For the purchase restriction, you can give an example. For example, buying a house in Beijing requires five years of social security. If we let go of this restriction, Beijing's current housing prices will skyrocket no matter how high they are, and will rise to an uncontrollable level.

Similarly, if five-year social security is changed to ten-year social security, house prices will also fall because of reduced demand. As for the restriction of sales, it may be easier for everyone to understand. For example, it is not allowed to sell within three years after buying a house, and it is not allowed to sell within five years. The number of second-hand houses on the market will come down. Coupled with destocking, the number of new houses has decreased, resulting in a shortage of housing in the market, which will naturally increase prices. But the effect of restricted sales is short-term, that is, panic buying during the cycle. When the market returns to the normal development pace after the past limelight, the price will generally be controlled or gradually reduced. In addition, sales restriction can actually be used as a way to control house prices. For example, after the introduction of property tax, many people will start to choose to wait and see because of the fixed cost of holding a house and the disadvantage of not selling it during the cycle. In other words, the demand side's desire has decreased before the restricted sale has realized the control of the market housing, thus reducing the price.

Generally speaking, this is the basic law that affects housing prices. Everyone can understand that the market does affect housing prices, but management affects the market. Then, only by looking at the management requirements, we can judge the future trend of housing prices. First of all, it is still the sentence in early August: "Resolutely curb the rise in housing prices." Now this month, generally speaking, the attitude is very tough and the effect is remarkable. What you may not have noticed is that in early September, China Banking and Insurance Regulatory Commission put forward such a sentence: "Resolutely curb the real estate bubble". Compared with before, the interpretation of this requirement is simpler, that is, banks began to focus on dealing with non-performing loans in the real estate industry. In other words, it can further stabilize the existing housing price situation. In addition, there may be a partial price reduction. In short, it is not impossible to "resolutely curb the rise in housing prices" and it is impossible for management departments to go to real estate one by one. This requirement is mainly met by controlling the average price.

Therefore, in the case of dealing with non-performing loans, as well as the independent improvement of local advantageous real estate combined with the market environment, some prices will be reduced. After all, generally speaking, there are ups and downs, and high and low are normal market rules.

Therefore, in the matter of buying a house, we should consider the fit between ourselves and the house price. The so-called suitability means whether you can afford it and whether the mortgage pressure is too great after providing the down payment. In this regard, long-term consideration should be made. For example, if your income is 1 10,000 and your mortgage is 6000, the pressure is not small. It is best to control it around 1/3 of your income, so the pressure will be too great after having children. Moreover, it is easier to ensure the quality of life and the pursuit of interest when the mortgage pressure is not great. The author believes that if you have a down payment, the mortgage is 65438+ 0/3 of your current income, so you can start directly. If the mortgage is 1/2 of your income, you should consider your future development at this time. If you have information about your development, you can also choose to participate. If the mortgage is 2/3 of your income, it is already the bottom line and the risk is great. At this time, you should consider your wife, family and other aspects. If every link is "walking a tightrope", I suggest not to buy it. Work hard and pay more down payment. You know, it's an instant to decide on a loan, but it will take twenty or thirty years to repay it. It's always harmless to think before making a decision.