What's the latest news about the trend of house prices? Misunderstanding of the trend of housing prices?

Because the rising housing prices in recent years have put a lot of people under great pressure, and for a long time, the market has been spreading some false statements about housing prices, but as long as you understand them carefully, you will know some opinions. Let's talk about the latest news about the trend of house prices. What are the misunderstandings about the trend of housing prices? Let's study together.

The latest news of house price trend

One of the dead spots: buy up and not buy down.

From June, 5438 to February, 2008, real estate declined. Some people suggested that those who need to live in their own homes could consider buying a house properly, and some people bought it, which was very happy. However, some buyers believe that real estate prices will continue to fall and insist on waiting. However, when the real estate price rose by 20% in 2009, they were anxious. They are afraid that if they don't buy it, others will buy it, and it will rise even higher, so they rush to buy a house regardless of the price, and they have hundreds or even hundreds of thousands out of thin air.

The housing market will never have a top and bottom, and no one knows how much it will fall and how much it will rise in the future. Rising is the beginning of falling, and falling is the harbinger of rising.

Solution: When people around you are buying houses in the market, don't join in the fun. Because there is a price to pay for joining in the fun. When others panic, they must be greedy, buy when they fall, and sell when they rise. Only in this way will we not waste our hard-earned money in vain.

The second dead point: do not study national policies and blindly enter the market.

People who experienced the ups and downs of the real estate market in 2007 should not forget that if the government does not take action, the real estate price will be very high. In 2009, when the national encouragement policy was introduced, we should realize that it is inevitable that the real estate price will start to rise. This shows that the real estate price is completely under the control of the government.

Solution: Buy when the policy encourages relaxation, and pay close attention when the policy control begins to tighten. Because these national policies are directly related to the market reaction.

house price

The third point of death: save enough money to buy.

This is a wrong idea. In fact, it is because there is no money that you have to buy a house, otherwise the result will be that when you save enough money, it will not be enough. Many ordinary people are saving enough money to buy a house every day, and some are even stupid enough to pay the full amount. In fact, to a certain extent, we must master the trick of buying a house. The lower the down payment, the better, and the longer the monthly payment.

The opportunity for ordinary people to get state loans is mortgage, and the interest on buying a second home is so favorable. Of course, we should also keep enough cash in hand.

Solution: Spend as little money as possible to buy a house. Even if you have enough cash on hand. If you have 500,000 cash, don't spend 500,000 on a 500,000 house. Only 654.38+ ten thousand yuan is enough. You have to use the remaining 400 thousand. If you can't earn interest on bank mortgage for 400,000 yuan a year, it can only show that you don't even have basic financial management ability. Whether investing in the stock market or other things, 400 thousand earns 30 thousand to 50 thousand a year, which is much higher than the interest of bank loans.

The fourth death point: passivity

After seeing how much the house has risen, many ordinary people feel that they have worked hard for many years. It is better to fry a suite and earn more money, so they can't help but join this team. I didn't know it was a very professional job, and I was accidentally quilted. Because the procedures for realizing the house are complicated, taxes and fees are numerous, and the cycle is long, you will find it difficult to get rid of it when you encounter adjustment or inaccurate vision, and then you can only passively become the landlord. Spending money, wasting time, affecting work, and being exhausted afterwards is not worth the candle.

Solve acupoints: never have the psychology of short-selling speculation. Have a long-term mentality. If you want to participate in real estate, you can choose to join the real estate finance club and let professionals help you make money, which is also relatively stable. If you want to do it yourself, you must do research in many ways, do your homework, and have a plan for your own funds for at least two years, that is to say, you will not worry about the problem of insufficient supply within two years.

The fifth death point: superstitious scholars

Now so-called scholars are flying all over the sky, and people in all fields are studying real estate. But every so-called speech must have its roots behind it. As long as we look at these environments carefully, we will know who he is speaking for.

