Can t afford to buy a house because the price of the house is too high, or is it because our wages a

Juxtaposition, low wages and high house prices! To put it bluntly, it is a problem of economic deformity.

Of course, the salary is too low, and it has not doubled compared to 2012.

Housing prices are exaggerated, and wages are ridiculously low.

Housing prices are too high, wages are too low, that's all.

There is a high ground for everything, and if the housing prices in Beijing, Shanghai and Guangzhou are low, they will be overcrowded. Survival of the fittest, normal.

**Of course, the value of detachment is high, and the poor wages of the common people are pitiful, and no matter how hard they work, it will not help.

You can't go to the sky, is it too high or are you too short? I don't know what level of education you have for this brainless title?

If the house price is 30,000 square meters, we will definitely be able to buy it with a salary of 50,000 yuan a month.

It's because you didn't catch the car.

It doesn't matter if you want to buy a housing price bubble and can't afford it! Housing prices**, income to keep up with that is called reasonable! Now it's time for wages to stand still and house prices to double! Is it symmetrical, please?

This is easy to understand, because housing prices are not determined by the average wage!

What is the average social wage, from a national perspective, the monthly salary of Chinese is less than 1,000 yuan, reaching 600 million. If you go to a specific city, such as Beijing, the average salary is only more than 6,000 yuan. This is still in the statistics, there are still many freelancers and entrepreneurs, there is no stable income, these are not counted, if these are counted, the average salary will be further reduced.

Coming back to house prices, house prices are not determined by the average wage, but by the income of the people who can afford to buy a house. Taking Shenzhen as an example, Shenzhen currently has a permanent population of 20 million people, of which not counting the floating population, if you count close to 30 million people. However, there are only 1.9 million commercial houses in Shenzhen, and among these commercial houses, only about 200,000 are listed for sale and circulated every year.

In other words, if 30 million Shenzhen people want to buy a house, then only 200,000 houses can be chosen. That's about a 3000:20 ratio.

If you convert to one out of 150 people who can buy a house, then the income of the person who can afford a house is almost determined by the person who is the tallest among 150 people.

One might say that 30 million people don't all have to buy a house, and many already have a house. Even so, if we calculate according to the ratio of 20 million to 1.9 million, then at least one-tenth of the population can afford it.

The person with the highest income among the ten people is the bottom line of the minimum income from buying a house, which is the reality.

1. Housing price (real estate**) refers to the market value of the building and the land it occupies in a specific period of time, that is, the house price: land ** + building **, which is the most important adjustment mechanism for the economic operation and resource allocation of real estate. The positioning of house prices is made up of a variety of factors.

2. There are three forms of housing prices: offer, transaction, and bid. The offer fluctuates with the market at any time, the transaction is the result of the game between the supply and demand sides, and the application is the result of registration with the management department.

The widely used real estate transaction is often the Shenge, and the quality of the Shenge is very poor.

Generally, high housing prices are caused by the supply and demand of the market, when the supply of houses exceeds demand, housing prices will definitely increase, and when there is an oversupply of houses, housing prices will naturally fall; The level of workers' wages is related to their abilities, educational qualifications, and skills, and there is no direct relationship between the level of housing prices and wages. Where the actual monthly salary = monthly salary and the actual number of days of attendance.

Notice on Issues Concerning the Average Monthly Working Hours and Wage Conversion of Employees throughout the Year

2. Conversion of daily and hourly wages.

In accordance with Article 51 of the Labor Law, employers shall pay wages on statutory holidays in accordance with the law, i.e., the 11 statutory holidays stipulated by the state shall not be excluded when converting daily wages and hourly wages. Accordingly, the daily wage and hourly wage are converted as:

Daily Wage: Monthly Wage Income Number of Monthly Salary Days.

Hourly wage: monthly salary income (8 hours of paid days per month).

Monthly payroll days (365 days-104 days) 12 days.

Rates ** up. So the wages are low. This is normal. So. It's the age of real estate. Wait for 10 years, 8 years. No one bought the house. Wherefore there will be a price reduction.

