In April, the state introduced strict control measures, known as the history of the 10 new countries a combination of the most important boxing. Line around the city banks have begun operations, specify the appropriate policy to tighten lending. Meanwhile in Beijing, Shanghai with a corresponding surge in second-hand availability, but critically so few people used the phenomenon of price increase bargaining power.
According to Chinese news report MSN: Shanghai 21st Century Real Estate Data Monitoring Centre regional statistics show that the New Deal regulation was unveiled in the Huangpu, Luwan and other central city, the landlord mentality is still relatively stable, listing volume is still flat for the month. However, in Songjiang Sijing, Qibao Minhang, Baoshan Dahua, Pudong Zhangjiang other external plate, the customer is to reduce home Liang Jun, down 10% -20% range. Qibao in Minhang plate, in the 1-2 percent reduction in customers, basically for the replacement-type buyers. Inflection point and the price is expected to tighten lending conditions to promote such buyers to wait and see, and lead to 130-180 million in total between the two rooms and three rooms availability of transactions declined. Sijing plate in Songjiang, withdraw from the market in order to exchange-type buyers are mostly the same, mid-priced listings are closing down there.
Check out also emerged around the same time tide, on the one hand in the investment-off initiative to breach of contract, the other hand, improvement of housing as many of the down payment increases, resulting in inability to buy a house and forced to breach of contract.
We can see that the introduction of the New Deal housing demand caused rigidity, including for the first time home buyers and replacement to improve type, the wait and see. More stringent bank loan approval, then reduce the rigid requirements for approval by the rate of those loans. The Chinese real estate market after years of rising real real estate speculators have been making considerable profits rolling in money, in other words, they basically carried the affordable housing prices dipped slightly. Warren Buffett says that each low tide can see who is swimming naked. I want to say, every low tide, stranded strength is always a small fish, big long swim back to the deep-sea sharks.
I think that the state introduced the New Deal real estate, there are so few errors:
1. Effect across the board.
New Deal for each property, including the always produce uniform results. Banks to tighten loans, on the first, second and third housing loan will have a tightening measures. In this case, the rigid demands of those affected are always the greatest extent, as compared to rigid requirements are more dependent on real estate speculators off bank loans, and more care about the ratio of the first payment. Our policy should be the passenger in the inhibition of real estate speculators, while demand for home buyers to encourage rigid, so as to serve both block the effect of dredging.
2. Bank of the two suites of standard setting unreasonable.
At present, banks generally is defined as two suites, as long as you've had credit section, even if you do not have a house, you are even two suites. That is, only you do not have credit shall be considered over first-time buyers. This standard is extremely unreasonable, if I had bought the house three 40 square husband, and now work a few years a little savings, and would like to improve the look, just in front of the house to sell, to scrape together the down payment to buy a new house a little more . This time, banks are telling me that belong to the second suite, the same as down payment to 50%, lending rates should go up 10%. In this way, what would give up my beautiful house purchase plans because of cost increases too much. The real criteria should be in accordance with the family to determine the actual ownership of the house should not be judged according to the mortgage.
3. Housing market decline is always accompanied by the tightening of the mortgage.
For the rigid requirements in terms of the housing market downturn is that they purchased property on the best time, because this time house prices will fall back to a relatively reasonable price. But at the same, but tightened bank lending, because the whole society put house prices, as the interests of commercial bank reluctance to lend will naturally, increasing the need buyers to buy a house just the difficulty and cost. This low price even more difficult when the poor buy a house, without the need for loans rich, they are relying on customer investment in financial strength, information superiority can survive the low buy, sell high. Appears to have every drop in home prices is more to the rich concentration of wealth situation.
New Deal in this case, I think that housing prices has indeed taken to a certain effect. However, buy a house in addressing the issue of rigid requirements will have no achievements. This is because our government did not find out the real from the logical analysis of the problem. We have to solve the problem is: rigid demand (people) to buy the house they need, can not let the house is concentrated in the hands of wealthy real estate speculators off. The price is the problem caused by the surface results, rather than the essence of the problem. If the Government is able to identify clearly the thing, I would like to make a fuss about blindly in the price above the flavor a little bartering.
The problem is supply and demand market, the largest main line, when a commodity is concentrated in the hands of the wealthy rather than ordinary people's hands when the price of this commodity will go up. Because it is these wealthy speculators supply and demand imbalance caused the situation. The most effective way is "Robin Hood", that is very difficult to buy a house for the rich, the poor can easily buy a house, this way, the price naturally will slowly tend to be reasonable, entered a virtuous circle.
It would seem that only non-residents (not tax nor pay money) not to give loans that can really play a role in inhibition of speculative real estate speculators.
I therefore ideal property policy seems to be this: the first suite, two suites define the physical possession of property should prevail. The first suite, 2 suites down payments should be lower, interest rates should be the appropriate step by step concessions. Three suites of loans for very severe tightening measures to take.
Sparse block both, iambic line is the king of the road!
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