Chapter 762 [The money has not been sent, and all the gods have shown their magical powers]
Thursday, July 18th.
Around 10 a.m., Lu Ming was invited to attend a seminar with relevant departments in Ningzhou City.
"All aspects of the pilot work of the shared wealth plan have been rolled out in an orderly manner and are being implemented one by one, but many potential problems have also emerged one by one." A city leader who attended the meeting said: "It has also brought some problems to relevant parties.
, such as our city’s housing market, the price of commercial housing has increased significantly, the housing rental market is also on the rise, and many companies have complained to relevant departments.”
"Haha, from a dialectical point of view, I think this is a good thing. Piloting is to try out the problem nodes. If there are problems, it's okay. I am afraid that problems will not appear." Another participant said.
"Regarding the problem of the property market, is it necessary to introduce some measures to intervene?" another participant said.
With the official announcement of the pilot program last week, the impact on Ningzhou City is very obvious, not to mention immediate. Among them, three problems are the most prominent. The first is the price fluctuation in the commercial housing market.
After the pilot plan was announced in detail, Ningzhou's property market boomed.
Directly disbursing money to 1.6 million young people, with an average annual disbursement of more than 70 billion, and the recipients of the disbursement are basically a group of young people who cannot afford to own a car, and are just in need of households. The property market in Ningzhou is expected to be directly
Open it, of course it will be fun.
Currently, the average housing price in Ningzhou City was 12,000/square meter last month, but it has quickly risen to 15,000/square meter this month, a sharp increase of +25% in half a month. This is the actual property market price.
If you check online, especially the guide price of second-hand houses is still around 12,000, it has indeed increased but it has not exceeded around 13,000.
However, unable to withstand the strong demand for housing, Ningzhou City continues to maintain a general trend of net population inflow, and the inflow groups are all quite high net worth, because Ningzhou City now has the opportunity to attract foreign talents to develop here.
Therefore, some home buyers still do not buy according to the guide price. For example, the guide price of a house is 1.2 million, and the owner actually quotes 1.5 million. However, even if some people are willing to exchange the house for 1.5 million, the relevant departments can't do anything.
The guide price is not a guide to the house buyer, but a guide to the bank. In other words, if the house buyer wants a loan, the bank will only lend him a loan based on 1.2 million. If the down payment is 30%, the bank will only lend him a loan based on 1.2 million.
840,000 yuan instead of 1.05 million yuan. The other 210,000 yuan shortfall must be made up by the home buyer himself.
For example, for a 1.5 million house, his actual down payment amount is 570,000 yuan, and the down payment ratio is 38%.
Many people are willing to buy a house at a higher price than the guide price. These people think that even a higher price is acceptable. In the final analysis, houses in Ningzhou City are not subject to speculation, and the relevant local authorities are also very strict. That is really strict, really
of pressure.
For no other reason, Ningzhou City has now completely broken away from its dependence on land finance. The proportion of fiscal revenue derived from land sales and transfers ranks at the bottom among all cities in the country. The data for the second quarter of this year has been released, ranking last.
In addition, the fiscal surplus was huge, and an additional 300 billion was handed over to the central government for transfer payments. Ningzhou City also won praise from people across the country.
Therefore, Ningzhou City is not dependent on the property market. Of course, it is suppressing it very hard, without any ambiguity. In other places, it may be "House for living? No, speculation!", but Ningzhou City is completely "Housing for living, not speculation!" "It's already the second half of 2019, and the average property price in Ningzhou City is only 12,000/square meter.
With Ningzhou City's current development prospects and urban infrastructure level, it is difficult to find such a cheap average property price nationwide.
Moreover, the average price of 12,000 yuan was brought up by the area of the New Financial Center in Ningzhou City. The price of houses in this place is outrageously exaggerated. The average price in the new financial center has reached 128,000 yuan/square meter. Directly The land prices in the city centers of first-tier metropolitan areas such as Shanghai and Shenzhen are on par with, or even higher than, those in the city centers.
