1.RRR Will house prices really rise after the interest rate cut?
Once the news that the central bank lowered the RRR interest rate was released, it triggered many discussions. Some insiders said that after the central bank reduces RRR, the released funds are likely to enter the real estate market.
Since last year, the management has started the financial deleveraging mode, and the intuitive impact is that there has been a "money shortage". In the real estate market, not only buyers apply for housing loans from banks, but also the capital chain of developers is very tight, and many developers need to obtain sufficient funds through other financing channels.
However, experts pointed out that the RRR cut of the central bank is not to give blood to the real estate market. The money released is actually to make the cash chain of small and micro enterprises no longer tense. Some insiders said that the management has increased its assistance to innovative small and medium-sized enterprises, which will enable these enterprises to fully develop and achieve better economic development in the future.
Second, housing and not speculation is the main orientation of future real estate policy.
The "golden years" of the real estate market for ten years have made many people have such a misunderstanding: if you have spare money, you must buy a house, and stock trading, futures and entrepreneurship are not reliable. Under this cognition, a large amount of funds will flood into the real estate market every year. On the one hand, with the help of these funds, housing prices in many cities in China have risen by a large margin. On the other hand, many industries that need funds to support their development have to worry about the capital chain every day. The recent ZTE crisis tells us that the country's economic development strength needs to rely on innovation ability, especially high-tech technology, rather than simply increasing GDP through real estate speculation.
Experts said that with the deepening of the concept that "houses are for living, not for speculation", there will be more regulatory policies to regulate the real estate market in China for a long time to come. In the future, the house will gradually return to the residential property, and the investment property attached to the house will gradually be stripped.
Third, is it appropriate to buy a house now?
As far as the current real estate market is concerned, the future house price will not skyrocket, but it will not plummet, and the overall price will be stable, so this price is actually not at a high level. If the down payment is almost paid, then buying a house now can be considered.
It is the main principle for the state to regulate the real estate industry in the future. With the return of housing attributes, its investment attributes will be further weakened and housing prices will be relatively stable. For those who just need it, if they have enough money in their hands, they can start to choose their favorite house and start quickly.