First of all, let's recall the 2021 property market.
A, 2021 property market turmoil
2021 the first half of the property market rapid growth, to the second half of the year directly decimated.
The reason for this is because the monetary environment is looser after the epidemic, business loans and other speculative investment funds flow to the property market, superimposed on the first-tier cities "school district housing" hot, the first-tier and core second-tier cities across the country, new and second-hand housing prices synchronized skyrocketed, especially in the Pearl River Delta and the Yangtze River Delta is more pronounced. 2021 big city building turnover is not ideal, especially the second-hand business of the premium volume directly than the waist cut even worse, a drop again and again, from about 20,000 sets, directly down to about 10,000 sets, and even the monthly turnover of less than 10,000, not to mention the second-hand turnover of the second and third-tier cities, the individual district is six months without a.This is the first time that I've seen a lot of people in the United States, and I've seen a lot of people in the United States.
Of course, the main thing to do is still too high bank leverage, and more than eighty percent of the leverage all flow into the real estate industry, the more frightening is that the slowdown in demand for housing has begun to show signs of slowing down, once the late residents can not keep up with the demand for housing, asset prices in the rise to the extent that it is difficult to bear, then the leverage in the hands of the developers and the banks will be an avalanche of collapse will inevitably occur plummet as if the bubble bursts and the economy begins to From prosperity to recession, known as the "bubble economy" (Foam Economy).This is also why the second-hand houses are freezing, the new houses are cooling down, the real estate companies can not return the funds, the real estate companies debt crisis immediately came to the reason, the cash flow dried up, can not be benign cycle, a big is the example.
The Ministry of Housing and Construction began to strictly control speculation, price gouging, interviews with speculators, real estate enterprises, banks, banks had to step on the emergency brake.
? Second, 2022 property market will be a smooth year
Why?
Although the introduction of the "limit up" policy, but many places have also introduced the "limit down" policy to ensure the stability of the property market, after the turbulence of 2021, the stability of the continuity is inevitable.On February 24, the State Council Information Office held a conference.
Wang Meng Hui, Minister of Housing and Construction, set the tone for the 2022 property market heavy, mainly for two aspects:
The first is to maintain the continuity and stability of the regulatory policy, and enhance the precision and coordination of the regulatory policy.
The second is to continue to steadily implement the long-term mechanism of real estate, to protect the housing needs, while meeting the reasonable demand for improvement, to promote the healthy development of the real estate cycle and healthy development, not to real estate as a short-term stimulus to the economy as a tool and means to work hard to stabilize the land price, stabilize the price of housing, stabilize the expectations.
To "guarantee delivery, livelihood, stability" as the primary goal, stability is the focus, resolutely and vigorously dispose of individual real estate enterprises due to debt defaults triggered by the risk of late delivery of real estate projects.
And the beginning of the new year, there are also some policies, property market policy, credit environment invariably released a loose signal, many cities have appeared to lower down payment, lower interest rates.
Down is very difficult to fall again, this kind of smooth does not rise, there is a policy of the time is not a good time to start?
New policy for the first set of buyers in 2022:
Loan to buy a house down payment regulations: provident fund loan down payment ratio for the first suite of 90 square meters (including) the following provident fund loan down payment ratio shall not be less than 20%, 90 square meters above the housing provident fund loan down payment ratio shall not be less than 30%. The first suite of commercial loans down payment ratio of 30%, the use of commercial loans to buy a house interest rates will rise.
The deed tax regulations: the first suite of family home purchase area of 90 square meters and below, the deed tax is 1%; purchase area of 90 square meters or more, the deed tax is 1.5%.
? Of course just need, whether it is the rural self-built house house, or buy a house in the city, whether it is high or low price, the building still have to build, the buy or buy.
Baidu Encyclopedia - Real Estate Bubble