It's really just across the street, and the price difference is more than ten times.
But the houses across the street are also very valuable. Although the official guide price of these houses is still around 12,000 yuan per square meter, the actual transaction has already exceeded 40,000 yuan. A house of about 100 square meters costs 4 to 5 million yuan. .
But the relevant departments did not care about it, because the person who bought this house spent four to five million, but the money was not leveraged, but was bought almost in full. It was a real wealthy person who firmly controlled the house. Next, if it is a down payment on a loan, it means that the home buyer has to pay an additional 3.5 million in interest, and the actual cost of buying the house is 8.5 million.
Of course, Ningzhou City will not suppress those who buy houses with full payment. Just kidding, they are basically immigrants. They bought the house with full payment, and the money will flow into Ningzhou City.
No leveraged funds means no bubble. Even if it rises to the sky and 400,000 yuan/square meter is exchanged, the relevant departments will not take care of it. People who sell their houses must have no scruples if they have such a huge sum of money. To upgrade consumption, if you take 5 million in cash and buy a house a few blocks away or a few rings away, it will cost 12.3 million to buy a house. With more than 3 million in cash left, consumption will inevitably upgrade.
Money started flowing.
However, there are not many such scammers, and there are really not many people who can buy a house with the full payment of 5 million. Those who can afford it are the real rich people.
The core of the regulation of the local property market by relevant departments in Ningzhou City is to deleverage and control leverage.
Although the actual private price of houses in the surrounding neighborhoods of the new financial center has reached the level of 40,000 yuan, not many people are buying them, and those owners are absolutely unwilling to close the transaction at the guide price, and would rather hold it in their hands than sell it. We all know it’s worth the money, so we’re just waiting for a rich person from outside to take over the purchase in full. It might be even more expensive in the future. Anyway, the future of Ningzhou City is bright.
The pilot program came out last week, which indeed raised the actual housing prices in Ningzhou City as a whole. After all, it directly released 1.6 million potential households in urgent need. Excluding children under 18 years old is still a large scale.
Everyone in the world is interested in profit, and the money will not be distributed to these young people until next year, but all the gods are already eyeing their money and are starting to think of ways to get their hands on it.
The second more prominent issue is the housing rental market. Landlords also want to increase prices, and some have already begun to announce price increases after the year, hoping to get a share of the pie from these young people.
The third more prominent issue is employment and industrial issues. With the direct payment of money to 1.6 million people, it is bound to have an impact on the current industrial structure of Ningzhou City. Now that young people are protected, they will definitely have to work at a job that damages their physical and mental health. I won’t be willing to do it anymore because I can receive a sum of money directly every month to cover my basic living expenses.
Young people over the age of 18 will receive more than 2,400 yuan per month starting next year. If they are over 25, they will receive about 4,700 yuan per month. And if they are over 30, they will receive about 4,700 yuan per month.
You can directly receive more than 7,600 yuan in cash.
It is unrealistic to talk about per capita comprehensive income in Ningzhou City now, because the increase in Lu Ming's worth alone has directly doubled the city's per capita income data. Looking at this data, you will find that in the past three years,
The per capita income of Ningzhou City is soaring.
Therefore, talking about the median is more realistic, and the current median income in Ningzhou City is about 4,100 yuan/month, which means that young people over the age of 25 will be able to directly receive only
The money received exceeds the city's current median income level.
The 25-year-old age group is just the stage when a college student has just graduated and entered the society to find a job. Starting next year, he will receive more than 4,700 yuan a month. He will definitely not do a job that damages his physical and mental health, which means that Ningzhou
The city's low-end manufacturing industry is further facing the problem of recruiting workers. For example, some local factories will be even more unable to recruit workers.
Originally, this group of young people were unwilling to go to the factory to drill screws. Now that these young people can receive money directly, they are even less likely to drill screws. They would rather stay at home and play games than drill screws.
At the end, the leaders attending the meeting looked at Lu Ming and said, "Comrade Lu Ming, what do you think?"
