When you are in the channel of Shuang Sheng, that is, the family's active income is on the rise, the house price is on the rise, and there is investment income, I suggest you make a good choice as far as possible and strive for a direct "change". At this time, it is more likely that "the bicycle has become a motorcycle".
2. Non-Shuang Sheng passage, it is recommended to leave room.
When it is in the non-Shuang Sheng channel, that is, the family's active income is in the unstable rising channel or the house price is in the insufficient rising channel, the investment income is not guaranteed, so it is suggested to leave room. Safety first, live today and meet the future. "windfall" and "accident", I really don't know who will come first.
Regarding the question that house prices need to rise in an all-round way, some netizens may ask, what is an all-round rise?
I'll explain it to you here.
If you invest in real estate with the consideration of maintaining and increasing the value of real estate, there is actually only one decision-making principle: don't lose money when buying a house.
If you don't lose money, the house price will have to rise, and the increase will be certain. If it is below this range, you will still lose money in buying a house.
Then the next question comes: what is the lowest range?
I will give you a formula for your reference. The lowest range is: annual GDP growth rate+annual inflation rate+annual urbanization rate.
According to the actual situation in China, it should be 6+2.3+ 1=9.3. In other words, house prices are rising by 9.3% every year, and buying a house is not a loss. So if we want to buy a house, we need to find a house that can support about 10% of the house price every year.
In addition, this growth rate should preferably last for more than 8 years (because at present, everyone buys auction houses, and it often takes 2-3 years from purchase to delivery, then 2 years to get the certificate, and then 2-5 years to sell, and it takes at least 6- 10 years from purchase to sale).
Now some netizens may ask: Can the growth rate after we buy a house reach 9.3%?
Let's have a look. At present, the national housing policy is "live without speculation". Its practical significance lies in the stable and healthy development of housing, and house prices can no longer skyrocket as in the past. Should house prices go up? It will definitely go up. In the military medal of GDP growth in China, it needs the rise of housing prices to make a contribution, but the magnitude will not be so great. How much will the specific government allow? A preliminary judgment on the will of the country should be that the increase in house prices is similar to the annual GDP growth rate of the country, that is, about 5%~6%. However, as far as Nanning is concerned, is it 5%~6%? Not necessarily, because now that cities are divided, Guangxi is implementing the strategy of "strengthening the capital". The growth rate of housing prices in Nanning may be slightly higher than the national average, and I personally expect it to reach around 8%. Of course, this is purely personal speculation.