If capital is like water, the faster it flows, the more income it can create. Recently, a news that "a number of banks have suspended the issuance of mortgage loans" has been screened in the information media, causing extensive discussions. This is actually the initial effect brought by the "two red lines". The impact of a guiding policy on all social groups is completely different, but in any case, property owners will never be cornered.
Buying and selling are closely linked, and the qualification and strength of the buyer play a key role in the whole trading cycle. The mortgage is suspended, the seller's "water source" is tightened, and his next plan will be blocked. Therefore, in the foreseeable short term, the full buyer will be more popular.
Previously, the "three red lines" were used to force real estate developers to reduce leverage from the demand side, but this time, the "two red lines" were set up and two red lines were added from the capital supply side, with the purpose of preventing excessive capital flow to real estate. Many experts predict that the property market may break through three lower limits in 20021year. First, house prices in some small and medium-sized cities in the third and fourth tier may fall below the psychological lower limit of real estate developers, and house prices will continue to fall. Real estate speculators are likely to sell second-hand houses in their hands, and the decline in the price of second-hand houses will naturally lead to a decline in the price of new houses; Second, the debt ratio of some housing enterprises may exceed the upper limit, the mortgage will be suspended, the purchase rate will drop, and the sales rate of housing enterprises will also drop, resulting in abnormal operation; Third, people's willingness to buy a house, especially real estate speculation, will be reduced. In my opinion, the development of the property market this year will be more and more suitable for buyers who just need to choose their own houses.