The sudden onslaught of the epidemic at the beginning of 2020 disrupted many people's home-buying and home-exchange plans. During the epidemic, you may have watched more than a dozen online live broadcasts and registered for the online sales departments of many developers, such as Hengfangtong and Happinesstong, but you still hesitated to "go for it".
With the easing of the epidemic across the country, offline sales departments have been opening one after another. After the epidemic to buy or not to buy a house? How will the market go? What are the changes in the logic of buying a house? Rui Li Jun today sincerely give some suggestions for your reference if you have the need to buy a house.
Buy a house after the epidemic?
First, for those who just need a home, you must have a "house book to protect your body".
During the epidemic, the major community "closed isolation" became part of the rental customers can not enter the community of the ban, many people who originally rely on the rental life shouted "the first thing after the epidemic is to buy a house". A house is a share of the city, and a house is a share of the city. For rigid demand buyers, if the brand and quality of the property is more trustworthy, take advantage of the developer's promotional offers, you can start in a timely manner. If you need to wait for the building to get the license, you should also know up in advance.
Secondly, the improvement group, living well is really good.
This epidemic almost home quarantine for a month, 24 hours a day to stay at home, so that more people reflect on the safety, comfort and health of home. Changing to a relatively safer neighborhood with more spacious home spaces can ease anxiety as well as the pursuit of a high quality of life.
Third, if possible, don't put your eggs in one basket.
Many people have multiple properties, and even if they don't live in them, they can always rent them out for income. But be careful to choose valuable properties in different cities to maximize the avoidance of policy risks, such as sudden purchase and sale restrictions to lock up liquidity.
Fourth, cash flow! Cash flow! Cash flow! Important thing to say three times.
On November 25, 2019, the People's Bank of China released the China Financial Stability Report (2019), which showed that at the end of 2018, the leverage ratio of China's household sector was 60.4%, exceeding the international average.
The epidemic has hit most people's income, but rent, mortgage, chanting and other types of bills will not be discounted, so many people show a stronger willingness to hold cash. Whether it is just need, improvement or investment, judging the situation, according to the strength of the increase in leverage need to be careful.
△ sharp data statistics Sichuan, Chongqing, Yunnan, Guizhou four provinces customer questionnaire shows that about 54% of the respondents said that the epidemic income has been reduced, about 9.4% of the customers said that there is a possibility of losing their jobs, completely lost their source of income
fifth, chaotic purchase of real estate, you may be "lost and lost". .
Beginning in 2020, don't buy any house you see. Different types of houses such as houses, apartments, offices, stores, parking spaces, etc., have different property rights and return cycles, and should take into account the safety of home ownership and family assets do not shrink, liquidity should be put in the first place.
△2018-2019 stores and offices fell in volume and price, but even more seriously run down the residential (Image source: National Economic Strategy)
How will the market go?
Sixth, the market is recovering as policies "give sugar".
2020 most of the developers of the volume of transactions compared to previous years during the Spring Festival plummeted 90%, the market is temporarily "frozen", but the recovery is already within reach. In the past week, there have been Wuxi, Xi'an, Shanghai, Shenzhen, Xiamen, Nanchang and many other cities released favorable policies for the real estate industry. (For more information, click: "a chart overview | more than 20 cities across the country "stabilizing the property market" key policies")
For developers: the threshold for pre-sale is lowered, the total investment of 25%, or even the project out of the ground, you can apply for pre-sale, pre-sale funds can be withdrawn in advance to alleviate the problem of nervousness in the capital chain of the developer.
For home buyers: relaxation of settlement restrictions, subsidies for home purchases, increased provident fund loan amount and other measures to give home buyers support and confidence.
△ part of the city on the home buyers favorable some of the policy
seventh, mortgage interest rates down, down payment reduced "rain you have melon". On February 20, the central bank lowered the LPR medium- and long-term mortgage rates by 5 basis points. To the first suite loan total of 1 million, for example, equal principal and interest repayment for 30 years, the monthly payment will fall from 5,246 yuan in January to 5,216 yuan, a reduction of about 30 yuan per month.
February 24, the 21st Century Business Herald reported that Zheshang Bank recently issued a notice of personal loan policy adjustments, the focus of the content: non-restricted cities, the family's first suite down payment loan ratio from the original 30% to 20%. With Zheshang Bank rushing in front, other banks to follow, is a probable event.
Attention, these favorable policies, all "rain you have melon" (related to you)!
△ Zheshang Bank outlets city whether the purchase restriction situation at a glance
eighth, the real estate enterprises "flood power" is exactly your "flood power". During the epidemic, online sales offices, VR viewing, live viewing and other Internet marketing means, such as springing up. When the online sale of housing is not hot, Evergrande's 75% discount on the purchase of housing, eliminating the worries of homebuyers, "fear of buying expensive, fear of buying the wrong", giving consumers the lowest price of the purchase of housing and the double guarantee of no reason to return the house. Subsequently, Sunac, Poly, Longhu, Fuli, Shimao, Xuhui and other well-known real estate enterprises have also been implemented to activate the market with no reason to return the room, online discount, price difference compensation and other measures. Real estate enterprises began to carry out such a large-scale, large-scale discount promotions, and to ensure that you can unconditionally return the room or make up for the difference in price, can be said to be the property market in recent years, the big scene!
