In China, the rise and fall of house prices are closely related to your total wealth.
Otherwise, there will not be so many people who have houses on the Internet advocating that housing prices will rise, and there will not be so many young people who do not have houses sing bad news about housing prices. Some people are bullish and some are bearish, which essentially shows that the house is an investment product.
Considering the replacement needs mentioned above, you definitely don’t want the house you spent a lot of money to buy, when you want to realize it, you find that it actually fell.
But I do not encourage everyone to buy a house with an investment mentality.
In the past 20 years, China’s housing prices have been rising for a long time, with a surge every 5 years. First- and second-tier cities even buy a house with your eyes closed, and you can go up while lying down.
This kind of history makes many people mistakenly think that buying a house = investment.
In 2016, Beijing’s housing prices experienced a surge in housing prices. At the craziest time, you would have to pay 200,000 more for buying a house one day late. The following year, Beijing introduced the most stringent purchase restrictions in history, known as the 317 New Deal. As soon as the policy came out, Beijing’s housing prices had been sideways for three consecutive years, until now.
Always remember that China’s property market is a policy city, and only if policy allows it there is room for appreciation.
Investment mentality is okay in the bull market, but under the background of the emphasis on control of the Chinese property market, the era of buying a house is long gone. Buying a house has become a technical job.
But most people don’t know the difficulty of real estate investment.
In investing in real estate, the most important thing is to find the so-called “bamboo market”, that is, a house with a low market price and high cost performance. In order to find such a house, real investors will visit a large number of houses in various areas of the target city.
In the field of real estate investment, there is a saying that only 200 sets of houses can be viewed as an entry point. If you look at 5 sets a day, you have to watch for more than a month. In addition, you also need to understand the housing and loan policies of various places.
Many real estate speculators even use credit cards to cash out, or real estate agent holdings and other risky games to break through the loan restriction and purchase restriction policy.
In short, buy a house with an investment mentality, but cannot do your homework like a real investor, and there is no technology for speculators to wander around the edge of the policy. There is not much principal to lose, so it is easy to buy The “chive plate” under the banner of “bamboo plate”.
Furthermore, buying a house for self-occupation and investment are completely two logics for house inspections. Maybe you really found the “bamboo plate” and moved in by yourself and found that it takes two hours to go to work. You have to take a bus to go to a supermarket, or you have to go back to rent a house obediently.
and those who bought a house