After the epidemic, will the housing market really be an opportunity for ordinary people with the support of national policies for the economy?
Case owner: Ma Bao, the second child, born in 1980s, an English teacher, from Shenyang, lives in Zhoushan. Her husband is from Zhoushan and has an old house at home. The husband and wife have a monthly income of over 10,000 yuan. However, because the identity of the case owner changed from a professional woman to a full-time nanny during the second child maternity leave, she was very anxious and started the WeChat business with the recommendation of her family. As a result, WeChat business not only made no money, but also wasted a lot of time and energy, and finally lost nearly 30-40W. But I dare not tell my husband's family that my husband and I pay our debts silently. At present, they change 1.5W every month. Her husband and mother-in-law are very kind to her. Her husband supports her unconditionally, but her income is limited. A family of four lives in their parents' old house, where they eat and live. The case owner is mainly responsible for the children's expenses. My husband works on other islands in Zhoushan and comes back once every two months. The two babies in kindergarten are usually brought by their mother-in-law.
My mother-in-law paid a down payment for her son and daughter-in-law to buy the first suite. As a result, her daughter-in-law (the case owner) is still in debt for losing money for WeChat business, and she doesn't know what to do in the face of her mother-in-law's kindness. ?
? 1. Tell my mother-in-law the truth about the debt, and worry that her mother-in-law will be stressed and blamed, which will lead to the deterioration of the relationship between mother-in-law and daughter-in-law.
? 2. Concealing debts and accepting the kindness of her mother-in-law, the young couple can't make ends meet, and their life stability is affected.
? 3. If you can overcome the difficulty of buying a house, choose the suburban railway planning or the new group of the municipal government.
But this time, she made a wise choice and found a "sixth" community of super think tanks (six-dimensional thinking), hoping to find a better solution through six-dimensional parallel thinking.
Ordinary people buy houses for two reasons: just need or invest.
Just after the epidemic, the elderly advocated buying a house for the following reasons:
1. After the epidemic, if the house price is low or stable, there will be an opportunity. The government supports economic recovery, and house prices are generally bullish.
2. If you don't buy a house now, you can't afford it because of inflation in the future; If the old house at home is not demolished, the child will have to prepare a new house for him to start a family when he grows up. The first suite is just needed.
When the old house is demolished, the new house can be rented. The new district is planned to connect with the railway, and the house prices along the line are expected to appreciate.
Subjectively, the old people think that if they don't repay the mortgage, the couple can't save any money at all, and they are worried about the financial management of young people.
For this couple, the advantages of buying a house are:
1. Increase fixed assets, and it is possible to make a profit by renting or selling.
2. If you buy a new group of municipal governments and children's parks, it will be closer to the work unit and the children's school district, and your work and life will be more convenient.
3. if you buy an existing house, you will have the opportunity to move out and not live with your mother-in-law, which can avoid the muddling along of two generations.
4. Obey the mother-in-law's will, avoid friction, force yourself to save money to repay the loan, and increase revenue and reduce expenditure. Pressure is motivation.
The root cause of rising house prices:
The state relies on real estate to drive the economy, and the people rely on investment in real estate to maintain and increase value.
1, enterprise loans from real estate developers and housing loans from residents can increase the money supply of the whole society and promote the circulation of domestic economic factors.
The real estate industry itself is related to many industries, such as cement, building materials, steel and so on, which can further promote production and consumption and increase the wealth of the whole society.
House prices and credit are mutually causal and mutually reinforcing.
2. Preserving and increasing value:
Statistics show that 1986 1 10,000 yuan is equivalent to 20 16' s 2.8 million yuan, and the only thing that beats inflation is the house. Since the housing reform, most people have seen that the only successful way to deal with currency depreciation is to invest in real estate. Most people who invest in stocks, lend usury and play with all kinds of financial management are all chicken feathers in the end.
