First, basic understanding: Beijing's four echelons divided by districts.

Second, the characteristics of the property market: understand these four points, it is easy to buy a house in Beijing.

Third, the school district: don't touch the school district if you don't know Beijing.

Fourth, the choice of purchase area.

5. Second-hand housing loans and taxes: What is the most cost-effective loan method?

Views of intransitive verbs on Beijing property market

First, basic understanding: Beijing's four echelons divided by districts.

After the merger of Chongwen and Xuanwu, there are 16 districts in Beijing, which can be divided into four echelons according to the development and orientation of each district:

The first echelon, the core area of Beijing (the old city): Dongcheng District and Xicheng District.

This is the core area of Beijing and the urban area in the mouth of old Beijing. In the concept of old Beijing, only when you enter the East and West Cities can you be considered a Beijinger. Naturally, it is also the place with the longest history and the most expensive house price in Beijing.

The second echelon, expansion area (new city): Chaoyang, Haidian, Shijingshan and Fengtai.

The new urban area surrounds the east and west cities. Half of Beijing's population is in these four areas, and it is also the main destination for migrants. Among them, Chaoyang District and Haidian District have the best development.

Shijingshan is only a little bigger than Xicheng. This used to be an industrial base, but now it is a residential area. Fengtai is chaotic, and most of the second to fifth rings in the south of the city belong to Fengtai. Compared with Haidian and Chaoyang, the development of Fengtai is relatively backward.

The third echelon develops new areas: Changping, Shunyi, Tongzhou, Daxing and Fangshan.

These five districts are the suburbs of Beijing, where 30% of the population lives. The house price is less than half of the urban area, which is the place with the highest "cost performance" for just buying a house.

The fourth echelon is the outer suburbs of Beijing (the so-called ecological conservation development zone): Mentougou, Pinggu, Huairou, Miyun and Yanqing.

You can't even get to the subway. People who live in the suburbs think it's a suburb, belonging to a corner area that grandma doesn't kiss and uncle doesn't love.

Now, Beijing urban area refers to six urban areas. On the basis of the core east-west urban area, four new urban areas are added, and 80% of Beijing's educational, commercial and medical resources are concentrated in Xiaoliu urban area.

Second, the characteristics of the property market: understand these four points, it is easy to buy a house in Beijing.

1. Four different development directions of six urban areas

There used to be a saying about the old city of Beijing that "the east is rich and the west is expensive, and the south is poor and the north is cheap".

In the east of Beijing, there is a famous Beijing-Hangzhou Grand Canal, where businessmen and rich people gather.

The environment in the west is good, and many dignitaries live there. There are many people in the south, and many people in the north are hardworking workers, so they are called "poor in the south and cheap in the north".

Now, of course, it's different, and it can also be simply summarized in one sentence: "East merchants learn from the West, and the south is light and the north is heavy." There are many commercial, financial and entertainment places in the east, and both Guo Mao and Sanlitun are in this direction.

Education in the west is very strong. From primary school to junior high school, high school to university, Xicheng and Haidian account for most of Beijing's top educational resources, and a large number of top universities such as Tsinghua Peking University are here.

The east and west sides have not changed much as a whole, and have always been a gathering place for advantages. The north has developed rapidly in recent years. Zhongguancun and Shangdi are here, and a large number of well-known technology enterprises such as Tencent, Sina, Netease, Huawei, Lenovo, Baidu and Tsinghua Tongfang have gathered. Driven by science and technology, a large number of related industries have moved to the past.

Starting from the Fourth Ring Road, the north is superior to the other three directions in Beijing. Although the south has also developed, it is still relatively backward compared with the east, west and north. Its core function is mainly housing, and it has disadvantages in education, medical care and industry, which is the worst of the four directions, and the closer it is to the city center, the more obvious this phenomenon is.

These four different development directions are embodied in the six districts of the city and are not applicable outside the six districts of the city.

2. The Fourth Ring Road is the world of old houses.

Beijing, the capital of a country, first thinks of high-rise buildings.

However, due to historical and political reasons, there are actually only a large number of high-rise buildings around Guo Mao. The closer Beijing is to the city center, the smaller the house is.

If you want to buy a house in the center, you can't care too much about the environment, age and apartment type of the house, because 99% of the houses will not be satisfactory.

It's hard to find a house within the fourth ring road and ten years.