Housing prices also depend on the city, and some cities are relatively low, but there is no value. Housing prices in Hegang are low, and the city's development potential is also low. The reason why you have a low salary is because you have poor ability or lack of work experience, low education, and unknown schools.

As a person living in a small city, it is indeed a little shocking to see that the housing price in a small city is only 10,000 yuan. Because in the past, the housing prices in small cities were generally lower than those in large cities, and even in some places the housing prices were only half of those in large cities, so for local people, this ** is still a little expensive. However, the situation is different now, with the acceleration of urbanization and the movement of people, housing prices in smaller cities are also gradually**.

For people in small cities, there is a mismatch between housing prices and income levels, which is one of the reasons why housing prices in small cities continue to rise. Although the cost of living for small city makers is relatively low, due to the small size of the city and the lack of population mobility, the employment opportunities and development space in small cities are relatively limited, and the income level is low, which is difficult to meet the demand for housing prices. Therefore, for people in small cities, the ** of housing prices does not bring corresponding economic benefits.

In addition, housing prices** in small cities are also closely related to the development of the city. With the economic development of small cities and the inflow of population, the demand of the real estate market increases, and the market is in short supply, and housing prices will naturally be **. However, in the early stages of development, housing prices in small cities tend to fluctuate, and buyers need to take greater risks due to the instability of the market in small cities.

So, for people in smaller cities, how to deal with housing prices**? First of all, buyers should be clear about their financial ability and housing needs, and do not blindly follow the trend and buy houses impulsively. Secondly, we should strengthen the supervision of the real estate market, regulate housing prices, and avoid speculation.

At the same time, policies should also be introduced to promote the economic development of small cities, improve the income level of local people, so that the housing prices in small cities can match the economic strength of local people.

In general, housing prices in small cities are not as high as in big cities, but they are still somewhat expensive for people in small cities. Home buyers should look at housing prices rationally, do not blindly follow the trend, and should also strengthen market supervision and introduce policies to improve the economic development level of small cities and the income level of local people, so that housing prices match income levels.

In recent years, China's real estate market has experienced waves of regulatory policies, from purchase restrictions, loan restrictions to sales restrictions, etc., the market has been greatly affected. Despite the gradual recovery of the economy, house prices still fell sharply. What are the reasons behind this?

The following is an analysis of the issue in this article.

1. The impact of policy regulation.

Policy regulation is one of the main factors affecting housing prices at present. For many years, various real estate control policies have been introduced to curb the rapid rise in housing prices. To a certain extent, the implementation of these policies has a certain inhibitory effect on housing prices, so that housing prices will no longer soar as before.

For example, last year, the regulatory policies for the real estate market were introduced one after another, and some cities have seen significant adjustments, which is also one of the reasons for the sharp increase in housing prices.

Second, economic growth has slowed down.

The slowdown in economic growth is also an important factor in housing prices**. Economic growth is one of the important drivers of housing prices, and when economic growth slows down, housing prices will follow. In the past few years, the economic growth of the country has shifted from high-speed growth to high-quality development, and the economic growth rate has gradually slowed down, which is also one of the important reasons for the housing prices.

3. Imbalance between supply and demand of real estate.

The imbalance between supply and demand in the real estate market is also one of the reasons for house prices**. According to statistics, last year, China's new housing area exceeded 100 million square meters, but due to the impact of real estate market control policies, market demand continued to decline. This situation of oversupply has directly led to housing prices**, especially in second- and third-tier cities.

Fourth, investment enthusiasm cooled down.

As a popular area for investment, the real estate market has always been favored by the majority of investors. However, in the case of the country's strengthened regulation of the real estate market, investment enthusiasm has also cooled, which has directly led to housing prices**. On the one hand, the threshold for real estate investment has gradually increased, and the financial pressure on investors has increased; On the other hand, policy regulation has also made investors' confidence in the real estate market less and no longer blindly invest as before.

To sum up, policy regulation, economic slowdown, real estate supply and demand imbalance, and investment enthusiasm are all important reasons for housing prices. Although the economy is gradually picking up, it is still difficult for housing prices to usher in the first place in the short term, and it is necessary to work together with the market to gradually restore market confidence in order to achieve the stable and healthy development of the real estate market.

