Tian Guoli said that no matter how low the house price is in the future, it will be difficult to really solve the housing problem of the working class, especially to meet the housing needs of ordinary people, migrant workers without savings and new citizens. They need to rent a house to solve the problem in the future. Since the 18th National Congress of the Communist Party of China, we have emphasized that we should take people as the center, rationally regulate the housing market and adopt a new model.
"Now the rental ratio can reach more than 10%. Our goal is to increase the occupancy rate to over 30%. There should be a fundamental change in the real estate market in this country. " Tian Guoli said that in the final analysis, it is still necessary to implement housing and cannot speculate.
Tian Guoli said that the real estate problem is actually a worldwide problem. After Japan's real estate bubble burst in the early 1990s, it had a far-reaching impact on the economy. The subprime mortgage crisis in the United States also stems from the real estate surplus.
"Fortunately, we have some policy and institutional advantages." Tian Guoli said, but how to gradually transform this advantage into economic kinetic energy for sustainable development through financial marketization? We feel more and more that if we continue to design financial products around this, we will see a new scene, that is, many residents will gradually get used to leasing in the future.
Tian Guoli said that CCB has some slogans, the first is "renting a house, looking for CCB", and the second is "the house is for living, and the rent is good". "From the perspective of financial management, renting a house is ok, because people now don't always think about appreciation after buying a house. That era has passed. Even if it appreciates, it is difficult to cash out. Real estate is not a particularly ideal asset transaction. With the maturity of the China market, the era of relying on leasing will definitely come soon. "
Related Questions and Answers: Related Questions and Answers: Tian Guoli, Chairman of CCB: Buying a house now is a high-level takeover, and you can't make money. What do you think of this? Is it a high-level takeover to buy a house now? Today, the chairman of CCB pushed the house problem to the stage. First of all, is it a high-level takeover to buy a house now? The answer is obvious. At present, the average household 1. 1 apartment in China is 40 square meters. Of course, this may not include real estate such as small property houses. How many houses are there at present? There must be a lot, so is the house price high now? For example, the income ratio of houses in China is higher than before the Japanese bubble, and a house basically overdraws a person's career, so the problem is more serious. Secondly, the chairman of CCB listed the total value of real estate and loans in China, which was many times higher than that in the United States. Some people say that China and the United States have different national conditions, and China people have a heavy concept and have no concept of renting a house. According to this logic, the economic aggregate of the United States is much larger than that of China. Shouldn't everyone buy several sets? But what about the result? In fact, we are looking forward to buying a house, and the expectation is not bad. As long as it continues to rise, we feel safe. Third, after 30 years of development, CCB has become a leader in the mortgage market. This view is put forward at this time because the future market will definitely change to the direction of both renting and selling, and the motivation behind CCB's entry into the leasing market may not only be high housing prices. Finally, if the house starts to go down, no one can change the expectation under the expectation. If Japan and the United States can be changed, there will be no economic crisis at that time. Therefore, there is no problem in renting or buying if the expectation has not changed. If expectations change, there will be problems in renting and buying.