The first home loan interest rate dropped to 4.4%. Many experts on the internet immediately said that the spring of real estate is coming again. Actually, it's just a bluff. Why does the country want to lower the loan interest rate for the first suite? I thought it was because the house could not be sold. Especially in recent years, the epidemic situation has made many people understand the truth that the present society is a society where cash is king. In the face of social emergencies, it is not easy to have cash. Just like many people are locked at home because of the epidemic and can't go to work, so they have no income.
If there is no deposit in hand, it is really necessary for the whole family to drink northwest wind together. If you have money in your hand, you can eat, drink and be merry without worrying at all. Many people have no money to eat, where can they buy a house? Even people with money in their hands dare not invest in real estate easily in the face of this situation. The reduction of the interest rate of the first home loan by the state is indeed beneficial to those who just need it. But many experts say that the spring of real estate is coming again, which is simply impossible.
I feel that house prices have been falling in the past two years. Like this new first-tier provincial capital city where I work, I bought a house on 16, and the unit price at that time was less than 9 100 yuan/square meter. By 2020, the housing price in residential areas has risen to the peak of10.6 million/flat. But since then, housing prices in residential areas have been falling. It fell to 1.5 million/flat, and now it has fallen to 1.45 million/flat. Compared with the highest price, it has dropped by nearly 2000 yuan/flat.
My hometown, the 18th-line small county, rose to about 5,000 yuan/flat when the house price was the highest. Now, it has also dropped to about 3500 yuan/flat. Except for some big cities and some houses in special locations, I feel that house prices have dropped a lot all over the country. In a super-first-tier city like Shenzhen, many tens of millions of houses are facing the embarrassing situation of "no price". Some time ago, it was reported that Mr. Xu of Evergrande sold his mansion in Shenzhen. The house with a market value of 65.438+0.2 billion yuan has a listing price of 80 million yuan and a 6.5% discount, but no one cares.
There is a colleague in my unit who has demolished five or six houses at home. She had been planning to sell the house for a long time, but she hung it in the intermediary, and there was no news of the house for several months. Not surprisingly, if the new house cannot be sold, the second-hand house will be miserable. Maybe many people say, I don't believe that the house can't be sold. The house price in your community is 14000/ flat, and yours is 10000/ flat. Can't this be sold? Well, let's just say that your idea is naive. You can try. The house price in your community is 1.4 million yuan. If you dare to sell 1 10,000 yuan/ping in the market, it is estimated that a neighbor will give you a "blade" at night. In the past, having a house meant having wealth. Now those who own many houses are worried about how to sell them. In a society where cash is king, the best asset is cash.