Young people should stop taking out loans to buy houses. What is the reason?
1, look at the family structure first.
Nowadays, there are many only children in society, 10 years. The simplest estimate: one suite for children's parents, one suite for wife's parents and a small family for two 1 suite. It's fairly balanced /kloc-My parents died after 0/0 years, so there will be three suites at home. /kloc-Will parents buy another suite for their children in 0/0? No, so the theory that houses will rise forever is a fallacy.
2. Look at the process of urbanization.
Rural urbanization. It is a part of urbanization, not 65.438+0.2 billion people, but 65.438+0 billion people are first-and second-tier cities, which means urbanization. Not even in America. Farmers will always be the majority, and the new rural construction in the future. Traditional farmers will gradually decrease. On the contrary, new farmers will increase. They have land, income from township enterprises and houses to live in. Will all these farmers flood into Beijing? Don't!
3. Finally, look at national policies.
The National Twelfth Five-Year Plan plans to build 6 million sets of affordable housing and low-rent housing in first-and second-tier cities every year. 30 million sets will be built in five years, which can meet the demand of 1 100 million new farmers flooding into cities. However, the registration of real estate has been implemented and the property tax is about to be levied. According to the tax rate of 3%, those who have three houses in their hands have to pay hundreds of thousands of property taxes every year. They have to pay back the mortgage and interest, pay taxes and face the crisis of falling house prices. There will be a large number of second-hand houses for sale at this time. One is the decrease of entering the city, and the other is the increase of houses. In this way, it is also a fallacy that urbanization brings about the continuous rise of housing prices.
What is the reason for buying a house?
First, the idea in China people's bones is to seek stability. We want to settle down, feel at ease, so-called guaranteed life, so we don't hesitate to borrow money to be house slaves.
Second, deep-rooted traditional problems. Whoever has a house is a promising youth, and whoever has no house is a bad boy.
Third, most citizens have been brainwashed by real estate developers and the media: if they don't buy now, they will rise in the future, and house prices will always rise faster than wages. If you don't buy it now, I'm afraid I can't afford it anymore!
Young people should stop taking out loans to buy houses. What is the reason? What is the reason for buying a house? From the answers to these two questions, it can be seen that the rise in housing prices has a certain relationship with blind purchase. Therefore, everyone must be rational when buying a house, and don't blindly follow the trend, otherwise it will only make the house price rise faster, and it will also make more people feel unbearable, thus increasing the burden on countless families.