| Some experts pointed out that China's homeownership rate in the world, 80% of urban households in rural areshanghai apartmentas is 100%. Even in developed countries, the population average homeownership rate is only about 50%, the United States was 65.5%, Switzerland 42%, the UK is 46%. In Europe, Japan and Hong Kong, nor is it just to work the majority of young people went to purchase property room, the popular fashion is to rent housing to buy a house after a "ladder housing consumption" mode. This is the most social market economy has been advocated concept of housing consumption. Experts believe that, for the three categories of people renting is a more rational choice. 1. young people entering the workplace apartment for rent shanghai According to the reporter learned that, at present most of the graduates were to buy a house, the parents provide the vast majority of home buyers down payment situation, although for the early start of the buyers, in order to improve the quality of living to parents in the form of down payment not a bad idea to buy a house. But generally speaking, the work of young people just monthly income of about 3,000 yuan, net of cost of living on a monthly basis at hand can control the funds of about $ 1500. For now Guangzhou rental price, just out of college or renting, especially sharing more cost effective. If parents spend retirement money to buy a house at once, whether moral or from a risk point of view, should not be. 2. working population greater mobility recent years, due to increased job mobility, changing jobs, job-hopping has become commonplace for young people at work has not yet formed a relatively stable time to buy a house, once the job transfers, accommodation units and the distance appeared the situation, is a lot of money resulting traffic costs. Financial experts said that this population is best to rent a house or apartment with a roommate house. Because there can not go with fixed assets, freedom of movement, as one can develop their own careers. 3. Revenue unstable people As we all know, by the end of 2004 so far, lending rates have been raised three times in the year starting April 28 the central bank raised the benchmark interest rate loans from financial institutions. The one-year benchmark lending rate by 0.27 percentage points, from the current 5.58% to 5.85%, 5 years from 6.12% adjusted for the 6.39%; housing accumulation fund loan interest rates 0.18 percentage points. Interest rates rise again, increasing the financial burden on the lender, ranging from tens of dollars to more than a few hundred dollars. The working poor stability, and if they do not consider the actual economic conditions, blindly home loans, will be difficult to repay not only the case, there may be unable to repay due to leaving the property will be forfeited. policy context relates to the purchase cost of the three major New Deal lending rates to rise again. People's Bank of China officially announced that from April 28 from financial institutions raised benchmark lending rates: one-year benchmark lending rate by 0.27 percentage points from 5.58 percent to 5.85 percent. Mortgage loans are secured by more than 5 years adjusted to 6.39% from 6.12%. Meanwhile, the fund housing loans interest rates are more than five years from the current 4.41% to 4.59%, up 0.18 percentage points. A sum of 200,000 yuan in 20-year loan, for example, the monthly repayment is also about more than 31.48 yuan. three percent down payment to buy a house more difficult: June 1, the personal housing mortgage loan down payment of not less than 30%; on the purchase of owner-occupied houses and condominiums construction area of 90 square meters below the proportion of down payment remains unchanged 20% of the requirement. Some banks have introduced a higher down payments, luxurious buildings delimit the threshold for mortgage policy rules. hand housing transfer sales tax collection period extended: June 1, in accordance with the Ministry of Construction and other nine departments "on the adjustment of housing supply structure and stability of housing prices opinions", business tax collection period extshanghai real estateended from 2 years to 5 years. |
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