Various signals show that the property market in some cities is tightening.

On February 13, China Fund Industry Association released No.4-Private placement management plan of securities and futures institutions to invest in real estate development enterprises and projects on its WeChat WeChat official account, clearly stipulating that securities and futures institutions should set up private placement management plans to invest in ordinary residential real estate projects in hot cities with high real estate prices for the time being.

As mentioned in the document, hot cities where real estate prices are rising too fast include Beijing, Shanghai, Guangzhou, Shenzhen, Hefei, Nanjing, Suzhou, Wuxi, Hangzhou, Tianjin, Wuhan, Zhengzhou, Jinan and Chengdu, and the scope will be adjusted according to the relevant regulations of the Ministry of Housing and Urban-Rural Development.

According to another research data, in the whole month of 20 17 and 1, the total financing of housing enterprises in China, including private bonds, corporate bonds and medium-term notes, was only 654.38+03.308 billion yuan, which continued the downturn in the fourth quarter. Moreover, compared with 20 16 and 1 in the same period, the downward adjustment rate reached 92%.

The mortgage policy in first-tier and second-tier cities has been tightened, because the housing prices in first-tier and second-tier cities have increased greatly in 20 16. These cities include Shenzhen, Shanghai, Hefei, Nanjing and Suzhou. Comparatively speaking, some other cities, such as Beihai, Jining and Lanzhou, etc. Will continue to support buyers to buy houses and promote the process of urbanization. Policies such as giving preferential loans to first-time buyers and lowering the threshold of urban backwardness are conducive to encouraging people to buy houses in these cities.

Then the question comes: 20 17, which investors will be "killed" by the property market?

The first kind of people: people who entered the hot city property market with high leverage after August last year.

These people are even worse and more pitiful. They entered the property market almost at the highest point and used high leverage. Some of them even get down payment through usury or P2P fund-raising.

I bought a new disk, but I can't trade it yet, so I can only wait for death; If it is a second-hand house, it may be possible to cut off the position; If it is a big house and it is in a first-tier city, it is estimated that it is difficult to sell it.

The second kind of people: people who enter the third-and fourth-tier cities with high leverage after the regulation of hot cities.

The property market in most third-and fourth-tier cities is a big pit.

If there is an increase in population, the quality of investment properties is better, or the city itself has internal power support, such as Quanzhou, it may be able to maintain its value for a long time without losing money.

But if it is fried, it will be very troublesome. The biggest possibility is that no one has taken over now, and in the end, he can only cut the position and go out.

The third kind of people: people who buy tourism, pension and commercial real estate after the regulation of hot cities.

Tourism real estate, a pension real estate, is generally near the scenic spots, far away from the central cities.

The environment of this kind of house is very attractive, but the utilization rate is very low, so it is impossible to pass on the real estate tax. After being hosted by the operator, the rate of return is very low, and it is difficult to supervise its real income.

It's ok if it's not over-leveraged. If you over-leverage, you will die miserably. For most cities, commercial real estate is mostly surplus. Although the rental ratio is higher than that of residential buildings, the upward trend is worse than that of residential buildings.

The fourth kind of people: people who are fooled into going home during the Spring Festival and blindly buying houses in their hometown towns.

If you just buy one set, the problem doesn't seem to be big: at most, it won't go up, it's of little use and the investment efficiency is not high. Really bad, you can go back and forth to your hometown to live for yourself.

However, it is likely to occupy the down payment of buying a house in a big city and abuse the precious first loan opportunity, making it very far away for you to buy a house in a big city.

According to the current policy of restricting loans in big cities, the definition of the first loan is often nationwide. If abused, the threshold for secondary loans will be much higher.

(The above answers were published on 20 17-03-24. Please refer to the actual situation for the current purchase policy. )

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