1. False purchasing power overdraws China's future economy.
The seriousness of the housing problem in China lies in the fact that the introduction of the western mortgage purchase method at the beginning of housing marketization has amplified the housing demand and purchasing power at the same time, and the contradiction between supply and demand has worsened. At the same time, speculators and real estate developers control housing, property hoarding, fanning the flames, further aggravating the contradiction between supply and demand and soaring prices. There is a great demand for housing. Housing itself is a necessity. So many people go to town, so many college graduates, so many young people of marriageable age need to get married. There is a great demand. Then talk about purchasing power. As soon as the mortgage loan purchase method appears, it seems that the price is not a problem, and no matter how expensive the house is, people can afford it. This is the root cause of the inflated housing prices. The actual situation is not to mention buying a house in full, that is, 30% down payment is pieced together by many people. After buying it, more than half of the family income will be used to pay the monthly mortgage for 20 years, so the purchasing power formed is false, which is what real estate developers value. With false purchasing power, you can set an artificially high price. It doesn't matter if the price is high. Someone will buy it anyway. He wants not only the money in your pocket now, but also your future. ! !
For a family with a mortgage for 20 years and almost half of its income every month, the family's spending power in the next 20 years can be imagined. There are more such families, so what will boost China's consumption in the next 20 years? China's economy will be seriously overdrawn.
2. The gap between the rich and the poor is widening, and wealth is too concentrated, which affects social stability.
On the one hand, super-high profits make wealth quickly concentrate on real estate developers, on the other hand, ordinary people who can't afford to buy houses complain at a high price, and the two classes quickly oppose each other. I believe many people will be surprised when the latest issue of China Forbes comes out. The richest man is worth 654.38+03 billion real estate. Let's assume that each house earned her 6.5438+0.3 million yuan, so 6.5438+0 million families need to pay for this 6.5438+0 million house at a very high price. The average family of 654.38+0 million is a family of three. In other words, it takes 3 million people's sufferings to become the richest man in China130 billion (of course, only those who buy houses here are counted, and we don't count those who can't afford to buy houses here). How much has the richest man of 654.38+03 billion contributed to China's economy and society? The actual contribution is limited. If we insist on the greatest contribution, it may be that these newly formed economic oligarchs will use their huge sums to interfere in the country's political and economic strategy! Then the dissatisfaction of these 3 million people, as well as the decline in the consumption capacity of other items after buying a house, will bring great damage to the national economic and social stability.
3. Raise the price level, increase the labor cost and reduce the international competitiveness of manufacturing industry.
The overheating of the real estate market leads to the rising prices of a series of resource-based materials such as steel and building materials, which in turn drives the production costs of the whole society. The higher the production cost, the higher the price of daily necessities. The rise in house prices is accompanied by the rise in rent. The higher the cost of living, the higher the salary. The salary 1 000 yuan rose to 1, 300 yuan, the rent rose by 200 yuan, and the daily necessities rose by 1 000 yuan. I still live in my old house and eat the same thing. My life has not changed. But the wages of employees in the enterprise have increased, so I will buy production. Then someone will ask where all the money has gone. I went to the real estate agent and the wealth was redistributed!
4. The situation of late marriage will be more serious, and even there will be the problem that most people of marriageable age can't get married.
This situation is particularly serious in the marriageable age group after graduating from university expansion. Once favored children bid farewell to their parents, rural areas and small counties, and came to the city alone to study, work, struggle and dream. My parents' savings were exhausted when I was studying, and even many of them were heavily in debt. When looking for a job, it is difficult to find a job in the face of competition from graduates of the same period; The starting salary after work is low and the cost of living in the city is high. A few years later, when they reach marriageable age, the current social concept talks about houses first, so what do they buy houses with? Get married with what? With the rising house prices, this problem will get worse. This group of people with higher education is the cornerstone of our social development. Once their dreams are shattered, our social economy will face collapse.
Family is the cell that constructs society. Once cells grow slowly, the whole society will face ischemia and aging.
5. Overseas capital speculates on real estate and hollows out national wealth.
Foreign real estate speculation is the biggest harm to China's economy. With the rise of RMB, a lot of foreign hot money has entered China through legal or illegal channels, but they only speculate in the stock market and real estate market, without setting up factories or investing. Let's take real estate as an example: a foreign investor will not move to China because he has no housing demand. Real estate speculation only allows people who really need housing in China to take over and pay for their profits. A house with a price of 5,000 yuan/square meter was sold to 10000 yuan by foreign investors, with a price increase of 5,000 yuan. But the house is still the original house, without any substantial value creation, which is useless to the social economy, while ordinary people pay more. In fact, this is also applicable in China. Why are Wenzhou people so rich? That's because the money of the people all over the country has gone into their pockets. I used to see some local municipal governments welcoming foreign real estate speculators with great fanfare, which was simply murder of local people, which was very funny.
