readx;

"There are very few people who really don't have a house in the city, and there are even fewer people in small cities, and everyone has a house of their own, or at least a house of their own, and there is a difference between a little bigger and a little smaller, and there are very few people who don't have a house at all, and they want to improve their housing and buy a house: and then there are the next generation of urban residents, who are married or moved out of their homes, and need to buy a house. This part of the population should be the main group of house buyers: the other is the farmers who work outside, for the education of their children or for the convenience of their own work, they need to buy houses: then there are those who have money in the town and want to go to the county to buy a house, those who have money in the county want to go to the prefecture to buy a house, and those who have money in the prefecture want to buy a house in the province. Pen "Fun" Pavilion www.biquge.info

"The part of the people who do not have housing in the city is often the real difficult group in the city, this part of the people, in fact, the housing prices do not rise, and they have nothing to do with them, the real suffering group, even if the housing prices do not rise, they can not afford to buy a house, buying a house can only be a beautiful dream for them, and the price increase, but let them become more distant from the dream: the proportion of this part of the people is not high, about one or two percent: and those who go to the city to work, they are more likely to choose to rent, conditional, I also choose to buy a house, housing prices have a lot of impact on them, it is likely to make their dreams unrealizable, however, I think this is not a very critical point, housing prices are high, there are fewer migrant workers in the city who are willing to buy houses, and low housing prices, there are more migrant workers in the city who are willing to buy houses, a reasonable person is able to do what he can, has an impact on this part of the people, but it is not absolute, after all, farmers at home, there are also their own land and housing people who choose to go back to their hometowns to repair houses, that is still the mainstream, Although there are many people who want to stay in the city, the proportion is not too large. As for the group of people who look at a mountain high, they can't consider it and don't need to think about it, these people often have their own housing in the town, and then want to go to the county to buy a house, have a house in the county, and want to buy a house in the city, although people go to a high place and the water flows to a low place, this idea is not wrong However, this part of the housing demand is obviously not necessary, if it can really fully meet this part of the people, then the demand for housing is too great, almost, each family considers two suites, and these people buy houses, There is not much value at all, many people who work in the town buy a house in the county, and they go out to live for two days on the weekend, and it is a complete waste to be empty at ordinary times, besides, since they have the money to buy such a house, they are not bad for money, at least, they are not bad for the money to buy a house, they buy a house, in fact, it is more of an investment: and urban residents with poor housing, as well as those who get married or move out of their homes and need housing, this part of the people are the real victims of rising housing prices. The demand for housing can basically be regarded as rigid, which is the so-called rigid demand. "What the society should really pay attention to is this part of the people, many of these people are laid-off workers, low-income groups in urban areas, they take the income of migrant workers, and they are even far inferior, they can't engage in high-intensity manual labor, they can only do some ordinary jobs, such as shop attendants, they don't have land, they don't have formal jobs, say they enjoy the national policy, they have some gaps from the subsistence allowance, and our subsistence allowance policy, the scope of protection is too narrow. And the standard is too low, more than two hundred, what can be done in today's society? However, the insurance they pay is according to the standards in the city, just like medical insurance, urban residents and laid-off workers pay their own medical insurance, more than 1,000 a year, more than 1,000, these low-income people have to work for almost two months, but how much is the rural cooperative medical insurance? 1 Anhui money, the proportion of reimbursement is the same, but also to pay social security, they work in the unit, often do not buy social security, social security has to pay their own, now social security is also about three thousand, which has to be three to four months of their salary, equal to half of the year have paid medical insurance and social security, therefore, most of them do not buy insurance at all, in Pei County, I have a general understanding, family income in about 2,000 yuan of people, there is a large proportion, even if they save a year, that can save a few thousand yuan at most, Even if we are 5,000, now, even in the town, the house is tens of thousands, the county usually has 100,000, 780,000 can buy a smaller one, even if it is 70,000, the down payment is 30%, then it has to be 20,000, the current house, are all clear water houses, there is no door, you have to decorate it, I have seen a few of the simplest decorations, that is almost more than 10,000, we don't count the furniture, this also has to be more than 30,000, a year 5,000, but also have to save for six years: and a mortgage of 50,000, even if the mortgage is 20 years, That's more than 300 a month, which is almost the limit of what they can afford, but people's lives are not just about houses, but also about other things, education, everyone has children, or there will be children, and no one dares to say that they are not sick. "However, the proportion of this part of the people, also not very large, at least, among urban residents, the proportion is not too large, can not occupy the majority, probably, it is about 10 percent, of course, this has not been carefully counted, just according to my own estimate: the real need to buy a house, in fact, should be the kind of people who originally lived with their parents, or got married and needed to buy a house, this part of the population, is the biggest demand, of course, originally lived with their parents, need to move out, this group is not large, The main thing is to get married and buy a house, and this part of the people, in fact, is the most difficult to say a group, it stands to reason that this part of the people, in fact, should not buy a house, our country's marriage age is generally young, many people just joined the work soon after getting married, how can there be money to buy a house just after joining the work, even the most developed countries can not do it, but, this is another practical problem, we can not help but consider, now there is no house, others who want to marry you, even if the girl agrees, the girl's parents will not agreeOf course, the pressure on girls at home is less, and those children are still young, and they will not think too much about this issue, at least, they will have to be more than ten years old to think about this problem, so that the whole proportion is not much higher, I probably investigated it, urban residents really need to buy a house, should not exceed 30%, and the part of people who need to improve housing, their pressure is relatively smallerAfter all, they originally had their own housing, and to improve their housing, they needed much less money. "Most people want the house to rise, and there is no contradiction between controlling the house price, it is precisely because most people want the house to rise, so the house will go crazy, and it is precisely because of the crazy rise in house prices that most people will be crazy into the army of house buyers, at this time, the house has become a commodity, rather than a simple place to live, just like a material, in fact, it is not too scarce, at least, can barely maintain the supply, but, if suddenly it is rumored that the price of this kind of thing is going to rise, you say, people will do this?" Liu Gang shook his head and continued, "People who hear the news will immediately buy some and store them, and with their purchases, more and more people will join the ranks of buying and storing, which will eventually lead to the scarcity of goods, which will lead to more people buying and storing. ”