From the overall environment, buying a house with good location, high quality and deep transaction depth, even if it doesn't increase much, can at least outperform inflation. For ordinary people, it is more reliable than buying stocks, buying wealth management and playing p2p. But to open this opportunity lever, it takes a lot of money to cross this threshold.
Zhoushan, the 18th Route Fishing Village, the countryside, the suburbs and the urban areas are actually not much different.
The business district near the new district government has a good geographical location and convenient transportation, but the house price is also relatively high, and with the opening of more and more buildings around, the room for house price appreciation here will be limited. The house price around Ningbo is 2W+ 3-4W+ in the urban area, and the house price in Zhoushan will definitely not rise above the level in the suburbs of Ningbo for some time. According to the population density and surrounding facilities, there are also several gaps. If Zhejiang Petrochemical hadn't built a factory on an island in Yushan, Boeing would have chosen Zhoushan as its base, and the Shifu New District might only have some relocated households on the island. But for Zhoushan New District, we can expect a lot in the future. It will become a key free trade zone in the Shanghai-Hangzhou-Ningbo economic circle, and its future is limitless.
The business circle of suburban railway planning department is also a school district, with hospitals and shopping centers nearby, which is ten minutes' drive from the urban area. The advantage is that if the railway starts, there will be a flow of migrant workers who need to rent houses, and the house prices here will definitely rise after the railway is completed. But this is an auction house, and the probability of self-occupation is very low. Although it is not far from the urban area and has convenient transportation, it is still in the development stage and its realization is slow.
Similarly, the area of 80+ square meters will be 30-40W higher in the urban area than in the suburbs, which is not a small amount for ordinary families and can directly offset all the interest on the mortgage.
In fact, for buying a house, the choice of lots is very important, taking into account the policy inclination, school district, whether it is in the transportation hub, whether the surrounding facilities are perfect, and the community environment, including planning, greening, apartment type and property. We will consider what we can see before buying a house. For example, hardware, but after the actual occupancy, we will find that property is also an important factor affecting the living experience. Many people bought houses at a high or low level, and finally they were unhappy because of poor property service. Therefore, the strength and background of real estate investors and managers should also be taken into consideration to avoid worries.
Therefore, everyone should be cautious and rational when buying a house. The mother-in-law of the case was particularly anxious to make a decision at first, and especially wanted the young couple to agree to buy a house. In fact, there is some kind of impulse in it. After all, a decision will affect the state of life in the next few decades. You really can't buy it at once. There is also a problem that a good heart does not mean a good result. Just like the previous case owner blindly invested in WeChat business, it was also to increase family income, but the result was counterproductive. ?
At present, it seems that although buying a house will not lose money, it should be cautious.
1. Couples who don't buy a house need to repay the loan every month1.5w. If they buy a house, it's income 1W, with a fixed monthly expenditure of 2W. This is a lot of pressure.
2. The down payment may not be enough for the mother-in-law, but you still have to keep looking for money. The bride's family and her husband's family pieced it together. It is not easy to borrow money now.
Even if all the money can be collected to pay the down payment and repay the loan, the family's ability to resist risks will become zero.
My parents-in-law are too old to buy insurance, but they have just reached the high-risk stage. Couples also have to pay for their children's tuition, clothes, fruits, milk, toys and so on.
Nowadays, it is difficult for people in society to just stay on the basic needs of eating and wearing warm clothes. Interpersonal communication expenses, personal learning and growth, filial piety to parents, and a scooter at home all need expenses. Even if the standard is reduced to a minimum, it will cost 3000 yuan/month.
4. If the owner discloses his debts, I'm afraid there will be the risk of demolition. (It may be that the case owner is worried.)
5. I don't agree to buy a house, I don't accept the kindness of the elderly, and I am also ugly by my mother-in-law, which makes her feel that young people are ungrateful and unappreciative.
1. Where does the money come from?
Ordinary families, in addition to scrimping and saving, have to make a patchwork of things.
The down payment, in addition to the mother-in-law's private money, is the private money of the mother and father in this case. These can offset some of them. The couple actually don't have any private money.
