What I saw when I went back to my hometown during the Spring Festival: buying a house after 80.

Looking back at China's real estate market, most mainstream developers have returned to first-and second-tier cities, and the inventory in third-and fourth-tier cities is still serious. While facing the pressure of "destocking", these cities have to deal with the escape of some small developers.

During the Spring Festival, Neijiang City, located in the west of China, became lively. Students studying in other places and people who go out to work are all returning home at this moment. Along with the city, there are also various real estate sales departments.

During the Spring Festival, the reporter of China Business News visited a real estate in Dongxing District, Neijiang City and found that during the Spring Festival, the sales department was crowded with buyers, and the sales staff were overwhelmed. The scene of the on-site transaction was particularly lively. In order to attract migrant workers to return home, many real estates have introduced preferential policies and set up shuttle buses in various towns to pick up migrant workers to see the house. A few days before the Spring Festival, the central bank introduced a new policy. In cities that do not implement the "purchase restriction" measures, households purchase ordinary housing for the first time and apply for commercial personal housing loans. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places. This policy is considered by the industry to be beneficial to the real estate market in third-and fourth-tier cities, and more importantly, it can digest the inventory during the Spring Festival.

At the sales site of several buildings near wanda plaza, the atmosphere of buying houses is very warm. In sharp contrast, the nearby "Du He International" property is extremely deserted. The boss's running away and the unfinished property have been bothering the owners who bought the property. Zuo Zhi (a pseudonym) born after 1980s is one of them.

"Du He International" real estate is very deserted.

Zuo Zhi told reporters: "I bought the property of Du He International in June 20 12. At that time, I just graduated from work and paid the down payment with the support of my parents. I bought a three-bedroom apartment at a price of 5,500 yuan/square meter. At that time, the property sold well in Neijiang and the building was capped. Seeing that the market was so good, we also bought a house. At that time, the sales introduction was that June 20 14, 10 could be delivered, and we paid the money without thinking too much. "

But then, Zuo Zhi began a long wait. With the madness of 20 13 property market and the correction of 20 14 property market, local house prices began to appear roller coaster. The highest house price around Du He International is nearly 7,000 yuan/square meter, while the current selling price is around 4,500 yuan/square meter. The price of Du He International purchased by Zuo Zhi also showed a price correction, and the lowest selling price during the sales period was less than 4,000 yuan/square meter.

Falling house prices in third-and fourth-tier cities is a common phenomenon, and Zuo Zhi is just one of the buyers. But what makes Zuo Zhi even more dissatisfied is that the Du He international property he bought in June 20 14 has been shut down, and then it was reported that the boss ran away and the developer's capital chain was broken.

"During the National Day of 20 14, we began to prepare for decoration and purchase furniture. At that time, we paid a deposit for the National Day promotion, and then the news that the building was shut down broke out. For young people who have just started working, this is a "just-needed" housing, so it has hit me hard. " Zuo Zhi told reporters.

In fact, their property has been frozen because developers have run away. Because Zuo Zhi can't move into a new home, he has been renting a house outside, and even didn't live in a new house when he got married. In the next few days, Zuo Zhi and the owners were constantly negotiating rights protection. Some owners moved into uncompleted residential flats directly because of waiting for no results, even if there was no water and electricity property, they chose to stay.

At present, after many negotiations and constant consultations, things have finally turned around. Zuo Zhi said: "At the beginning of 20 16, Neijiang Housing Management Bureau issued a document, and we purchased 12000 yuan from the owners of Du He International Phase I, which can be used to restore real estate construction and install water and electricity facilities. At present, most owners in the first phase have agreed to this plan. By improving the final construction of the property through self-financing, the normal use of water, electricity and elevators can be guaranteed. If there is no accident, construction can be started after the Spring Festival. "

The outdoor advertisement of Du He International Sales Center has been damaged and fluttered in the wind.

Zuo Zhi also admitted that although the purchase price is too high and the follow-up expenses are not expected, in order to stay as soon as possible, he can only reluctantly spend more money. However, the owners of Du He International Phase II are not so lucky, and the above solutions are only applicable to the owners of Phase I. The situation of Du He International Phase II is more complicated, its sales stage has not been completed, and the exterior wall of the building has not been renovated.

The reporter of China Business News saw at the scene that during the Spring Festival, the surrounding property sales centers were crowded, but Du He International was very deserted. The advertisements outside the sales center are damaged and scattered with the wind, and there is no property management company in the community. Anyone can come in and out at will.

Local real estate industry insiders told reporters that although the central bank lowered the down payment ratio and lowered the threshold for buying houses, sales were really hot during the Spring Festival, but many migrant workers did not earn as much money as in previous years this year, and many people could not afford to buy houses. "Many migrant workers are working in the manufacturing industry, and the industry is sluggish. Some people worked for a year last year, but they didn't get paid for the whole year. They are under great pressure to buy a house, but many are reluctant to use bank loans. " Local industry insiders told reporters. Prior to this, Neijiang municipal government has introduced some financial subsidy policies to subsidize college students, farmers and other people to buy houses.

Looking back at China's real estate market, most mainstream developers have returned to first-and second-tier cities, and the inventory in third-and fourth-tier cities is still serious. These cities are facing the pressure of "destocking", and some small developers have to run away. The reporter of "China Business News" learned from many interviews that in addition to the above-mentioned properties, some properties in Neijiang have been delayed, and the news that developers are running away has come out. So, where will these unfinished properties go? What about the buyers who bought these houses?

"If our real estate starts next year, then I can live in the Spring Festival next year. Even if I don't live in or rent out, it can alleviate my current pressure of repaying loans. Although I feel a little lost, there is no other way. " After waiting for more than three years, Zuo Zhi obviously calmed down a lot. Regrettably, there are still many property buyers who have the same experience as Zuo Zhi. After waiting for three years, it may take a longer time.

(The above answers were published on 20 16-02- 16. Please refer to the actual situation for the current purchase policy. )

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