Two days ago, the "extended housing mortgage loan age period to 80 years old" in Nanning, Guangxi attracted widespread attention. On February 16, a Nanning real estate project owned by C&D Real Estate "can loan up to 100 years old" Posters also appeared. Today, there is also news in Chengdu, Shanghai, Beijing and other cities that "loans can be granted up to the age of 90 or 95".

After reading this sentence from the expert, I feel that the expert is worthy of being an expert. There is really no lower limit for transfusing blood into pillar industries. Buy a house at the age of 50 and pay off the loan at the age of 80! Retire at 65 and buy a wedding house in the market, and then pay off the loan at 95! Throughout my life, I have contributed my maximum surplus value to --! What a beautiful thought!

If the age of "house slaves" is relaxed to 80 years old, do you expect the pension to cover the monthly payment, or do you force the elderly in their 70s and 80s to work? Obviously, for the vast majority of people, this is an approach that directly leads to the "expectation of non-performing loans". But in terms of implementation, it is actually about the children relaying the loans and letting the loans be passed down from generation to generation! I just want to say: Real estate can be an engine, but it cannot be a perpetual motion machine!

This situation reminds people of a line in the movie: "It has been 90 years since the taxes in Goose City were collected." In order to survive the current crisis, do we have to use up all the future of Goose?

The overall design of this move is very clever, and it is even more powerful than simply relaxing the purchase limit. When you relax purchase restrictions, you can't give young people a third home with an interest rate discount and a 30% down payment, but give their parents a quota, significantly extend their parents' loan repayment time, and tie it to their loan repayment. They have relaxed purchase restrictions for higher leverage and more favorable interest rates.