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The housing prices in 10 megacities are over RMB 10,000. Will you take out a loan to buy a house?

1. The concepts of megacities and urban areas:

A megacity refers to a city with an urban population of more than 5 million and less than 10 million. Urban areas refer to "municipal districts and cities without districts, the areas under the jurisdiction of residents' committees and other areas that are connected to the actual construction of districts and municipal government residences". The urban population size is smaller than the total urban population size and smaller than the population size of municipal districts. Rural areas within municipal districts are not included in urban population statistics. ?

2. Ten megacities:

The "2019 Urban Construction Statistical Yearbook" released by the Ministry of Housing and Urban-Rural Development not long ago, Dongguan, Wuhan, Chengdu, Hangzhou, Nanjing, Zhengzhou, Xi'an The urban populations of these 10 cities, Jinan, Shenyang and Qingdao, range from 5 million to 10 million, and they are considered megacities. Compared with the previous year, a new megacity was added this year, namely Jinan.

3. House price levels in ten megacities:

Currently, the average unit price in 10 cities exceeds 10,000 yuan/square meter, and 4 cities exceed 20,000 yuan/square meter. Ten thousand yuan/square meter, of which Hangzhou and Nanjing both exceeded 30,000 yuan/square meter. Shenyang has the lowest prices among the 10 cities. ?Among them:

1. Hangzhou: Hangzhou has the highest average unit price, reaching 33,808 yuan per square meter. Zhejiang, where Hangzhou is located, is a major economic province and the region with the most developed private economy in my country. The level of per capita disposable income is second only to the two major municipalities of Beijing and Shanghai. As a powerful provincial capital, Hangzhou has concentrated the best capital, technology, talents and other factors in the province. Among the five provinces with separate planned cities, Hangzhou has an absolute advantage in both GDP and related important indicators. 2. Nanjing: As the capital of Jiangsu, which is also a major economic province, Nanjing’s economic primacy has continued to increase in recent years. In 2020, Nanjing achieved a GDP of 1,481.795 billion yuan. Its economic aggregate entered the national GDP trillion yuan club city for the first time in 2016, and ranked among the top ten in the country for the first time. In 2020, Nanjing's net increase in high-tech enterprises exceeded 1,800, and the total number exceeded 6,500. ?

3. Dongguan: Dongguan ranks third among megacities with 24,288 yuan per square meter. Dongguan's housing prices have increased significantly in recent years, which is related to the rapid development of local high-tech industries in recent years and the spillover of purchasing power from the neighboring first-tier city Shenzhen. During the 13th Five-Year Plan period, the number of high-tech enterprises in Dongguan increased from 2,028 to 6,412, an increase of 6.5 times. The average annual compound growth rate was as high as 45.4. The number of high-tech enterprises in Dongguan ranked second among prefecture-level cities in the country. With the spillover of industries, capital, talents and other factors from Shenzhen, the pace of economic transformation and upgrading in Dongguan is accelerating.

4. Qingdao: Qingdao ranks fourth with 2.2137 billion yuan per square meter. ?

5. Wuhan: Wuhan ranks first in the central and western regions with 19,340 yuan per square meter. ?

6. Shenyang: It is the only megacity in Northeast China. The current unit price is 12,245 yuan per square meter. ?

4. Judging from the changes in housing prices in the past year, the trends in housing prices in 10 megacities:

Judging from the changes in housing prices in the past year, the trends in 10 megacities There are obvious regional differentiations. While prices in the Yangtze River Delta, Pearl River Delta and other places are rising, central cities in Henan and Shandong in the north are facing downward pressure. House prices in three megacities have fallen back to a year ago. Changes in sales prices of commercial housing in 70 large and medium-sized cities in December 2020. In December 2020, second-hand houses in Jinan fell by 2.8 year-on-year, Qingdao fell by 2.1, and Zhengzhou fell by 3.6. This differentiation is related to economic development in recent years, especially the development of emerging industries and population mobility, as well as economic structure, topography, and land supply.

In 2021, the trend of hotness in the south and coldness in the north will ease, and the property market will gradually return to rationality. In 2021, some northern cities, such as Qingdao, Jinan and other places in Shandong, are likely to usher in a market recovery.

5. My own opinion: At present, the house prices in 10 major cities have exceeded 10,000 yuan. Judging from the current situation, I personally do not tend to take out a loan to buy a house. One is because of the great pressure, and the other is One is because I personally own a house and there is no need to burden myself with the pressure of taking out a loan to buy a house.