A wise man to buy a house A lazy person to
buy a car
Whether to own their own homes, and happiness is directly related to.Life is not in China's cities can not rent, but a lot of citizens' welfare, actually is related to the household registration and home
ownership.While buying a car is the lazy option.If you live in the big city, car, taxi and public transportation is very convenient, it is not necessary to buy private cars, wasteful and congestion and pollution.
A wise man to buy a house A lazy person to buy a car
When I write down this title, a lot of people in the mind will be
uncomfortable, it is natural, in such wise, treated with caution, please.After all, everyone reading this world and the way of finance and economics is difference.
Why the house is still worth buying?All the factors of China's property market bubble is clearly.The most typical factors include: one is the real estate stock is huge, speculation and shantytown renovation in commercial housing is currently supply about 8.5 billion square meters, 1.3 billion - 1.5 billion square meters per year inventory rhythm, the current high inventory to consume more than five years.Second is the problem that high house prices there is no essential improvement, from the housing price to income ratio, weak growth brings money day difficult, make house prices more unattainable.
Three is the uncertainty of long-term involvement room policy.Over the years people have been talking about the property tax, real estate gift tax, inheritance tax, etc., have house property may generate income in the future, are more likely to bring heavy tax burden.The four cities are the general situation is set.After 1998 years of urbanization process, at present China's urban residents homeownership rate is very high, it is said that 1998 worth with residential units for more than 1 set.Long-term adverse factors so much, why also claims that the smart is to buy a house?
Whether to own their own homes, and happiness is directly related
to.Life is not in China's cities can not rent, but a lot of citizens' welfare, actually is related to the household registration and home
ownership.And in China, the landlord to tenant has an overwhelming advantage.Traditional and realistic cause, if you want to have a home in the city, must have a suite, the only way to pay for house work, should be built for himself to the nest of reinforced concrete jungle.Considering the shortness of life we like lightning, small dust, although the house is expensive, but is still essential habitats of body and mind. Guide the market to a soft landing is policy priority in the next five years.Accelerate real estate inventory digestion, with the new urbanization push the urbanization of farmers, improve the housing finance system, increase the residents' property income policy has been clear.This means that, at least in the next five years, is not conducive to real estate regulation policy is almost impossible.
First, about the house hold link taxes and fees, such as the property tax, etc., it is indeed the future the main source of local fiscal revenues, but are unlikely to fall to the ground in a short time we cannot increase the residents' property income, and also promote real estate policy orientation deviation of a soft landing.
Second, the limit of credit for purchasing, etc., in addition to a metropolis rare, already exist in name only.While the financial support to buy growing, low down low interest rates, supplemented by the future
possible national housing bank and mortgage loan securitization, efforts to make our can realize the dream that buy a house at a higher financial leverage.
Third, the current China's large margin of safety quality assets are scarce, but cash, on balance, although property prices high, but still high net worth population to cities real estate have confidence and interest.Since the fourth quarter in 2014, shenzhen property market hot in a certain extent, is in line with the property market to build rich atmosphere. Our guess is that the housing market for three years, five years, ten years.The housing market in a soft landing is a trend of
differentiation.Population and housing prices higher metropolis, it may be in the next three years have higher returns for investors.North of guangzhou, and nanjing, xiamen and other minority urban core of residential and office buildings is especially striking.But property prices rose, data point of the country's times have become less likely to recur.If can assess the situation in the next three to five years to invest, know to check, is wise.
Why do you say lazy option is to buy a car?First, if you live in the big city, all kinds of car, taxi and public transportation is very convenient, it is not necessary to buy private cars, a year to run for thousands of kilometers, wasteful and congestion and pollution;If you live in a nice small city, basic private cars is the ornament of encumbrance and vanity.Second, a
car is depreciating can trade goods, while housing provided by the production efficiency is not high non-traded sector.
Before and after 2000, when a santana the value of the price and the beijing-shanghai 60 square meters of housing, but now is not necessarily worthy of housing in Shanghai on a toilet.Of santana 2000 May have nothing, but also experienced 15 years baptism of 60 square meters in the small room could be worth more than 2 million, is worth the price of a sports car.What's more, a car and have room for a person to bring happiness, almost not than.
Our life from work to create and access to wealth is limited, only the clever wealth appreciation value is to consider for a long period of time, before she went to catch in his old, mainly by wisdom, not frugal, to try to close to financial freedom.I don't want to deny that China's property market bubble and risk, but, we can only choose to dance with bubble adventure.