Recently, the shell Research Institute released the 2018 national survey report on home buyers. According to the data, what is the reason for the average age of home buyers in 2018 to be 27 years old? Compared with other parts of the world, the age of buying houses is younger, which is one of the important reasons for the relatively active property market in China.
The per capita purchase area of the buyer is less than 28 ㎡
Through a questionnaire survey on the property owners in 2018, the report shows that the per capita living area of the property buyers in 2018 is 27.8 square meters, of which 24.3% are less than 20 square meters, equivalent to less than 60 square meters for a family of three.
From the perspective of age division, the report said that compared with the post-90s with weak capital accumulation, the living space of the post-80s is narrower. According to the data, the average living area of people with red scarf is 27 square meters, and the living conditions of them are the worst among all ages.
The report points out that the current Chinese real estate market has entered the era of stock, and the demand for second-hand houses can reflect the overall demand of buyers in the real estate market to a certain extent. In the second-hand housing market, the demand for housing is mainly two bedrooms. At present, the housing conditions of single families are abundant, and the number of bedrooms per capita in a family of two has reached one. However, according to complete statistics, 60% of the families have less than one bedroom per capita, such as 0.8 bedrooms for a family of three and 0.6 bedrooms per capita for a family of four or more, that is to say, the larger the family size, the more crowded it will be.
First home buyers are more dependent on loans to buy houses
According to the report, the first home buyers have a strong dependence on loans. In 2018, the proportion of first-time home buyers' loan transactions was 90%, the highest proportion of loan transactions for different purchase needs. '
At the same time, their leverage is higher. According to the report statistics, in 2018, the average monthly supply income ratio of first-time buyers was 42.9%, 5 percentage points higher than other purchase demand, among which, the proportion of monthly supply income ratio of more than 50% also exceeded other groups.
The report points out that because most of the first demand comes from the post-80s and post-90s, the debt service pressure of the younger generation is particularly prominent. The data shows that the ratio of monthly supply to income is 40.8% in the post-80s and 43.5% in the post-90s. Combined with 32% in the pre-80s, it can be preliminarily concluded that the younger the age is, the greater the monthly supply burden is. It is worth mentioning that, regardless of age group, from the perspective of income dimension, low-income people have higher leverage, with an average monthly supply income ratio of 43%. In addition, the average monthly income ratio of house buyers in the third and fourth tier cities is significantly higher than that in other high-energy cities, with a value of 42.4%.
The report said that China's housing market is unbalanced
According to the analysis of the report, under the continuous regulation and control, China's real estate has changed a lot in 2018, and the logic of market fluctuation and price rise has split and differentiated among different groups. Xu Xiaole, chief market analyst of Shell Research Institute, said: 'there is an obvious imbalance in the purchase of housing in China, and this problem is the main direction of housing system reform at this stage and in the future. '
Xu Xiaole predicted that in 2019, China's real estate supervision will be mainly based on the relaxation of moderate temperature. In such an environment, considering the living status, leverage pressure, and purchase demand of different buyers, he believed that to build a long-term mechanism of the real estate market, policies should support people who have houses to change their houses, encourage them to sell houses and buy houses, especially encourage them to sell two to buy one, and sell three to buy one.
In addition, at present, there is a close interaction between leasing and purchase, and more than half of the buyers come from the leasing market. After buying a house, investors will also use 55% of their houses for rent. Therefore, to develop the market structure of rent and purchase simultaneously, we should encourage more houses to be rented, provide enough housing supply for a large number of people without houses, and cultivate hope for the future market development.