"The house is actually the same truth, the house is not so nervous as imagined, but, buy up not buy down, this is the mentality of most people, with the house prices rising year after year, so that more and more people are invested in the army of buyers, which will inevitably lead to the scarcity of houses, which will continue to lead to rounds of price increases, of course, this is just the law of nature, more are those merchants, speculators, they use various means, to create a situation of house price increases, so as to attract more people to buy, Further raising housing prices, the government is also fueling the fire, so that housing prices rise round by round. ”

"Then my husband said, how long can this house go up?" "How long has it been going up, maybe, this is just the beginning!" Liu Gang shook his head worriedly.

"Just getting started!" Lin Xiaomu looked at Liu Gang, what Liu Gang said, although she didn't think about it so much, but, as a business, her sense of smell is also keen, she feels that the house will rise, but she really doesn't think that how high this house can rise, the actual value of the commodity, after all, is there, once it is completely detached from the actual value, this is facing a sharp fall.

"If it's just the speculation of businessmen, the value of a commodity, then there may be a limit, but now the price of the house, is not only the speculation of businessmen, he joined the government's factors, and the government occupies an important role in this, because the government is the most hopeful that the price of the house will rise, businessmen speculate on housing prices, and what they earn is not money, but houses, the more the house rises, the more they buy a house, and their money is all used to buy a house, not only cash, but also a large number of loans to buy a house, even more and more loans, people will be addicted to making money, it is difficult for them to give up this lucrative industry, the more they earn, the more ambitious they will be. And the real money-making is the government, taxes, land transfer fees, all kinds of fees, they have really entered the finance, the other is the bank, the bank's crazy loans, high deposit and loan spreads, so that the bank has made a lot of money. Of course, even if the government intervenes, the price of this house still has a limit, but this limit may be extended indefinitely, and the longer it drags on, the greater the harm to society and the country. "Sooner or later, the government should realize the dangers of high housing prices and will regulate them." "Yes, the government will regulate, now, there are rumors of this, some scholars and some leaders, have been aware of this problem, there have been several reports in the newspaper, calling for an increase in the proportion of down payments on housing loans, demanding the rectification of the land market, I believe that it will not be long before this kind of policy will be introduced. However, I think that this kind of policy should not be too tough, it is more of a policy to guide xing, it will not have much effect, if nothing else, the government will take the lead in resisting, and now the performance appraisal is mainly GDP, what can increase GDP the most? What else can there be besides real estate? In addition to GDP, it is the image of the place, what can affect the image of the place the most, or real estate, a city with many high-rise buildings, a magnificent city, and an ordinary city, who makes the leaders like to see more? In addition, the huge amount of financial revenue brought by real estate also gives the government more money to change the face of the city, and other political projects, do you say, they want the real estate market to be deserted? "Besides, who is the main body with a second suite now? Although some of the demolition households have also made a lot of money, our land is more expropriated by the government and then sold off, and most of the demolition households have not received more benefits, and moreover, these people, after all, are a small number of people, and they cannot become the subject. After a slight pause, Liu Gang continued, "Now there are important groups of people with two suites, which are civil servants, personnel of public institutions, managers of state-owned enterprises, not only leaders of state-owned enterprises, but also ordinary managers of state-owned enterprises, and even a group leader. It is also enough to influence the policies of local governments, and they will do everything possible to influence the policies of the government for their own interests. "What does my husband mean that this house price will rise significantly?" Lin Xiaomu's eyes lit up slightly.

"And, it's going to grow faster and faster." Liu Gang said in a low voice.

"Husband, you really don't plan to use this money now?" Lin Xiaomu asked suddenly.

"Why, you still want to invest in real estate?" Liu Gang naturally knew Lin Xiaomu's thoughts.

"Anyway, you don't need it now, make more money, and it will come in handy at that time, right? Besides, if we don't earn it, others will earn it. Lin Xiaomu said with a grin...