"For young people, should they buy a house or rent a house?" recently, a popular word in the real estate industry is that six wallets buy a house. For many young people, with the rising price of housing, buying a house almost takes the life of a family. Is it worth it?
Fan Gang: if the six wallets above both husband and wife can work, the parents count as one wallet, the grandparents one wallet, the grandparents one wallet, the beloved grandparents, grandparents and parents. If the six wallets together can help pay the down payment, Fan Gang said: 'I suggest buying a house.
If all the money is taken out to buy a house for the young, who will provide for the old!
Fan Gang replied that it depends on many factors of everyone. For example, if the work of young people is not very stable and they are still in the process of change and migration, it is better to rent a small house.
Fan Gang replied that it depends on many factors of everyone. For example, if the work of young people is not very stable and they are still in the process of change and migration, it is better to rent a small house. But if we are going to get married, and the six wallets on the top of the couple can work, the parents count as one wallet, the grandparents one wallet, the grandparents one wallet, the love's grandparents, the grandparents and the parents, if the six wallets together can help pay the down payment, Fan Gang said: 'I suggest buying a house.
To buy a house, you have to pay a sum of money every month to repay the mortgage, but if you pay enough money for 20 or 30 years, the house will belong to you. 'Fan Gang believes that the implementation of the housing reform and mortgage policy is to change the phenomenon that people who have saved for a lifetime can only afford to buy a house when they are old. Young people can mortgage, borrow money to buy a house and live in it first. Of course, if you don't have the money to pay down payment and repay the mortgage, you can't buy a house. But if there are conditions, we should try our best to make good use of the mechanism of mortgage purchase.
A house with many people and few people will be worthless?
In the program of China Economic lecture, when it comes to the topic "according to the current trend of population development, there will be more houses in the future, but fewer people. Will houses be worthless?" Fan Gang, member of the monetary policy committee of the central bank, said, "if the population stops growing or even falls, will our housing demand decrease? Will the scarcity of land decrease?"? Not necessarily. Although the population has decreased, the demand has increased. In Fan Gang's view, housing is just a demand for a happy life. In addition, it needs more entertainment facilities, better environment, better transportation, better fitness, sports and other infrastructure. All of these need land. Therefore, with the improvement of living standards, the demand for all kinds of consumption in life will continue to grow, and these consumption will increase the scarcity of land, and house prices will not necessarily fall, but will be more stable.
Will aging population increase housing demand?
China's economy is still growing, and the aging population will increase the demand for housing. Why do you say that? Fan Gang thinks that the time everyone uses a house will be extended. For example, in the past, the life span of a person was 60 years. If the house was only 60 years old, it would be passed on to his grandson and his son, and the demand for housing would be reduced. Now the life span of people is 80 years old, and the time to use the house will be longer. At the age of 60, when the child has grown up to 30, the child will need to buy a house when they get married, which is to increase the demand. Now it is in a stage of high growth and aging population. With the continuous growth of income, the demand for a happy life is also diversified. In such a process, Fan Gang believes that it will be quite a long time before houses become worthless.
Recently, Fan Gang, member of the monetary policy committee of the central bank, was pushed to the forefront of public opinion by his "six wallets" theory. When young people wander and fight in different places, they can't even live in a certain place. If they want to have a house of their own, they have to empty the savings of their parents, grandparents and grandparents' six wallets. Fan Gang's speech was publicly reported, which caused a lot of controversy.
To be fair, due to the fact that some media have taken out of context, the public has misunderstood Fan Gang's original intention. Looking back at the context at that time, when the audience asked young people whether they wanted to buy a house, Fan Gang's original intention was to say, "six wallets" is an important indicator to measure family conditions. If financial resources allow, we should make good use of the mechanism of mortgage loan, and if financial resources do not allow, we should consider renting a house, not forcing 'boarding'.
As an expert on real estate policy, he called on young people to do what they could, but Fan Gang's speech was beyond reproach. However, in the case that many young people are worried about house prices, Fan Gang's speech just activated the public's' anger point ', which is innocent of' lying on the gun '.
Youth groups have always been the main force of Internet public opinion, while housing is a "rigid demand" of Chinese youth. Facing the reality that "rigid demand" is hard to meet, young people will naturally be dissatisfied. In any country, buying a house is a major expenditure, especially in China. On the one hand, it's not easy for young people to buy a house. On the other hand, the traditional concept of "there is perseverance for those who have constant property" and the grim reality that the house is linked to scarce resources such as education and medical care all bring strong demand for purchase of a house for young people.
This strong demand for housing has given some young people the idea that they must buy a house at all costs. It is not uncommon for young people to use most of their wages to repay their monthly contributions in order to buy a house when their parents emptied their families to save the down payment. Some time ago, there was a heated discussion about "invisible poor people", which also mentioned that some high paid white-collar workers could not save in order to repay the housing loan. In this case, Fan Gang's remarks unfortunately hit the pain point of 'interest related' young people, which caused such a big controversy.