Solution: Ordinary people must be sober on this issue, and don't be superstitious about so-called scholars who talk on paper all day and have no actual combat experience (to some extent, to achieve real results, it is better to listen to a reliable and experienced first-line real estate agent). His remarks can only be used as one of the macro reference indicators.

The sixth dead point: buying a house can be in place at one time.

This is another concept that makes many ordinary people make mistakes. Some people even spent a lot of money for the so-called one-time occupancy, and later found themselves wasting it when they sold their houses. Modern society is a pluralistic society, the economy is developing, and all kinds of new things emerge one after another. Many things are changing. Maybe you think so today, but in a few years, your personal family, work, occupation, economic income and so on will change, and then your plans and ideas will be different.

If you have good economic conditions, you will certainly not be satisfied with improving your living conditions; If your economy is bad and your house is ruined, why not sell it for cash to develop your personal career?

Acupoint solution: once in place is just your current fortune-telling idea, and anything may appear halfway. I suggest that you only plan for 5-8 years. What will change in five years, no one will ever know, good or bad will definitely exceed your blind imagination now.

The seventh death point: superstitious advertising language

Many people get information about buying houses through various real estate advertisements. I don't know that real estate advertising is a good wish for real estate developers to hire screenwriters. Whether this wish can be realized depends mainly on the strength and conscience of developers.

Solution: Go to the site for on-the-spot investigation, visit and analyze, consult reliable professionals, and find the old owners to understand the real situation.

Death point 8: only buy expensive ones.

Only real estate prices. Everyone knows that there are no good goods. Expensive must have expensive value. And the real estate market will always be: more and more expensive, more and more expensive forever.

Solution: It is easy to change hands in the future. If you really have no money on hand, bad purchases are also debt assets.

Nine dead holes: renting a house is not as good as buying a house.

This problem is also a problem of many ordinary people's ideas. Many people have been arguing and talking a lot. If it is a bubble asset, it will be a big loss if you buy it. Let's calculate an account: there is basically a big gap between the monthly supply and funds of commercial housing.

According to our survey, the rent for a house with a monthly payment of 5,000 yuan can only be around 2,500 ~ 3,000 yuan. The down payment for buying a house, plus decoration, furniture and electrical appliances, is at least 200,000 yuan or even several hundred thousand yuan in the early stage, and monthly payment (tens of thousands of yuan a year). But if you rent a house for one or two years, the rent will be tens of thousands of yuan. Do something with these hundreds of thousands, and you will definitely earn more money than you pay the rent.

Solution: Choose to buy or rent with reference to the eighth dead point.

The tenth point of death: look at the future with the eyes of the present

This is another obvious conceptual error. Many ordinary people follow panic inflation without knowing what inflation is and why. In fact, some houses have completed inflation ahead of schedule. A good future now is not necessarily good.

Solution: Look at the present from the perspective of the future. Don't buy a house that is overdrawn for many years to come. This is very important for the planning of the location of the house. Even if it is not good now, as long as you know its plan, don't worry. Buying a house for self-occupation is a kind of. If you want to buy a house, there must be risks. How to minimize the risk and turn it into value is something that every ordinary person who wants to buy a house should calm down and think and learn.

Misunderstanding of housing price trend

One of the misunderstandings of housing price trend: housing prices have risen sharply for ten years, and people who have bought houses have made a lot of money.

This is a typical investment mentality. Families with one suite account for the majority in society, and it is unlikely that the average family will make a profit after the huge rise in house prices. After all, China people have a deep-rooted concept of living and working in peace and contentment. The practice of selling houses and renting houses to make money may require advanced investment concepts. Therefore, no matter how much your house has gone up, as long as you don't sell it, you can't realize this kind of income. This is what we often call paper wealth.

From this point of view, although the house price has risen a lot, it has no substantive significance for most families with only one suite.

The second misunderstanding of housing price trend: well-known economists say that housing prices will rise.