In the Second Ring Road, houses in the 1990s can be called "new houses", while houses in the 1950s and 1960s are still on the market. It is conceivable that these antique houses, both in huxing and residential design, are out of date. If you buy the old city, you can't get too entangled in these things.

Compared with the new city, the environment in the old city is poor and chaotic, and the houses are dilapidated. Many of them, rich and poor, have tens of millions of empty houses, but they enjoy the quality of life in the 1980s and 1990s.

Although it is convenient to live and go out, the living comfort is very low and the house price is very high.

For many people, shopping malls, hospitals and schools outside the Fourth Ring Road have sprung up like mushrooms after rain, and the subway has extended. The gap between supporting facilities and traffic with the old city is getting smaller and smaller, and the living environment is more comfortable. It seems that the new house on the Fourth Ring Road will be better than the old house on the Second and Third Ring Roads.

But there is still a lot of land to be developed outside the Fourth Ring Road. So many places in the old city have been built. No matter how old the house is, it is also an out-of-print resource in the core area. The supporting facilities of the old city can be improved, but the distance from the fourth ring road to the center of Beijing can never be shortened.

3. downtown Beijing is not necessarily more difficult to buy.

The closer to the city center and CBD, the more expensive the house price, and the higher the threshold for buying a house. This seems to be our default rule, but it is only half right in Beijing. The house price in the central area will be more expensive, but not necessarily higher.

(1) The threshold for buying a house in East and West Cities is lower.

Although Dongxicheng is the place with the highest housing price in Beijing, Dongxicheng has a kind of "specialty"-public houses.

The purchase of public houses can be based on real loans, and ordinary commercial houses generally need loans below half price. Buying a public house, the actual down payment for buying a house in East and West City is lower than that in Chaoyang Haidian.

What kind of public housing is it? The fifth part will introduce in detail.

(2) The south of Beijing is a price depression.

Pay attention to price depression, not value depression. Due to the disadvantages of education, industry, medical care and other resources in the south of Beijing, and the influence of traditional regional concepts, the same one is tens of thousands cheaper than the three directions of east, west and north, and the second-hand houses in the North Third Ring Road sell for 90 thousand, while the South Third Ring Road only costs more than 60 thousand, with a difference of nearly 30 thousand. Corresponding to the price, the south of the city has no advantage except proximity.

(3) The housing price in Beijing CBD is not high.

Beijing CBD International Trade Center, located in the East Third Ring Road, can already buy a good second-hand house for 80,000 yuan, and it is a house after 2004. On the third ring road, it's a new house.

The second-hand houses in Guangzhou CBD Zhujiang New Town are all close to 80,000, which is the highest price in the city. The CBD in Beijing only sells for 80,000 yuan, which is far from 1 1 10,000 yuan in East and West Cities.

If you can accept the mixture of business and residence, 60 thousand houses will be available. In Beijing, CBD is absolutely cheap!

Although Tongzhou is far away, the threshold is not low.

Although Tongzhou has gone outside the Fifth Ring Road and is close to the Sixth Ring Road, the price of second-hand houses in the central area is still more than 50,000. The same distance is just over 30,000 to the south, over 40,000 to the north and 40,000 to the west. The value of Tongzhou as a sub-center of the city has begun to be reflected in housing prices.

On the other hand, Tongzhou's housing purchase qualification is also the most stringent. Not only do you need Beijing's social security for five years, but non-Beijingers who already own 1 apartment and registered residents in other districts and counties in Beijing have to pay social security in Tongzhou for the last three years in order to buy a house in Tongzhou.

Fourth, the school district: don't touch the school district if you don't know Beijing.

In April this year, various educational policies such as multi-school scribing, computer allocation and "one degree for six years" were successively introduced in various districts of Beijing. What will happen to the school district housing under the bombardment of various policies? Let's have a look.

1. Multi-school scribing has become a trend, redefining the school district.

The three districts with the best education quality in Beijing are ranked by strength: Xicheng, Dongcheng and Haidian. Among them, Dongcheng District, Haidian District and Fengtai District have all determined the policy of "multi-school dicing".

Multi-school scribing: when children enter school, they no longer correspond to one primary school, but to multiple primary schools, and decide which primary school to go to through random allocation.

"Multi-school dicing" means that the school districts in these districts no longer correspond to a certain school. Even if this house used to correspond to a first-class school, your child may be assigned to a third-class school.

