However, this good luck did not come. "I stayed in front of the computer for more than half an hour and clicked the mouse at six o'clock on the hour. But before I saw the room number clearly, 230 green icons had been selected. " Yang Ming said.
After one year of regulation, the enthusiasm of buyers has not been extinguished, from Nanjing to Wuhan to rob the house overnight. In this regard, experts believe that in the future, the central government will uniformly deploy long-term and basic systems, adhere to regulation, and reduce profit margins.
18, issued by the National Bureau of Statistics 1 1. The changes of residential sales prices in 70 large and medium-sized cities show that housing prices in hot cities remain stable. From the ring comparison, the prices of new commercial housing in seven cities decreased by 0. 1 to 0.3 percentage points; Beijing, Shanghai, Zhengzhou and Wuhan are flat.
Liu Jianwei, senior statistician of the Urban Department of the National Bureau of Statistics, said that among the 65,438+5 hot cities, the number of new commercial housing in1/kloc-0 decreased by 0.2-3.2 percentage points year-on-year, and the effect of the real estate market regulation policy of "regulating by classification and implementing policies according to cities" continued to show.
However, the property market in second and third tier cities is still hot. According to statistics from the Bureau of Statistics, the prices of new commercial housing and second-hand housing in second-tier cities rose by 0.5% and 0.3% respectively from the previous month, with the increase of 0.2 and 0. 1 percentage point respectively. The prices of newly-built commercial housing and second-hand housing in third-tier cities rose by 0.4% and 0.3% respectively, an increase of 0. 1 percentage point over the previous month.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that the property market has gradually cooled down in regulation, but second-and third-tier cities are still hot. This is also the reason why the sales performance of real estate enterprises still set a new record in 20 17, and the volume and price of the national real estate market rose together.
According to the data of Zhongyuan Real Estate, by the end of 1 1, the total sales of 3 1 key real estate enterprises including Country Garden, Evergrande and Vanke reached 3,728.7 billion yuan, up 47% over the same period of 20 16.
Ni Pengfei, director of the Urban and Competitiveness Research Center of China Academy of Social Sciences, said that the current cooling is a market freeze under the pressure of administrative regulation. "Market players including property buyers, real estate development enterprises and financial institutions are still optimistic about the property market, which is also the risk."
China Housing Development Report (20 17-20 18) shows that the residential mortgage interest rate (LTV) in China has been rising continuously since 20 12 and accelerated in 20 16. By the end of 20 16, the mortgage rate of residents' houses has risen to 50%. 20 16 China mortgage balance /LTV began to exceed the market value of family property.
The proportion of residents' debts has gradually increased. Ni Pengfei said, "The proportion of household debt in per capita disposable income has risen from less than 35% in 2007 to 90% at present, far exceeding the level of other emerging economies. If we consider many private financing channels in China, the leverage ratio of residents may be higher. "
On the one hand, loans increase, on the other hand, deposits decrease. The report shows that the proportion of loans in Chinese residents' savings deposits has increased from 25% in 2007 to more than 60% at present, and the proportion of new loans to new deposits has increased from about 50% before 10 to an average of 97% in 20 14 to 20 16 years, and deposits even appear at 20/kloc-0.
Ni Pengfei said that the leverage space of the residential sector has become increasingly limited. He suggested that it is necessary to speed up the construction of a long-term system and mechanism for the regulation of the property market, clarify the timetable for real estate tax, give clear expectations to the market, and reduce the game psychology of all parties.
"Previously, the the Political Bureau of the Communist Party of China (CPC) Central Committee Conference has decided to accelerate the reform of the housing system and the construction of a long-term mechanism as the key tasks in 20 18." Kang, director of the Legal Department of China Real Estate Association, said that starting from next year, the focus of official regulation will gradually shift from frequent administrative regulation in various places to a long-term and basic system deployed by the central government. For example, the unified registration of real estate, which has attracted much attention, may realize national networking on 20 18.
Kang pointed out that with the real implementation of a series of long-term and basic systems, the effect and influence of China's housing system reform will be no less than the 1998 "housing reform" that opened the "golden decade" of China's real estate market.