Just because an economist is wise in some fields does not mean that he is good at all economic problems. The more famous an economist is, the less time he has to study. When you hear that house prices will triple in 10, and will increase for another 20 years ..., be sure to analyze it carefully and don't believe it. Before the Korean War, Rand wanted to sell the US government seven words: China would send troops to Korea. Although there were only seven words and hundreds of pages of materials to explain them in detail, the American government was reluctant to part with the money and did not buy it, resulting in a head-on blow. I'm afraid these remarks are not based on detailed materials, right?

Yang Xiaokai, a famous economist, once said: Some scholars in China are not short of wisdom, but have no conscience. 1998 why didn't these people say that house prices would double? Can they guarantee the rise of house prices for buyers? Did the person who said that the stock market was going to rise to 3000 points compensate the investors who lost money, even if it was a penny?

The third misunderstanding of housing price trend: the government strictly controls land, and housing prices will rise.

According to the second quarter land supply plan announced by Beijing Municipal Bureau of Land and Resources, compared with last year, the total amount of residential land is planned to be reduced by 450 hectares, including 200 hectares for affordable housing projects and 250 hectares for commercial housing.

On the surface, if the land supply plan drops, the house price will rise. Actually, it is not, because the reduction of land supply will inhibit the growing activity of the new housing market, thus indirectly promoting the development of the second-hand housing market in Beijing, so the reduction of land supply will inhibit the price of new housing, and only the price of second-hand housing in Beijing will rise.

The fourth misunderstanding of housing price trend: once and for all after buying a house.

According to the law of China, the owner owns the building, but has no ownership of the house and land, and only has the right to use it for 70 years. Moreover, the house has been built for 3 years, and the owner has only 67 years of land use rights, and only 65 years after being vacant for 2 years.

As for whether to pay the land use right fee to the state again, or to use it for free in the future, or to recover the right to use it by the state, this is still a blank in law. Therefore, when buying a house, buyers should not only look at the location and transportation of the house, but also look at the term of land ownership.

The fifth misunderstanding of housing price trend: land is a non-renewable resource, so housing prices will rise.

In fact, not only land, but also oil, coal, iron ore and uranium ore are non-renewable resources. But will these things go up all the time without falling? Is it because the international oil price has skyrocketed and plummeted that it has become a renewable resource?

The sixth misunderstanding of house price trend: when the cost of building materials rises, house prices will rise.

According to estimates, the cost of building materials only accounts for 20% of the house price, and steel is not the only building material in the house, so the proportion of steel in the house price is even lower. The steel consumption per square meter of brick-concrete buildings is only 10 ~ 30 kg. Therefore, the rise in steel prices has little effect on the rise in housing prices.

At the same time, steel prices have risen for several years in a row, which also makes enterprises invest heavily blindly. The capacity of steel projects completed this year alone will be as high as 465,438+tons, while the output of pig iron in China in 2004 was only 250 million tons. In the medium term, steel prices will fall instead of rising. Recently, the price of steel in the market has dropped by nearly 1000 yuan per ton.

Therefore, the rise in steel prices is not the reason for the rise in housing prices.

The seventh misunderstanding of housing price trend: with the increase of economic development income, housing prices will also rise.

Yes, China's income has increased rapidly in the past two years, but if a person's annual income is 30,000 yuan and the house price is 900,000 yuan, it is equivalent to his income for 30 years. However, houses are different from ordinary consumer goods, and they need to be purchased with savings of 20 or 30 years.

If a person's annual income is 30 thousand, a house price is 600 thousand, which is equivalent to this person's income for 20 years. If the income and house price increase by 15% every year, there will be only 3,073,500 savings after 20 years, but the house price has already risen to 8.54 million. Therefore, the price increase should be much lower than the income growth.

All the latest news and misunderstanding information about the trend of house prices, at present, when we buy a house, whether it is because the house price has been rising or falling, we must be cautious in the process of buying a house, so as not to be cheated, which will lose more money.