First: the government is the biggest developer, but I can tell you that the government is only the biggest beneficiary, not the developer, and it is only a matter of time before it stops. Once new economic growth points are found (such as emerging industries like IT), it is only a matter of time before we give up the sensitive livelihood topic of housing. The emergency economic conference at the end of 2009 has strongly released this signal, with 7.5 trillion yuan or more invested in finding emerging engines. The reason why we haven't given up the real estate industry yet is obviously that we haven't found a new way out. No government is stupid enough to risk Latin beautification to engage in economy. Shanxi's state-owned coal is a precedent, and it will not be a big problem to bring down several businessmen then.
Second: the bank is the biggest victim (what if you fall down and don't repay the loan). People who hold this view simply want banks to provide individuals with other housing prices besides down payment. This is a complete misunderstanding. Except for zero down payment, you can basically give up this stupid idea. Because no matter how much, 30% or 40%, it is possible for individuals to borrow the difference from the bank first and then pay for it themselves, but is it 100% between the bank and the seller? The answer is no, it's just a "transfer" and the money is still in the bank's hand. Sellers can't run around the street with 100% banknotes. The bank won't lose a penny on the day when it puts down its abandonment. As the first creditor, it can not only control this risk, but also recover the house from those who refuse to repay the loan. The second and third sales can always make up for the book deficit. Mortgage loan has a history of more than 700 years today, and no bank has closed down because of non-repayment. The banks with loan problems in the United States are all credit loans, which has caused a leverage bubble in financing, just like mortgage loans. At the same time, it is precisely because this 30% or N% proves another problem. The actual safe house price is now 30%. As long as 30% is recovered, the bank will break even.
Third, the buyer does not accept it and makes trouble. You don't say! The misunderstanding is too big. In cities, the holders of housing reform houses and policy houses account for the majority, while the holders of commercial houses account for a small proportion. Many commercial housing owners have also sold their previous commercial housing, and there is not much money. Only a few people really lose money, they can't stand the wind and waves. On the contrary, under the pretext of "public opinion", they can easily become the targets of the poor and be reused. Now, housing distribution and fund-raising for building houses have never stopped. If you buy it, for example, 65438+ 10000 meters, many people only buy a few thousand dollars, and there will be no loss. This is only a nominal price drop.
Fourth, the interests of officials are damaged. It is even more nonsense. Buy tens of millions of villas, you can't spend a penny less. Many officials, red-top businessmen and relevant stakeholders can buy hundreds of thousands. So what if they fall to half? Their money won't be damaged, and they can still get a good reputation. Why not?
Fifth, local government land finance is a real game with the central government, but fortunately, centralized countries really need to change hands. Anyway, it is impossible to put the money directly into the pocket of any local official. Just find another way.
Sixth, it will cause an economic chain reaction. Then you can think the other way around. Did the economy collapse when there was no monetized housing? As long as industry and agriculture are not hit by nature, it is no problem for the economy to maintain a good situation. Maintaining housing prices is just the way to destroy these countries. No country wants to do this for a long time.
Seventh, the misunderstanding of urbanization process. It is believed that urbanization is to build China into several cities, such as Beijing, Shanghai and Guangzhou, to attract population. On the contrary, the urbanization mentioned by the government is to build backward areas into new villages and towns, and there may be short-term real estate speculation to raise prices, but in the long run, the trend of slowing down after this cake is diluted is very obvious.
Eighth, frequent land kings, how can it collapse? It is this "frequent occurrence" that shows the wisdom of the government. Let's first look at what kind of enterprises Diwang is, state-owned enterprises, and that is to establish a so-called security buffer zone. The promotion proposal was received by the government. If they are all private enterprises, it is a precursor to the skyrocketing that private enterprises get the land king. The government is prepared to do so. If you can continue to sell at a high price, sell at a high price. Why not? If you can't continue or find a new way out, you will be suppressed. Anyway, the back door of state-owned enterprises is connected with the front door of banks, and there is no debt problem. This is a sharp weapon that only our country can use. As long as the accounts are balanced, there will be nothing missing, and the interests of both sides will be accounted for.
Others, such as hot money and foreign investment, are not worth mentioning. They are just a corner on the big ship of China economy. In addition, China people's income savings are relatively high. Although they don't have much money, their ability to resist risks is not bad. This is better than America and Europe, but the follow-up guarantee is poor. Just protect yourself.
Said a lot, just as a homeowner's opinion. In fact, for everyone, the attitude towards any economic affairs is actually a hint that you should hold the attitude of how much money to do. Don't put all your wealth in one basket. Various ways can be considered to reduce the impact of economic changes on life, such as increasing savings, taking the rest of the money out to buy a house, buy stocks and sell antiques. Moreover, the first way to manage money besides saving is to invest in industry, not in bricks and tiles. I hope you will consider this aspect more.