Although the progress of other districts is not as good as that of these three districts, according to the "enrollment method of steadily promoting the combination of single-school and multi-school scribing" proposed by the Beijing Municipal Education Commission 20 18, and the policy of promoting "multi-school scribing" clearly proposed by the Ministry of Education in big cities, multi-school scribing will be rolled out sooner or later and will gradually replace single-school scribing, and buying a house as a primary school will become history.

The specific scope of school district scribing in Dongxicheng and Haidian District can be found at the end of the article.

2. Choosing a school and choosing a school district, Xicheng is the best choice.

Dongcheng District and Xicheng District are the areas with the most concentrated quality education resources in Beijing, and the strength of each school is not weak. Even if the "multi-school dicing" is implemented, this prestigious school will not be able to attend, and there are other prestigious schools that can attend, which will not affect the school district housing prices like other districts.

However, for areas with unbalanced educational resources, school districts are dangerous. For example, there are only a few good schools in Fengtai, most of which are ordinary or poor schools, and everyone is unwilling to pay a high premium for the school district.

Although there are top primary schools in Haidian, such as National People's University High School, Tsinghua High School, Peking University High School and Zhongguancun No.1, No.2 and No.3 Primary Schools, there are more ordinary primary schools, and the overall quality of education is not as good as that in the east and west. The unbalanced quality of education will also have an impact on the school districts in Haidian.

On the whole, the best school district is Xicheng District:

(1) The overall quality of education in Xicheng is the best.

The quality of education in Xicheng is recognized as the best in Beijing, and even the poor schools in the area are better than most schools outside the area. Not to mention the best Financial Street and Desheng School District, take Yuetan School District as an example. Among the five schools corresponding to the school district, Baiyun Road Branch, the second experimental primary school, and Fuxingmenwai No.1 Primary School, which are the worst, also have the middle level of Beijing Primary School.

(2) Xicheng is still dominated by single school scribing, supplemented by multi-school scribing, and single school is the main one.

According to the current policy, Xicheng will only carry out multi-school scribing and adjustment in the school district after the school enrollment quota corresponding to the house is full.

On the other hand, Xicheng has fewer students as a whole and there is no shortage of degrees. As long as it is not competing with Financial Street, Desheng's top second experimental primary school and Yuxiang Primary School. Taking real estate as an example, single-school enrollment is basically no problem.

Even the best Yumin primary school in Yuetan school district and the top five primary schools in Xicheng district, which I just mentioned, didn't need to be adjusted last year.

(3) There is no "six-year one-degree" in Xicheng.

Dongcheng and Haidian implement a "six-year degree", that is, the house can only correspond to one degree within six years, and Xicheng has no specific relevant regulations.

That is to say, under the current policy, even if the children of the original owner of the house are still studying, you can still go to school after buying a house, and in theory, as long as there is no school home visit survey, you can completely change rooms halfway.

But to be on the safe side, in order to prevent policy changes, if you buy a house in Xicheng, you'd better choose a school district with no degree, and don't sell the house for the first two years.

3. Buying a school district, primary school is more important than junior high school.

(1) The junior high school district has little influence.

It's hard to say which is more important, primary school or junior high school, but if you buy a school district, it must be a primary school district.

At present, Beijing's junior high school policy is to apply for admission in the whole district and assign places randomly in the school district, which means that even if the junior high school in your school district is not good, you have the opportunity to apply for good junior high schools in other school districts in your administrative area.

Moreover, Xiaoshengchu does not need another property to change the school district in this district. As long as he has a primary school status in this district, he can read junior high schools in this district.

On the other hand, Xiaoshengchu unified the principle of proximity according to the student status. Even in Xicheng, there is no concept of a single corresponding school district.

In fact, you can only choose primary school, and junior high school can guarantee that it is the dish on the "menu" at most, and no one knows which dish is served in the end. No matter how good the school district of junior high school is, its function is not as good as that of primary school.

(2) The policy changes year by year, and junior high school is too far away, so we should seize the day.

In recent years, Beijing's school district housing related policies have changed every year. Even if you choose the best school district in junior high school and finish primary school in six years, no one can say whether your house belongs to this school district.

Instead of understanding the distant junior high school, it is better to grasp the primary school in front of us first.

(3) Special Xiaoshengchu

Some primary schools will have two ways to enter junior high school, namely "nine-year consistent system" and "direct counterpart". The difference between them is that "nine-year consistent system" is 100% direct, and "counterpart direct" is proportional direct.

Nine-year consistent system: from grade one to grade nine, there is no school selection link in junior high school.