Open source and reduce expenditure: strive to improve self-worth. Start sideline business appropriately, don't invest or ignore assets, set a principle and increase income in small steps.
2. Family economic problems
Frankly speaking, the WeChat business lost money. In fact, the family has long accepted it, but the case owner refused to face it head-on because of face. My husband did most of the work that was criticized. In fact, marrying the right person is not only about seeing her husband, but also about marrying a good mother-in-law. I wonder if the case owner has been a husband and wife for several lifetimes. Met such a good husband and mother-in-law
Because the young couple are not very good at managing money, they usually spend a lot of money and have no concept. It is suggested that the mother-in-law take care of the family finances after that. Although it seems that the small family has lost its independence, from a practical point of view, if the couple are willing or good at managing money, it will not lead to the present situation. Although the mother-in-law is old and has different consumption concepts, it can just limit the young couple from spending money indiscriminately. The husband and wife's financial power is handed over to their mother-in-law, and the elderly are more at ease, the family is more harmonious, and it can indeed accumulate wealth for the family.
For the post-80s-90s generation, it's really hard to understand how the previous generation managed to save money with so little money. Therefore, financial management is a science. If you can't manage money, you must learn to authorize the right person to do the right thing.
1. Good intentions do not necessarily lead to good behavior.
? Many times our hearts are good, but we don't grasp the objective situation enough or our subjective thoughts are too extreme, which leads to the opposite result. Therefore, we must reflect more and look at problems from different angles, such as using "six thinking hats" more. If I had met one sixth, maybe this down payment would have become a suite.
2. Trust is the premise of everything.
? In interpersonal communication and family management, trust is the premise of everything. If we don't communicate, understand and trust each other, it will lead to many misunderstandings and problems, and even lead to a crisis. The reason why the case owner can persist in the crisis is also because of the trust between husband and wife.
3. Home is the place of love.
? It is difficult for an honest official to break housework. Home is home, because there is love and emotional support. If everything is right or wrong, it is not home and harmony cannot be achieved. It is a rare fate for a family to come together from different families, with all kinds of problems from their families, to get along together, to run in together, and to spend the rest of their lives together, which also requires great tolerance, dedication and cherish.
Sometimes things are not as bad as you think.
? Anxiety written in human genes often makes us feel at a loss in the face of difficulties and risks, often underestimating risks beforehand and being too pessimistic afterwards, which leads to our lack of courage to face failure. If you don't admit your mistake, you will continue to make up for it with mistakes, and you will continue to dig big holes until it is out of control. In fact, only by choosing to accept and admit one's own mistakes can we not be angry, not forgive, really take responsibility and take the initiative to solve problems.
postscript
Six thinking hats is a kind of thinking training mode, or comprehensive thinking mode, developed by British scholar Dr. edward de bono. It provides a tool for "parallel thinking" and avoids wasting time arguing with each other. Emphasis is placed on "what can be" rather than "what is itself", and it is to seek the direction of progress rather than arguing about who is right or wrong. The application of Deno's six thinking hats will make chaotic thinking clearer, turn meaningless arguments in groups into brainstorming, and make everyone creative.
Liumao Village, also known as Liufen Community, was founded by Zhang, the village head (nicknamed "Mingshashi" in WeChat, 007 practitioner 007er-70 12, smoker who quit smoking for ten years, and founder of Liufen Community)-an idea sharing, six thinking hats as the underlying thinking logic, presented in the form of cooperative writing. For details, please refer to account number-Six-dimensional Thinking.
Express one's gratitude formally
This article was created by one-sixth of the community and by Jin Xin (police tactical unit).
White hat: Wang Jin
Red hat: Zhai,
Yellow hat: Cao Zhibin
Black hat: Zhang
Green hat: Zhou Xiaohui? Guo Shuai
? Six-dimensional thinking-release your thinking energy
Parallel thinking with six thinking hats