When driving on the highway, Lao Hu was most annoyed with such drivers:
When I drive, I brake suddenly because of a small condition. You are scared and sweating after me.
It was not easy to start. There was no car a kilometer ahead. The man was slow at 40, 50 an hour, occupying a lane, and hundreds of cars were behind him.
Is this still called a highway?
This is true of many policies. When the time limit comes, we will take bold measures, act vigorously and vigorously, and forge ahead. When we withdraw, we will think twice, hesitate, look ahead and backward, and be timid. The right that originally belonged to the common people has become a gift from the officials to the common people. You can't give it away all at once and get a little reward.
How many people brush the indicator of whether they have been rewarded by the old man every few months.
How many people are counting with their fingers, and how many months of social security and rent must be paid before they can get the house purchase qualification rewarded by the old man.
How many people struggle between "leaving and not leaving" in order to buy the second or third set of housing that was once a matter of course.
From the perspective of "housing is not speculation", is this purchase restriction policy reasonable? Are these people related to real estate speculation? Lao Hu has mentioned this point many times and will not repeat it again.
Today, Lao Hu plans to discuss the necessity of Beijing's immediate deregulation of purchase restrictions from another perspective.
Lao Hu has repeatedly proposed that, The only starting point for the government to formulate the real estate policy is to control the house price 。 But what is the ultimate purpose of controlling housing prices? Nobody knows. The following article is quite long. I suggest you read it carefully.
It is imperative to liberalize Beijing's property market policies as soon as possible - employment tax 》
After reading, you will find: The harm of falling house prices is even more terrible.
Lao Hu said that a real phenomenon happened around us.
The customer manager of the personal credit department of a bank told Lao Hu: "Except for one of our loan customers whose house valuation has not risen or fallen, all of their valuations have fallen. Normally, they should ask customers to make up the principal, but the bank has not acted for the time being."
explain: Assuming the house is worth 10 million yuan, the bank will lend you 7 million yuan at 70%. When the house price drops to 8 million yuan, the bank can only lend you 5.6 million yuan at 70%, and you need to make up the difference of 1.4 million yuan.
This is a very scary signal.
If you have the 1.4 million yuan, you can give it to the bank to keep your house. If you don't have the 1.4 million yuan and the bank forces you to make up, you can only auction the property.
If houses are auctioned by banks on a large scale, the consequences will be unimaginable.
At that time, I'm afraid it will not be a problem of deregulation of purchase restrictions. It is estimated that we will have to Back in the late 1990s, I came to Beijing to buy a house and give away my hukou Has. Must we wait for that step?
Similar lessons have been learned. First let go of the double independence, then let go of the single, bit by bit, afraid of this, afraid of that, what's the result?
When the disease is significantly aggravated and is about to endanger your life, you should use strong medicine, and you should play with globulin. Don't be reluctant to play. It's time for us to take a vitamin today, and a bottle of royal jelly tomorrow. Ginseng and deer antler are eager to eat but afraid of getting burned. We have to wait until we are sent to the ICU to know we are in a hurry, so it's too late.
It's time to accelerate the meat cart ahead.
Some people doubt that the Internet has said that the houses in Beijing have no investment value. Even if the purchase restrictions are lifted or relaxed, will anyone still buy houses in Beijing?
The next article will answer this question. Please pay attention.
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