Direct counterpart: in the junior high school stage, a certain proportion of primary school students will be directly promoted to strong junior high school.

Through these two ways, we can achieve the goal of promoting to junior high school, but there will be strong and weak (weak primary school strengthens junior high school). If you are interested in the nine-year compulsory primary school or the corresponding junior high school, you should pay attention to the quality of the corresponding junior high school.

At the end of the article, the junior high schools and counterpart primary schools corresponding to the nine-year compulsory primary schools in Dongxicheng and Haidian District are attached.

4. Renting a house also has a school district, but only the minimum living allowance.

The whole of Beijing has been able to rent a house for admission, even in the east and west urban areas, renting a house can also enjoy a degree.

However, the rental conditions are relatively strict, and there are not many families who really meet the conditions.

The specific regulations of registered families in Beijing include: the renter has paid social security for three consecutive years in the urban area, and the payment is invalid; The family doesn't have any real estate in Beijing and can't have a transaction record for three years; Rental housing is formal and legal, and garages, aisle houses and public rental houses are invalid; Strict examination of household registration, the situation that the whole family is not in a household registration book is invalid. Non-Beijing citizens need five certificates: employment certificate of working in Beijing, residence certificate of actual residence in Beijing, household registration book of the whole family, residence certificate of Beijing (or residence registration card within the validity period), and proof of no guardianship conditions at the place where the household registration is located.

Regardless of Beijing's household registration or not, the examination conditions are quite strict. There are many people renting houses and few people who meet the requirements.

Moreover, the rental admission in the six major urban areas of Beijing can only be divided into multiple schools. Even if you rent a house in Xicheng District, you can only wait for someone with a room to enter a single school before computer allocation.

And the order of renting a house is the lowest, taking Xicheng as an example:

Xicheng district gives priority to ensuring that the real estate is carved by a single school of Beijing children held by their parents;

Secondly, the property is owned by four elders (grandfather, grandmother, grandfather, grandmother) of Beijing children;

The rest is the third place, and the rental crowd is the lowest priority.

When the school district is full, transfer the students to other school districts.

As for whether to transfer to a better school? Dream on.

5. Education tends to be average, and the value of school districts is more prominent.

Beijing's intention of balancing educational resources is obvious, and multi-school scribing will gradually replace single-school scribing.

However, the unbalanced regional distribution of educational resources cannot be changed. With the advancement of multi-school dicing, these two changes will occur:

(1) The value of a large number of non-quality school districts will be greatly reduced.

Since it can't correspond to the school, buyers will not be willing to pay such a high school district premium.

There are only two kinds of school districts that some people are willing to pay a high premium: one is to strengthen the education district with a guarantee; Second, school districts with top schools are worth fighting for, such as Zhongguancun Primary School in Haidian.

(2) School districts in the East and West Districts will be more popular. In other districts, it is no longer guaranteed that you can go to a good school. What should I do if I want to go to a good school?

You can only choose the east and west urban areas with the most balanced educational strength, and the schools with bad luck are better than those outside you.

6. If you want to go to a good school, you have to buy a school district.

Multi-school scribing will eventually become a big trend, but the school district is still a school district, and you still have to buy it.

Because: if you have a school district, you may not be able to attend a good school; But if there is no school district, you can't study hard.

If there are no good schools in the whole school district, even if you are asked to find behind-the-scenes relationships, you can't draw a good school. If you want to go to a good school, you have no choice but to study in the school district.

Verb (abbreviation of verb) Selection of purchasing area

1. Pay attention to education: Xicheng is the first choice, followed by Dongcheng and Haidian. If in doubt, please read the previous section in detail.

You only need to buy a house in the area where you live and work. On this basis, we can combine the following two points:

(1) Want to be close to downtown: consider the south, which is cheaper than the other three directions.

(2) Want to have a good living experience: By the fourth and fifth ring roads, subways and commercial facilities are on the rise. The house is newer than the old city and the environment is better. As long as you buy it by the subway, it is quite convenient to travel to and from the city center.

3. Safety investment: not bad money is necessarily the first choice for East and West Cities, which is not only the core of the lot, but also the advantage of the school district.

Secondly, consider Haidian, Chaoyang and Tongzhou. Haidian and Chaoyang are the two districts with the best development and the closest location except East and West. Tongzhou is a sub-center of the city, but the purchase restriction is strict.

If you want to get big profits, you can bet on the future of Chengnan.

