More than half of the cities have started to lose money by owning houses, which is more profitable

Some time ago, I was thinking for a long time about what a person said, should we buy a house? They said on the Internet: Our family has not bought a house, even if we have children now, we still want to rent a house.

Because the ** of buying a house is compared to the ** of renting a houseRenting a house will be much cheaper, and you won't have to pay the mortgage very nervously.

This idea makes a lot of senseWe still have many people who are struggling to buy a house, and after listening to it, they instantly feel that they can work without being so tired, and they can still live a good life in their spare time。Indeed, according to the analysis of professionals,At least half of the nation's urban properties are losing money。The most obvious thing isWanda Real Estate is now slowly integrating with the entertainment industry, rather than developing real estate alone.

If housing prices don't rise, people who flip houses will basically lose money every day。Some people will say that people who have a house will rent it out in addition to living in it themselvesRent can also be considered an advantage of buying a house。But someone has found that even if you have a house to rent,At three percent of the rental return and five percent of the cost, four percent of the houses are demolished, and even then more than half of the people in the country buy houses at a loss.

And withHousing prices are getting higher and higherNot only have rents not increased, but rents are falling in some areas, so more and more people will choose to rent. So all aspects are indicated, buying a house and renting a houseRenting a house will be more cost-effective。And it is impossible to buy two houses after more than ten years of struggle, one to live in and one to rentAt most, buy one to live in by yourself

In this way,Not even a meager rental income. Even so, I believe that there will still be many people who buy a house and feel that buying a house is a kind of stability

If it were me, I would choose to buy a house, and from the perspective of long-term development, the price of housing will be higher and higher in the future.

I think it's more profitable to buy a house, and if you buy a house, the house is your own, and it's more convenient to live.

I think if the economic conditions are good, you can buy a house, and if not, it is better to rent.

This must be to buy a house, your own is the most reassuring, if you rent, you are running around, it is not suitable.

Everyone's thinking is different, so the choice will be different, and I think buying a house will be more secure.

If you stay for a short time, it is recommended to rent a house, and it is better to buy a house if you settle down, renting a house is always to give money to others, although you have to take a loan or something to buy a house, but in the end there will be a house.

I will choose to buy a house, and I feel that I have earned money by renting a house for a period of time, but in fact, every time I move, I collapse, and it is better to have my own house.

Personally, I think it's more profitable to buy a house, and if you buy a house, it's your own, and you can get it however you want.

A research report of an institution pointed out that from the perspective of investment, if the house price is not **, or even the house price increase is small, holding real estate is losing money every day. The research report believes that at least half of the cities (in China) have begun to lose money on real estate.

So, how much have house prices risen across the country this year? With the tightening of mortgage policies and the decline in house price growth, can a house still be bought?

How much have house prices risen across the country this year?

Zhongtai macro research report pointed out that if the regular price of Fang Song does not rise, then house speculators are actually losing money every day. Taking the situation in Shanghai as an example, if you hold a property, the rental income brought by pure residential use is only, and the housing prices in Shanghai have not only not risen in the past year, but the capital gains income is roughly.

So, how much have house prices risen across the country this year? According to the data released by the National Bureau of Statistics, in July, the sales of newly built commercial housing and second-hand housing in first-tier cities were respectively year-on-year2%, the sales of new commercial residential buildings and second-hand residential buildings in second-tier cities were respectively year-on-year

7%, and the sales of new commercial residential buildings and second-hand residential buildings in third-tier cities were respectively year-on-year1%。

From a month-on-month perspective, the national real estate market has been relatively stable this year, with the sales of new commercial housing and second-hand housing in 4 first-tier cities all maintaining the following month-on-month change, and the sales of new commercial housing and second-hand housing in 31 second-tier cities and 35 third-tier cities remaining around the same as before.

More than half of the cities lose money on holding houses?

The research report also pointed out that according to the rental rate of return of 3%, the cost of capital of 5%, and the depreciation rate of housing of 4%, more than half of the cities are losing money with houses.

However, Yan Yuejin, research director of the think tank center of the E-House Research Institute, said in an interview with the Sino-Singapore Jingwei client that although it seems to be a loss of money from the data, the return on buying a house in reality will still exceed this level. Considering that the house also has the function of value preservation, living and some additional functions, if the house price exceeds the growth rate of the local GDP, it is not a loss, generally in the range of 7%-8%, and now the house price increase in many places in China is more than this range.

Niu Fengrui, former director of the Institute of Urban Development and Environment of the Chinese Academy of Social Sciences, believes that simply using capital gains to examine whether real estate should be held is not meaningful to slow down the reputation of the cherry blossoms. "The basic function of a house is first and foremost to live in, and secondly to its investment attributes. The living environment of one's own house and rented house is different in the eyes of Chinese.

It is not possible to judge whether it is cost-effective to buy a house purely from the rent-to-sale ratio, but to consider China's national conditions. In addition, in the case of narrow investment channels for ordinary people, there will still be people who choose to put their spare funds in real estate, because it also has the function of maintaining value. ”