Those with more than two rooms in their hands will be unable to sleep in the next two years。PropertyThe door closed for money. 2026CityThe big framework has been set, so don't look at the water pouring out, and don't try to turn the bull market back. Those who still hold on to their old calendars and feel that the house is a treasure pot with no loss, may end up in it. If you want to keep your family alive for the rest of your life, listen to my advice。
The logic of buying a house is now poison. This year's change of the country's door is clear: it's about stabilizing the market, going to the stock, and not paying your tenants. You see, the country's 18 first-line cities, even though they're off-limits, the down payment is down, and the amount of the provident fund loan is up. It's all for fresh needs and improvements, and it's nothing to do with you trying to make a fortune out of your house. In today's world, high-quality properties can survive, and those poor houses are like broken kites that fall only sooner or later。
There are plenty of rooms in their hands, and the most taboo is to push back. Don't look at the loose policy as a good time to copy. Now that urbanization is at its end, there are fewer newborns and fewer people who have just to buy a house. You go to the second-hand room, it's a long-term high, three- and four-line cities and even county towns, and there's a lot of neighborhoods with hundreds, and they don't make a deal for six months. In a situation where the supply is much greater than the demand, where do house prices increase? If you can stop it, you can burn it。
It's time to buy a house with the money. It's not easy for you. Wouldn't it be a net loss to have the money put in the bank or to buy some good money, which would have been a small gain, to buy the whole house, to buy the house, which would have been even more stupid, with interest on it and no increase in the price of the house? Counting the cost of holding, property, heating, maintenance funds, depreciation, an empty house, tens of millions of dollars per year. Even if rented out, the return on rent is now generally less than 2 per cent, which is not even comparable to the financial gain. Not to mention throwing dead money into a house that is extremely mobile, where there's an emergency in a family that can't sell it or get it out。
It is also self-deception that a poor property is not sold. There are no schools, no subways, no rags, no big dishes on the outskirts of the 3rd and 4th lines, as well as consummate apartments and small properties, all of which are burdensome. Young people, who are older than 20 years old, are unable to look at them, have to pay off, have to improve, and have to lose value. In the third and fourth-line suburbs, the population is moving out of the country, where the local population needs to be saturated early, where no one connects, and where it falls slowly. Commercial apartments are more of a pit, with high taxes and fees, no housing, no school district, and basically a life prison。
A lot of people think that if i don't sell, it's not a loss. That's too naive. That's what you call a shithole, a shitload of money. At this point, the sale of high-quality assets at the centre of the switch point, or the storage of interest, was replaced by a cash flow, although not expensive. It is necessary to carry the house from year to year, and next year it will be harder to sell and lower. The country is now pushing to “sell the old and buy the new.” in guangzhou, hangzhou, suzhou, etc., there is a pilot for the state to collect old houses。
Don't ever go into any more high-indebted housing tricks. In the past, house prices had increased rapidly, rents had covered the mortgage, and leverage was all right. And now? The low return on rent and the high interest on mortgages is a joke. Every month, the gap is filled with cash, and sooner or later the cash flow is drained. The current income environment is unstable, and in the event of unemployment or a reduction in wages, what is the repayment of housing? See the data of the auction house, which is a continuous high, most of which is the result of multiple sets of highly leveraged supplies, the end of which is the loss of the house, the black letter and the debt to the bank. House prices are falling and liabilities are rigid, and the shrinking of this asset is alarming。
For the next two years, there is only one task for families with multiple suites: to keep their lives. And do not buy a house in vain; that is to take the hand of the dealer; and do not guard the garbage; that is a missed opportunity; and do not take advantage of the leverage; that is to drive yourself out of the way. In the second half of the building, there are no more houses, no better assets, no better liabilities, no better cash flows. We can hold our ordinary people's money bags only if we move forward and sell those poor assets and replace them and unburden them。