Lot is always scarce, as long as the supporting facilities can keep up, the development of the south of the city will certainly not be bad. The key is whether and when the supporting facilities in the south of the city can be perfected. Choose a house with a subway in the south, a good school district and a shopping mall, which has the greatest potential.

5. If the financial strength is poor, buy it next to the subway in the new development zone: Fangshan, Daxing, Shunyi and Changping.

These places focus on just-needed, paying attention to "cost performance", which means cheap, but not scarce, with no obvious advantages and risky investment.

6. Remote suburbs. Except for local residents, there is no need to consider at all.

Sixth, second-hand housing loans and taxes: what is the most cost-effective loan method?

1. Regulations of Beijing Municipality on Tax Collection

Before talking about how to get the most cost-effective loan, it is necessary to clarify Beijing's loan and tax collection regulations.

(1) Ordinary residence and unusual residence

First of all, we must understand the concept of "ordinary residence", because most ordinary residences in Beijing do not meet the prescribed "ordinary residence" standards.

Ordinary houses in Beijing must meet three conditions at the same time:

① The plot ratio of residential buildings is above 1.0 (inclusive);

② The single building area is below140m2 (inclusive);

(3) The price should be lower than the housing guidance price in this area, and at least one of the unit price and the total price is lower than this standard.

Obviously, where did the houses below 40,000 in the Fifth Ring Road in Beijing come from?

Looking at the price standard alone, we know that 99% of the houses are not ordinary houses.

So what's the difference between loans and taxes for ordinary houses and non-ordinary houses?

(2) down payment ratio and taxes and fees

First of all, the loan amount is different:

The minimum down payment ratio for the first set of ordinary housing is 3.5%, and the minimum down payment ratio for the second set is 60%.

The minimum down payment ratio for the first set of non-ordinary housing is 40%, and the minimum down payment ratio for the second set is 80%.

Secondly, the taxes and fees are different:

Second-hand housing transactions mainly include deed tax, value-added tax and personal income tax.

Deed tax: Ordinary residence is the same as ordinary residence, with the first set 1% below 90 square meters, the first set 1.5% above 90 square meters and the second set of 3%. 3% for all non-ordinary houses.

Value-added tax: ordinary residence will be exempted after 2 years, and the difference of non-ordinary residence will be 5.6% after 2 years. Full charge for less than 2 years.

Personal income tax: 65438+ 0% of the total price of ordinary houses and non-ordinary houses or 20% of the profits.

Note: ① The tax base of all tax rates is calculated according to the online signing price, not the actual transaction price;

② Divide by 1.05 and quickly convert it into a price excluding tax;

③ The taxes and fees borne by the seller will actually fall on the buyer;

Obviously, no matter the loan ratio or taxes, ordinary houses are more favorable than non-ordinary houses.

Therefore, if you buy a house in Beijing and control the online signing price below the guidance price of ordinary houses, the taxes and fees paid will be much lower, and the actual loan amount of the second set will often be higher.

For affordable housing and public housing, there are additional land transfer fees and comprehensive land prices.

A class of affordable housing (two limited rooms, limited house price and current land price, which can be traded after 5 years) needs to pay the comprehensive land price, and other taxes and fees are calculated according to the standard of commercial housing:

Second-class affordable housing (relocation housing, fund-raising housing) and public housing need to pay land transfer fees, regardless of price and area, transaction taxes and fees are uniformly calculated according to ordinary houses:

It should be noted that after the first transaction of affordable housing and public housing, the nature of housing will be transformed into ordinary commercial housing.

The next step is the point.

2. What is the most cost-effective second-hand housing loan?

According to the provisions on loan and tax collection, the following points can be sorted out:

(1) In addition to all ordinary residential property buyers, it is more cost-effective to buy second-class affordable housing (resettlement houses and fund-raising houses) and public houses.

Because there is no transaction record of affordable housing and public housing, the tax is basically calculated at 1% of the total price, which is lower than 20% of the profit of commercial housing.

Moreover, the second-class affordable housing and public housing, regardless of area and price, are calculated according to ordinary houses, and the tax rate will not increase because the area is too large. The first set of loans can be discounted at 6.5% of the actual price.

(2) It is the most cost-effective for ordinary commercial housing to sign online according to the guiding price. The only house with five houses can choose to sign online according to the real price to reduce the down payment pressure.

① Ordinary commercial housing below 2% is the most cost-effective loan at the guidance price.

Based on the house price of 7 million in the Fifth Ring Road, as an ordinary house, the contract was signed at a guiding price of 4.68 million. The original price is roughly the same, and it is also 4.68 million here.