6. Increase the corruption of civil servants
Although the salary of civil servants has been rising in recent years, it can't keep up with the speed of rising house prices. Take Xiamen as an example, the salary of civil servants is around 4,000 to 5,000 yuan, while the price of new houses is above 65,438+2,000 yuan/square meter. If you buy 80 square meters, it is 1 10,000 yuan, which most people simply can't afford, especially young people of marriageable age who have just graduated from college and just joined the work. Under the pressure of reality, their position may not be so firm.
7. Seriously affect private entrepreneurship.
Getting married and buying a house accounts for a large part of buyers. These people are generally 25-35 years old. These people were originally in the development stage of their careers, but they bought expensive houses, paid the down payment of start-up funds, and had to face mortgage repayment in the next 20 years. They live carefully and can't move at all. After paying off the mortgage, they missed the age of passion and the best opportunity to start a business. Once people's entrepreneurial passion declines, the whole social and economic vitality will also decline.
Some local governments may be eager for higher housing prices and higher land prices to collect more fiscal revenue, but in fact, the government's fiscal revenue mainly depends on taxes and should not be tempted by land prices. After all, land is limited and this kind of income is unsustainable. This kind of income is unreasonable, at the expense of the interests of specific groups. In the end, the government still has to pay for the rising labor costs and civil servants' wages brought about by high housing prices.
To sum up, the price inflation caused by the expansion of real estate purchasing power must be solved, otherwise it will bring endless social troubles to China. It is precisely because housing prices have hijacked China's economy that government departments may be afraid to take measures for fear that falling housing prices will affect the overall economy and the banking system. However, if they don't take action now and prices continue to rise, they may respond to the sentence: the higher they climb, the worse they fall. When the market itself really peaks, the government can't protect anything. Just mention it to me here, I admire the government's regulation and control policy on the stock market on May 30, if there was no adjustment at that time.
Solution:
The fundamental problem is to solve the contradiction between supply and demand. With demand, it is impossible to block it. Food, clothing, housing and transportation are also one of the necessities of life. Only by living in peace can we live in peace and contentment, and the reasonable requirements of people's lives should be met, which is also in line with the strategic goal of building a well-off society in an all-round way. Then we mainly work hard on the supply side.
1. Increase market supply
Increase the supply of housing land
Fight against hoarding and not building. Store houses, but don't sell them.
2. Decentralized demand gives priority to supply
Increase the construction of affordable housing and divert the demand for commercial housing.
Increase the construction of secondary cities and ease the pressure of population moving into big cities.
Strengthen social propaganda, change the concept of getting married and buying a house, and at the same time, should we increase the concept of getting married and buying a house on the basis of affordable housing, giving priority to young people who marry late?
3. Strictly control the profits of the real estate industry and squeeze out the inflated housing prices.
Unrealistic profits may create great wealth for a few people, but at the expense of the interests of the general public. Social wealth should not be redistributed in this unreasonable way.
Originally, according to the laws of the market itself, once the profits of a certain industry are too high, there will be a lot of social funds to follow up, increase production capacity and lower prices. In the end, the profit of this industry will be equal to the average profit of society. However, in the case of land acquisition, ordinary small investors have been unable to enter the market, forming a de facto monopoly. Several large families won large areas of land in advance and took out a small piece of land for social auction. Large households jointly get a sky-high price, and then refer to this sky-high land price to include the large area of land obtained in advance in the land cost of the real estate. Can the price of the house be calculated like this? Plus false company expenses, operating costs, wage costs, etc. It is difficult to set the house price at these high costs.
Chinese medicine pays attention to "virtual reality" to restore health, so should the government return the house price to a real face to reply?
Socioeconomic health?
4. Combat speculation, especially foreign speculation.
Housing and food are necessities of life. Why does the government not allow hoarding and speculation of food, but turn a blind eye to the crazy speculation of housing?
The most radical way is to make the property lose its speculative value. For those who buy and live for less than 5- 10 years and then sell, compare the bid-ask difference, deduct the price level and bank interest rate in the same period, and levy a high speculation tax on the profitable part, or even levy it in full, making speculation unprofitable. People who want to invest can invest in storefronts, factories and office buildings.
If the above effect is still not obvious, then we can only adjust the mortgage method, greatly increase the down payment ratio, and completely solve the problem of high purchasing power.