For many small cities, housing prices are not more than 10,000 yuan, which is much lower than that of big cities, but for people living in small cities, whether such housing prices are suitable and whether they match their income, the feelings are different. ......Specifically, these include those with high incomes who find housing prices in small cities cheap, those with low incomes who find them unattainable, and those who live in small cities find housing prices high and difficult to afford.

1. Housing prices in small cities are cheap for people with high incomes.

Different people have different income statuses. For those with high incomes, their income is far more than 10,000 yuan, so these people will feel that the housing prices in small cities are very cheap but 10,000 yuan, and they will feel very easy to afford. ......This is a rare occurrence because people with high incomes are in the minority, and only a few people are able to achieve this state.

2. People with low incomes will find housing prices in small cities unattainable.

For those with low incomes, the housing prices in small cities in their eyes are simply too high, even unattainable. ......These people's incomes are very low, much lower than the local housing prices. And most of their income is spent on daily living, so they have less money to spend on buying a house.

Therefore, these people will feel that although the housing prices in small cities are not more than 10,000 yuan, they are too high.

3. For most people, housing prices in small cities are very high and it is difficult to afford them.

For most people, incomes are higher than those with low incomes, but they are far from reaching high-income status. ......These people's view of housing prices in small cities is that housing prices are very high and difficult to afford. ......For most people, it is not easy to buy a house on their own income alone, and they have to raise money to balance the rent through other means.

From this point of view, most people think that the housing prices in small cities are relatively high if they are not more than 10,000 yuan, and only a few people with high incomes will feel that the housing prices in small cities are not expensive.

Nowadays, all kinds of things in our lives are rubbing towards them, housing prices are getting more and more expensive, and education and medical care are getting more and more expensive. Even the pork we usually eat is rising in price.

Taking housing prices as an example, housing prices in first-tier cities are still so firm, why? In fact, everyone will consider the supporting facilities of the property when buying a house, but the value brought by these facilities is real. Why are the prices of properties closer to the subway higher than those farther away?

Why is it better to have high-quality educational resources around the property than not? These underlying factors often lead to their differences, which are also equivalent to the self-regulation of the market.

Therefore, the price of housing has its own set of internal logic. It is also the reason why the housing prices in some small cities are always very different from those in large cities, and their attached value is not as good as that of large cities. If we go to the wilderness to build a house, although the cost is low, but it is not even convenient to buy things, and the courier industry cannot receive it, will we go?

The same is true for other goods and services, if we disassemble them indefinitely, we will find that all the costs are human costs. Therefore, high housing prices, high prices, and expensive service fees, excluding a few factors such as speculation, monopoly, and forced buying and selling, in fact, if you want to sell **, it contains the corresponding labor and condenses the undifferentiated human labor.

Take the expensive vegetables in the supermarket as an example, why do you cost three or four yuan for a pound of vegetables? The reason is that it costs farmers to grow vegetables, wholesalers need costs to buy from farmers, it costs to transport them from the place of origin to the place of consumption, and it costs to sell them in supermarkets, etc. Every link is indispensable, and it requires many people to work silently behind the scenes.

If we ask for a price reduction for vegetables, we are actually asking for a reduction in the income of the workers of the entire industrial chain behind it.

Each of us is both a consumer and a producer. Under certain circumstances, ask for lower prices for vegetables, fruits, and pork, and if you are a farmer, then your income will be reduced, at this time, are you willing? If you're a developer, a designer, or a construction worker, then your income is going to be reduced, are you willing to do it?

Ask for a medical ** drop, if you're a doctor, then your income is going to be reduced, are you willing?

Therefore, what housing prices are high and prices are high, because of the condensation of our human labor behind it, since we want this, then we must need the corresponding hard work, and the trouble has its corresponding value.

Therefore, for individuals, in the face of high housing prices, high prices, expensive education and other problems, it is unrealistic to pin hopes on the general environment such as regulation and control, and the discovery of the conscience of capitalists. For example, if you earn 5,000 yuan a month now, then try to earn 10,000 yuan or 20,000 yuan, so that the price is much lower than your salary. If you can't do it, it means that you are not capable, so you don't have to be restless, and be a quiet poor person honestly.