the viewers who watched the live interview were stunned.

So the live broadcast room became happy again.

Lu Ming also felt that the statement was a bit exaggerated, so he tried to correct it: Well... it is a bit inappropriate to say that it is a small amount of 500 billion, but the amount is not small after all... But if we say that the foundation has done something for society and people's livelihood, in recent years It has received widespread high praise and recognition from the public, and we believe that the development of the foundation is a great success.

The audience said bluntly: If it is such a monopoly, please be sure to increase the intensity of the monopoly.

This remark also received more likes and support from the audience.

The host then expanded: The Science and Livelihood Foundation has now announced that it will enter the two major fields of medical and education in the field of people's livelihood. What about the housing field? There is also a question about the real economy. Is real estate a financial market or a real economy?

As soon as these words came out, most of the ordinary viewers watching the live broadcast couldn't help but prick up their ears. At this time, everyone discovered that the content of the exclusive interview in the live broadcast room was actually closely related to their lives.

Although everyone knows that Lu Ming has nothing to say about the field in which the Science and Livelihood Fund does not enter, they still hope that people like Lu Ming can exert some influence in the property market.

Lu Ming nodded and said: This is a good question, and it is also a profound question. Whether a house belongs to the financial market or the real economy needs to be looked at separately. The residential attributes and property rights attributes of the house are separated. According to the residential attributes, it is definitely It belongs to the real economy.”

The host nodded.

Lu Ming further deconstructed: From a downstream perspective, if you don't move to a new home, it is unlikely to buy a new set of furniture, a set of home appliances, or do a major renovation. Without improving the housing, it is unlikely to upgrade or replace it. Furniture and home appliances should only be decorated in a very small proportion. From the upstream side, steel, cement, machinery and other industries are all affected by real estate. It affects steel, cement, machinery, home appliances, furniture, building materials, etc. In this field, the impact is really huge.”

If we look at the property rights of houses, it is also a financial market. Funds have driven the rapid rise in the price of commercial housing. Local governments have obtained a large amount of funds from selling land. These funds are used to build subways, parks, squares, office buildings, schools, hospitals, etc. , and promotes the growth of the real economy. So it is the two sides of the entity and finance.

Having said this, Lu Ming paused for a moment and then said: As for the foundation, it is indeed being studied internally, and it will definitely be entered in the future. There is no doubt about this. In fact, it is also being carried out in the comprehensive pilot project in Qixian County, my hometown. It has been tested and has been going on for almost two years, which is public rental housing, and it was put on trial in 2017.

The host smiled and said: When Mr. Lu said this, I remembered that public rental housing was also included in the annual people's livelihood hot words list that year.

The so-called public rental housing, that is, public rental housing, refers to the policy support provided by the state, the construction standards and rent levels are limited, and it is oriented to urban and lower-middle-income families who meet the prescribed conditions and have housing difficulties, newly employed workers without housing, and those who have stable employment in cities and towns. Affordable housing for rent by migrant workers.

Public rental housing is not owned by individuals, but by the government or public institutions. It is rented to newly employed workers, including some new college graduates, including some retired elderly and disabled people, at a price lower than the market price or affordable by the tenant. people, and some groups who migrated to the city from other places to work.

Lu Ming said solemnly: Currently in Qixian County, our public rental housing pilot project provides a rental demand below the market based on the housing standard of 30 square meters per person. According to the local economic level, it is 1.42 yuan per square meter per month. There is no Generally speaking, a couple applies for a public rental house with two bedrooms and one living room of 60 square meters, and the monthly rent is 85.36 yuan per month.

The specific price depends on the location and is determined by the local price reporting department. Different regions, different housing sources, and different rental prices, but the rent of public rental housing is generally higher than that of low-rent housing and lower than that of commercial housing.

The rent is relatively cheap, but the corresponding supporting facilities are provided, such as a kitchen stove, a range hood, a washing machine, and a bed and air conditioning in the room. You can buy it after five years of renting, and the price is based on the locally announced construction cost plus interest. The rent of the first five years can also be offset against the purchase price, but in the future, the house can only be repurchased by the local government or the original operating unit based on the purchase price plus interest, and cannot be sold to other third parties on its own.

This is what Qixian County is doing now. With the promotion of the Science and Livelihood Fund, the proportion of public rental housing in the local housing has expanded to 30%.

It is worth mentioning that the consumption power of Qixian County has increased significantly now. This is due to the release of a batch of housing funds. To put it more simply, the local people have basic housing security, which provides consumer confidence.

There is a saying in the market that confidence is more important than gold.

Of course, this also requires a change in publicity and guidance. Don’t worry about whether the house is yours. The future price increase of rent is linked to the bank deposit benchmark interest rate. Operators are not allowed to increase prices at will. In addition, public rental housing is derived from science and technology. If it is provided by public institutions such as the People's Livelihood Fund or the local government, you don't have to worry about being kicked out by the landlord while you are living there.

The host said: If low-priced public rental housing is promoted nationwide in the future, this will inevitably have a huge impact on the commercial housing market. For those who are the beneficiaries of multiple sets of commercial housing, their interests will inevitably be affected. , and this is a huge force, is it possible that it will hinder the advancement of public rental housing?”

Lu Ming shook his head and said: I don't think so. Most of the houses owned by commercial housing holders are in good locations. The purpose of promoting the public rental housing model is to practice that everyone has a house, and it is to protect the basic right of living for the public, so public rental housing is First of all, the location of the rental house is relatively inferior to that of commercial housing, and the supporting facilities are also relatively inferior to commercial housing, which is for sure.”

For example, if there are public rental housing in a very good location, the rent will not be low, because the land price cannot be lowered, and the operating costs are there. Secondly, you want to live alone in a large house of hundreds of square meters or even larger. Such demands have gone beyond the basics. Now that your right of residence is guaranteed, it’s up to you to work hard personally.”

Secondly, the probability of the price of commercial housing falling sharply in the future is low, but the probability of continuing to rise is also low. For the general public, they still have not been able to change their minds and still believe that buying a house of their own is the only way to do so. I feel at ease, but I believe this concept will change in the near future, and it won’t work if it doesn’t change, you can’t afford it.”

The melon-eating viewers in the live broadcast room called it true!

Lu Ming added: Naturally, everyone will give up the persistent idea of ​​owning a house. When most people in society have this idea, they will naturally enter the era of rent-seeking, so we must take the first step to ensure the availability of public rental housing. Supply, and at the same time, commercial housing holders also rent it out. The tenants are those who want to live in a house that is larger than public rental housing and has better facilities. Of course, they have to pay a rent that is relatively more expensive than public rental housing. Commercial housing holders can What’s wrong with collecting rent for a long time?”

Regarding the future housing rental market, from the perspective of living conditions and comfort, it must be commercial housing \u003e public rental housing \u003e low-rent housing. The corresponding rental price must also be that commercial housing has the highest rent, followed by public rental housing, and finally low-rent housing. .

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