According to the online sign of the guide price, the actual loan situation of the first set is: deed tax, value-added tax and personal income tax (the difference is 0); down payment: 700-468 * 0.65+468/1.05 * (1.5%+5.6%) = 4.274 million, of which the loan is 30,000. If the online signing price is 7 million yuan, the appraisal price is 90%: the down payment for deed tax, value-added tax and personal income tax is 700-700 * 0.9 * 0.6+700/1.05 * (1.5%+5.6%)+(700-468) *.

Calculated, the online price is high. Although the loan amount is 740,000 yuan, the down payment has not changed much because of the high taxes and fees, but the actual down payment has not decreased much, and the monthly supply pressure will be even greater.

② It is the most cost-effective for ordinary commodities to be more than 2 and less than 5 according to the guide price.

Similarly, according to the case list just now:

According to the guide price: deed tax and personal income tax (the difference is 0), down payment: 700-468 * 0.65+468/1.05 *1.5% = 4.025 million, loan 3.042 million and tax 67,000. If the online signing price is 7 million, the down payment of deed tax, value-added tax and personal income tax is 700-700 * 0.9 * 0.6+700/1.05 *1.5%+(700-468) * (20%+5.6%) = 30.

When it is over 2, the tax will be increased by 630,000, and the down payment will be relaxed by 1 1 10,000, which is obviously more cost-effective according to the guide price.

(3) It is best to sign the only ordinary commercial house with a net price of more than 5%;

The same is the case above:

According to the guide price: only the down payment of deed tax is required: 700-468 * 0.65+468/1.05 *1.5% = 4.025 million. The loan is 3.042 million yuan and the tax is 67,000 yuan. If the online signing price is 7 million, the down payment of deed tax and value-added tax is 7 million-700 * 0.9 * 0.6+700/1.05 *1.5%+(700-468) * 5.6% = 3.45 million, and the loan is 3.78 million, with a tax of 230,000.

In the unique case of more than 5, taxes and fees increased by 654.38+0.7 million, and the down payment was relaxed by 575,000. If the down payment is insufficient but the repayment ability is sufficient, you can choose the real price online sign.

However, it should be noted that the real price online signing means becoming a non-ordinary house, and the tax will be higher when changing hands. It will take five years to minimize the impact. For investors, it is most reasonable to have the ability to sign online at a guiding price.

Specifically, the higher the total price, the greater the advantage of signing the loan for the only house with five houses. The lower the total price, the more obvious the discount of the guide price.

(3) The lower the price of online signing, the better.

For local tyrants who buy a house in full, they don't have to consider loans, only taxes and fees. Naturally, the lower the price of online signing, the less they pay taxes.

But different communities and different houses will have the lowest guide price, and even if they are given away, they will not let you sign in to 0. But in any case, the lowest price is the best.

Views of intransitive verbs on Beijing property market

1. Improve the struggle support, just don't move.

The main body of buying houses in Beijing's six districts is to improve the crowd and upgrade the grade of real estate by selling one and buying one. Only a few people just need to buy their first house. Under the control of various policies, there is not only a quota for buying a house, but even the threshold for funds is much higher than the surface.

House prices are getting higher and higher, and restrictions are increasing. It is not difficult to imagine that it will become more and more difficult to buy a house in Beijing, and you need to get on the bus as soon as possible.

No matter how expensive the house price is, there will never be a shortage of rich people.

As the capital of Beijing, there are many people who can't afford to buy a house and many rich people. There are countless top universities and top enterprises in Beijing, and there will never be a shortage of people who can afford housing.

Those who can afford it are looking down and those who can't afford it are looking up. Never use the mentality of the poor to speculate on Beijing's property market, otherwise you will never see Beijing clearly.

3. Low housing prices, opportunities to start.

Compared with last year's 3. 17 New Deal, Beijing's housing prices have been lowered by about 30%. Downward adjustment of 10%- 15% in the six urban areas and 20%-40% in the suburbs.

After a year and a half of downward adjustment, house prices are close to the low point, and it is impossible to fall any further. Now is a good time if you want to start.

There are thousands of words, and finally there is only one sentence: Beijing can buy it, but Beijing is hard to buy it.

Not only is it difficult to buy a house in Beijing, but domestic housing prices have risen to a high point and there are many restrictions on buying a house. It is difficult to buy a house in all the big cities in China.

If we look overseas, we may gain something.