Good policy has heated up the property market in Ji'nan.
into 2016, benefiting from favorable policies, the property market in Ji'nan is on fire. The real estate trading hall has been playing the long dragon play. According to the housing price Ji'nan second-hand housing data monitoring center statistics show that the Ji'nan property market especially second-hand housing market in the first quarter of 2016 presented a rise, out of the small Yangchun market. Although the net traffic volume decreased by 6.57% in April, it increased by 3091 compared to the same period, or 78.39%. Facing the rise in the property market, many citizens have been entangled: is it to buy a house of its own, or to continue to rent?
the rising temperature of the
with the rise of the property market, the housing rental market in Ji'nan has also been affected. Recently, Ms. Liu, who has worked for three years, met with a worry. The owner of a house in the central city of her rental house told her to terminate the lease in advance. "Although the owner paid the penalty, but the time is tight, the time cost of finding the house is higher." Reporters visited the survey found that Liu's experience is not a case in the near future. Yu Zhaoyao, the head of the Ji'nan regional real estate, told reporters that in May, there were 2 cases of Ms. Liu in the business that had been accepted. Although the owners of the default paid a breach of contract, they brought a lot of inconvenience to the renters. With the heating up of the second-hand housing market, many owners chose "sublease for sale". "The original situation accounted for about 5% of the rental business, and it has risen to 7% in the near future."
Hou Zhongliang, director of the real estate business in twenty-first Century, said that every year from 3 to May, the rental market was relatively active. Because a lot of people return to work after the year, there are some lease expires or renewal, renting demand is more than ever before and from 3 to May, this is the traditional busy season of second-hand house trading, many owners choose to get the house at this time, causing further tension of the house.
rental encountered by the owner of the default, Ms. Liu also felt the intention to buy a house, "this is not the first time, but still very entangled whether it should buy a house of their own." Facing the ups and downs of the property market, many people are entangled in whether to rent or buy a house. Under the pressure of high house prices, buying a house needs to be saved, even the family is old and old, "public financing". In the future, we have to repay the loan by month. The house is reduced to a "house slave" and the rent is facing great pressure. The traditional idea of the Chinese people is that there is a house with a house. You can't even set up a house.
a new move after the launch of the house or renting
not long ago, the standing meeting of the State Council confirmed the cultivation and development of housing rental market measures caused widespread concern. The meeting pointed out that the implementation of the purchase and rent and the development of the housing rental market are an important part of the reform of the housing system, which will help to speed up the improvement of the housing conditions of the residents, especially the new citizens, and promote the new urbanization process. In order to develop the housing lease market, the standing meeting of the State Council has launched four measures to support the development of housing rental market from the aspects of the housing, the monetization of the public rental housing, the tax incentives and the market norms.
then the house should be rented. Let's take a look at the two sets of data. According to the statistical data provided by the urban real estate network, the average house price in Ji'nan is 10440 yuan per square meter in April, which ranks twenty-fifth in the national price list of the country in April, and the average rent of housing in Ji'nan is 25.14 yuan per square meter in April, ranking the twenty-second place of the national rent rankings.
accounting
which is more cost-effective
premise
a set of 130 square meters of second-hand housing, price 1 million 400 thousand yuan (excluding changes in interest rates, inflation and other factors)
buy a house
30% 420 thousand yuan
980 thousand yuan and 15 year repayment rate for 4.9% months for 769 8.82 yuan, 15 years, the total amount of 1 million 385 thousand and 800 yuan interest 405 thousand and 800 yuan
35 thousand yuan, 35 thousand yuan and 15 years after the loan, the owner of a total of 1 million 840 thousand yuan
rent
rent 3000 yuan
savings 4698.82 yuan per month, 5 years zero deposit, 5 years to save enough $281929.20, interest 23288.53 yuan. These items will be deposited in the 5 year deposit and continue to be stored in zero deposit. After 15 years, 845787.6 yuan will be saved and the interest will be 296611.84 yuan.
deposit the initial payment of 455 thousand yuan (including taxes and fees) for 3 time deposits in 5 years. After 15 years, the principal and interest amount totals 846694.48 yuan.
calculated by this method can deposit nearly 1 million 990 thousand yuan in 15 years.
in recent years, housing prices in Ji'nan have maintained relatively rapid growth. In 2006, the average housing price in Ji'nan was only around 4500 yuan / square meter. After 10 years, it has risen nearly 9 percent. If we calculate the price increase in Ji'nan in the past 10 years, the purchase of housing will be more cost-effective.
rental housing should start from the actual conditions of
whether to buy a house or rent a house, Hou Zhongliang suggested, exclude family background and work income and other factors, just take part in the working class, or should first consider renting. He believes that people suitable for renting are mainly divided into three categories. First, the young people who first entered the workplace, especially those who have just graduated, their economic ability is not strong. They choose to rent a house, especially the joint rent. Two is a large working crowd. If we buy a house when the work is not stable, once the work is moved and the distance between the unit and the house is far away, it will spend a lot. Three of the expensive traffic cost is the unstable income crowd. If we blindly buy a loan, the housing loan will not be repaid.
so what kind of person is suitable for buying a house, Hou Zhongliang can also be classified into three categories. First, two of the white-collar workers who have worked for many years and have strong economic strength are the buyers who have a strong desire to upgrade and pursue a comfortable living environment. They can also sell their old houses to buy new houses and meet the pursuit of the quality of life. Three are the new people who are ready to marry. If the funds are insufficient, the second hand housing is a good choice. In fact, to buy or rent, more from the reality of the people themselves, "I feel that the premise of buying houses is the relative stability of wages, family construction and work and living circles." Hou Zhongliang said.