Ninth, housing prices will not be substantially adjusted, believe that the "three stable" determination. As different cities real estate market background conditions are different, and the epidemic on different cities affect the time difference is very large, the impact of the epidemic on housing prices is more complex, but "stability" is still an unshakeable iron law.
On the one hand, the central level of the main tone of real estate has not changed: stable housing prices, stable land prices, stable expectations, prevention and resolution of risks in the real estate market, is still the most important. Many cities are "trying" to come up with policies, but the actions seem to be careful. Under the policy of limiting purchases and loans, relying only on rigid demand and a small amount of investment and improvement demand "incremental", it is difficult to form a "surge" in housing prices to support the conditions.
On the other hand, in order to stabilize housing prices, the local authorities will also limit the extent of property price reductions. In addition to the current high land prices and construction costs, developers are also limited in the extent of price reductions.
Tenth, in the "bottoming out" psychological effect, a small positive spring "although late, but to". In the demand side, the epidemic will lead to the recent rigid demand for housing (especially the real first suite of home buyers) precipitation, accumulation, after the epidemic may be focused on the release; and in the "bottoming out" psychological effect, improvement (no loan record of the replacement of the home), and even investment demand (not using the qualification of the purchase of the home buyers) there is a willingness to enter the field.
On the supply side, after the epidemic, developers will actively push the market, will not "cover up the sale", the available sources of housing more, the market activity will be greatly increased.
The eleventh, the bargaining power of the new home to improve, the second-hand more "sticky".
For new homes, as developers are eager to store customers, get deposits back or prepare for the post-epidemic sprint, and buyers are "waiting to buy", bargaining power has indeed improved.
But for the second-hand houses, the prices are "sticky" due to the huge value of the houses, their value of use (rental, owner-occupation), and the fact that they are durable goods. So if the homeowner is not in dire need of money, he or she is willing to wait and seldom willing to take the initiative and reduce the price significantly.
Twelfth, note! The second quarter or window period to buy a house. As mentioned earlier, the epidemic may have some impact on residents' employment and income, but in the long run, the epidemic will not lead to the disappearance of the demand for housing, especially the fresh demand class, but will delay the demand for housing. As the epidemic is gradually brought under control, the market is expected to fully recover in March. The second quarter of this year is expected to be a better window of opportunity to get started as developers ship out their products and the various home-buying policies stack up.
What are the changes in home buying?
Thirteenth, the big city of the house, only really fragrant. From a fundamental point of view, good resources are still mainly concentrated in big cities. The number of hospitals, the level of medical care, as well as the emergence of the epidemic, the national level of concern and out measures, will be tilted to the big cities resources, so the future of home ownership in the first and second-tier cities is still a little more secure.
The fourteenth, have the money to remember to buy more "quality" of the property.
The epidemic is like a magnifying glass, subconsciously bringing about changes in lifestyle and living patterns, and buyers favor low density, low floor area ratio, low staircase ratio, and the configuration of large balconies, large gardens, and other activity spaces in the project.
The fifteenth, money no money to buy a house should pay attention to the pattern of the house type.
Can experience 7 * 24 hours of inspection of the house type: north-south ventilation, indoor ventilation effect is good; the overall layout of the set of static and dynamic, the master of the office and leisure and the elderly and children rest play each other do not interfere; at the same time, sufficient storage space to meet the storage needs.
The sixteenth, do not ignore the entrance again.
Previously, buying a house often ignores the importance of the entrance, just as storage space, dispensable. In fact, the entrance can be used as a disinfection area, but also can be equipped with deodorant shoe cabinets, clothes deodorizer and other equipment, is the first barrier to home security.
The seventeenth, the dining table can not afford the weight of the study is just needed.
Only when faced with an unexpected situation or crisis, people will find a need that they usually can't discover. In the past, the study is only configured in high-end improvement products. But even for small homes, having a study space makes for a stronger sense of well-being.
△△The dining table in your house during the epidemic (image source network)
The eighteenth, freeing up the hands, intelligent community is the trend .
Facial recognition, voice recognition to enter the floor, access control contact-free, community gate automation, elevator contact-free and other intelligent equipment is more worthy of purchase.
Nineteenth, what is the most expensive in the 21st century? Health!
Buying a house after the epidemic, we should pay attention to the environmental protection, comfort as the characteristics of the healthy housing, such as Jinmao's health technology housing, Sino-Ocean's WELL system certified housing, etc. have been developed in the early stage, I believe that the next more companies will pay attention to. Of course, a short period of time, many of the "healthy housing" does not exclude the gimmick mostly, buy a house, please keep your eyes peeled!
Twentieth, to buy a house important consideration indicators, the property most "can fight". During the epidemic, Poly property to protect the health of the new hope property supply of food, Cinnamon property attention to your psychological ...... we understand that property services are so important - the community is the implementation of the grid management of the basis, property is the The community is the basis for the implementation of grid-based management, and property is the last line of defense in the "Epidemic Prevention Alley War". (For more information click: "After the epidemic what kind of property will change the real estate?")
△Part of the property on the exploration of value-added services
Wen | qiu
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