Is 2020, the Year of the Rat, suitable for buying a house? Will there be new housing policies?
Many people regard buying a house as an investment. It can be said that buying a house is mostly a stable and profitable investment. However, with the development of the times and economy, buying houses has gradually become popular. Is 2020, the Year of the Rat, suitable for buying a house? Will there be new housing policies? Shuimoxiansheng.com invites you to the Feng Shui knowledge column!Is 2020 the Year of the Rat a good time to buy a house?》Whether to buy a house depends on your ability and purpose of buying a house——Things to note before buying a house: 《1》 Consume rationally and control debt within your means. 《2》 Buy what you can afford. Save up if you are under pressure. There is no need to pretend to be rich. Just do what you can. ——Determine the purpose of buying a house: for living or investment <br /> The main idea of current real estate market policy regulation is to curb speculation in real estate and start a battle to protect rigid demand. Therefore, short-term real estate speculators should not even consider entering the market, as blindly betting against policies will only lead to even greater losses. The current survival space and profit space for real estate speculation have been greatly compressed. For improvements, if you follow the order of selling first and buying later, as long as you can sell at the psychological price and can find a suitable house, the win-win situation between buying and selling can offset the risks. Will there be any new housing policies in 2020?》2020 New Housing Policy Forecast:《1》Lower housing provident fund loan interest rates, rural housing subsidies—— The new housing provident fund loan interest rate will be implemented on January 1, 2020, from 4.25% to 3.25%. Each person can borrow 400,000 yuan, and a couple with two working parents can borrow up to 800,000 yuan. For third- and fourth-tier cities, that may be a full loan. Subsidies for farmers to buy houses in cities, all regions are formulating new policies, including housing subsidies for various types of talents, with the highest subsidy in Fuyang City being 800,000 yuan; 《2》For remote workers: People who work in other places are blessed. The implementation of the residence permit system, the determination of six basic rights such as education and medical care, laying the foundation for temporary residents, and other policies that are conducive to home buyers are being implemented. 《3》House prices are still rising: It is expected that the differentiation of housing prices among cities will further intensify in 2020. There is still sufficient momentum for housing price increases in first-tier cities and second-tier cities with strong demand, but the situation in second-tier and third- and fourth-tier cities with great pressure to clear inventory is worrying. ——The rise in housing prices in first-tier cities is mainly based on three aspects. First, land prices drive up housing prices. Currently, the land market in first-tier cities is becoming increasingly hot, as evidenced by the successive auctions of land kings in Beijing and Shanghai. —— Developers value investment opportunities more. Under the central government’s policy of “controlling supply”, developers will increasingly value the hard-won investment opportunities in first-tier cities and pay more attention to profit margins rather than turnover speed in project operations; ——The demand base ensures sales. With a huge population base of demand, developers are more confident in developing projects in first-tier cities. From historical experience, even if a project is slow to sell in the short term due to high selling prices, as long as the location is not too remote, good sales results can be achieved within two to three years. |
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