Many people just pay the down payment, there is no repayment pressure, and it is even more cost-effective than renting a house (dual-employee families can use the provident fund to repay, just add a little more). Suppose the income of both husband and wife is 8000 yuan, and the accumulation fund adds up to 3840 yuan. A 2 million house, commercial loan10.5 million, 30-year monthly benchmark interest rate of 7960 yuan. You only need to pay another 4000 yuan. If the interest rate of provident fund loans or commercial loans is 10%, it will be even less. The average monthly rent of a small family is close to 2000 yuan. You can own your own property right by paying about 2000 yuan more every month. As long as the economy is developing, your salary will definitely keep rising, and the pressure of mortgage will be less and less.
Moreover, with the industrial transformation in Hangzhou in recent years and the development of Internet, finance, high-end manufacturing and other industries, the overall purchasing power is getting stronger and stronger. For a salary of 20,000 to 30,000 yuan, many people will still consider the price of 50,000 yuan in Beijing, Shanghai and Shenzhen, and more than 20,000 yuan in Hangzhou can be bought. The annual increase of 65438+ 1 100 million people is the result of voting with their feet. In addition, in addition to the bursting of the bubble, it can be done. If the salary doubles, the price will be reduced if the house price does not rise.
G20 and Asian Games are two catalysts, which will accelerate the construction of Hangzhou's urban framework. The subway will be connected to the Internet, expressway will be open to traffic, and the broken road will be opened. The construction period in recent years will be a little inconvenient, but it will be better in the future. Besides public bicycles, it will be more and more convenient to rent new energy vehicles like minibuses.
Now there are 27,000 sets in stock in the main city. Under normal circumstances, there are 200 sets of inventory in the main city every day, and the inventory in Hangzhou has entered a downward cycle. In fact, if you buy a second-hand house, even if it falls by 10% after two years, the current rental income in Hangzhou can cover this risk. Unless it's like Japan, this is a bit unlikely. Because Japan is a free economy market and a planned economy market, local governments will try their best to keep house prices down. Banks really can't act as it. Nothing more than charging less interest. But you are required to make a down payment of 30%, and the interest will be 15% off. I believe many buyers will tell me my opinion. Don't spray if you are wrong;
G20 will push the house price in Hangzhou to 20 16 by going up one flight of stairs, but whether it is a short-term top or medium-term rise relay depends on the land situation and sector value in detail, and roughly on the monetary policy. But one thing, Hangzhou will be very divided in the future, which is why I strongly recommend the ability to only covet low-priced real estate. Matthew effect works everywhere.
A few days ago, the floor price of land around the city was less than 6,000 yuan, and the city was 32,000. This is the gap. Generally speaking, the value of the west of the city has been blown out, which is not cheap. It is generally difficult to enter the market when you just need it. It is very likely that there will be a weakened version of the Moscow model of housing prices in the future. Through long-term appropriate depreciation, the value difference of house prices will be smoothed out. The Belt and Road Initiative also needs the support of cheap money. At present, compared with the internationalization of the RMB, I think the Belt and Road Initiative is more important for industrial upgrading. As long as you have the ability, you still want to buy. I know no one wants to take over, but sooner or later, a printing machine will force you to take over. Individuals cannot compete with the state machine. It is not recommended to buy investment. The 2022 Asian Games is a long-term positive, but it does not rule out a callback in the middle. Hangzhou is not cheap.
If you wait and see and don't buy, wait and see at the end of 16 to avoid the g20 wave in September. You can buy it or not if necessary. As for the way to 17, personally, I think I will firmly go to the livable area of the city in the first half of the year and talk about it in the second half. 20 17 plunged 80%, and everyone was waiting to pick up the house.
The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!