I figured it out after a sleepless night! The closed loop of real estate is basically completed, and the basic direction is the Singapore model
80% of the houses are low-rent houses, which are affordable housing and do not accept market fluctuations
The other 20% of the houses are open to the world, come and buy, the housing in the core areas of Beijing, Shanghai, Guangzhou and Shenzhen is fully open to the rich inside and outside
Let them speculate, the higher the speculation, the more it is said that the economy is booming. But this has nothing to do with 80% of the people
If Lao Suo is not wrong, if all the millions of houses in China become affordable houses
The developers will mainly develop affordable houses and top luxury houses.
So what if the people or the real estate speculation groups sell a lot of houses? If nothing unexpected happens, the biggest trading partners in various places are not between the people, but between the people and the government.
That is to say, if no one wants your house, you can sell it to the government at a discount as affordable housing.
So where does the government get so much money? Obviously. A 1 million yuan affordable house can be mortgaged to the bank
Because there is a final buyer, the bank dares to lend. A 100 yuan house can be loaned out for 800,000 yuan
The government only needs to advance 20%, and this money can be solved through local debt,
because affordable houses are just cheap, but the cost will still be recovered in the future. Finally, a virtuous cycle is achieved
So, starting from the local governments taking over the houses, Chinese real estate and Japan are on two different paths.
The ultimate price of real estate adjustment is the price that local governments are willing to take over the houses unconditionally. The maximum transaction volume determines the transaction price
This is China's advantage, which will quickly solve the problem of the real estate cycle and revitalize assets
Now, the biggest problem is what price the government takes over the houses, the policy guidance price or the market price?
There will be a long transition in the middle. There are many things to study.
But one thing is clear, that is, the real estate will not be allowed to collapse. Buyers will not lose all their money because they have the final big buyer to support them. The virtuous cycle of real estate has gradually formed. . .
