The growth system comes at the age of 30

Chapter 161 Buying a House
Jiangbei is a small city. Something that may seem ordinary to outsiders may cause a stir and become a topic of conversation among citizens in the streets and alleys after dinner.

If it was just a price reduction of a property, probably no one would care, but it would be a different story if it involved rights protection.

Many people, including Chen Jingle and Liang Cheng, are watching the fun and continue to pay attention to subsequent developments.

If the matter becomes too serious, it is possible to obtain certain compensation through official mediation, such as free parking spaces, home appliances, and decoration.

Of course, there is no hope of getting a refund when you check out.

I originally thought that the heat surrounding the Biguiyuan incident would gradually die down and eventually disappear in silence.

Because this kind of thing has been happening almost everywhere in the past two years, it is no longer surprising to Chen Jingle and the majority of netizens.

But this time it happened in his own city, which made him feel a little sad.

As a result, Chen Xiuyun came over in the afternoon and also mentioned the same matter.

The reason was that there was a teacher in their school who bought a house there and was very angry. She wanted to go to the sales office to make a scene and see if there was any compensation, but because of her identity as a teacher, she couldn't go.

It is said that the owners' group has begun planning to organize more protest actions, such as asking the media to help expose the matter.

I also showed Chen Jingle the relevant video.

A female owner rolled on the floor in the sales office, crying her heart out.

Come to think of it, the value of a newly bought house may drop by hundreds of thousands in less than a year, and years of savings may just disappear like that. No one can bear this.

but……

Forgive Chen Jingle for being frank, but it is likely that no matter how much trouble you make, it will be of no use.

Biguiyuan is short of funds now, so it is impossible to refund the difference to the old owners. If Jiangbei makes up the difference, what about other places?
The property market is just like the stock market, it has ups and downs, so just accept the consequences when you lose.

By the way, he had seen a video before of someone crying heart-wrenchingly in a sales office, except that the people crying were those who couldn't buy a house due to the purchase restrictions in Chengdu.

Compared with today, it is really ironic.

How could those people who were frantically buying the products back then have imagined the outcome today?

Chen Xiuyun said: "You probably don't have any intention of buying a house recently? If you do, it's best not to buy it yet. It seems that the housing prices in Jiangbei can't hold up either, and they will continue to fall."

"Do you think I look like someone who has money to buy a house?" Chen Jingle laughed.

Chen Xiuyun smiled and said, "The down payment should be okay for you."

Chen Jingle rolled his eyes. "Hundreds of thousands is not cheap. I live well now, why should I move? Maybe I will buy a house when the price becomes very cheap."

"If they say it will continue to drop, I believe it. But it's unlikely to become dirt cheap."

Chen Xiuyun's ideas are still conservative.

Chen Jingle chuckled, "Don't tell me, given the current rate of decline in the number of newborns, it's really possible. Even if it's impossible for a city like Jiangbei with a high population growth, it may not be the case for other cities. In the future, there will definitely be more and more cities like Hegang Huizhou, which have serious population loss and no industrial advantages. How can they support the high housing prices?"

"The problem is that it's impossible to buy a house in Hegang or Huizhou? You don't work there." Chen Xiuyun frowned.

"I don't have a job now, but the point is that as long as there is a city like this, it will at least be a way out for those who can't afford to buy a house."

Chen Jing laughed happily.

……

Once upon a time, Chen Jingle was very eager to buy a house.

At that time, I might have been influenced by the environment and the people around me.

When he just graduated, the real estate market was at its peak and everyone was buying properties frantically, as if if they didn't buy now, they would not be able to buy them in the future.

It was in that year that the Biguiyuan real estate project in Jiangbei began to be sold, and the housing price jumped directly from 5000 to 7000, and then increased to 9000 and 10000.

Based on this, Chen Jingle felt that Bi Guiyuan's death was not a pity.

Every time relatives gather together during festivals, the topic of housing will come up. Who bought a house recently, where did they buy it, how much per square meter, which school will their children go to in the future...

Some families even go into debt just to buy a house in the city.

In such an environment, it is easy for people to make blind judgments.

At that time, Chen Jingle had a decent income, so he was considering whether to save for a down payment in two or three years.

He never thought of buying a house in the provincial capital. After all, the housing prices in the provincial capital at that time were already outrageous and the prices were very high. Even the areas far away from the city center were beyond the reach of a working man like him.

His idea was to work in the provincial capital and then buy a house in Jiangbei so that he would have a place to stay during the holidays and keep the old house in the village.

This is also the idea and actual practice of many Jiangbei people working in the Pearl River Delta.

Unfortunately, the housing prices rose too fast, and before he could get on the train, they had already gone through the roof. It was a blessing in disguise, and he escaped a disaster.

Many of my classmates who bought houses two years ago are now feeling the pinch. After all, more than one Biguiyuan is being sold at a reduced price.

What’s even worse is that the house was left unfinished and has not yet been delivered.

Now Chen Jingle no longer has any idea of buying a house.

After all, commercial housing is not as comfortable as his detached villa in the countryside.

Unless you want to transfer your child to a better school in the future.

The problem is that he doesn’t even have a girlfriend right now, so how can he consider things like his children’s education in the future?

In summary, don’t buy it!
……

Chen Jingle didn't want to buy it, but Chen Xiuyun did want to.

She said: "Lin Yaoheng said before that he wanted to buy a small apartment and move out, but luckily he held back. I feel that now is not the time to buy a house, at least wait until the second half of next year."

Chen Jingle was surprised: "Why did you think of buying a house? Isn't it comfortable to live with my parents-in-law, my brother and my sister-in-law?"

"I didn't say I felt uncomfortable, although there were a lot of people at home..."

Chen Xiuyun held her chin up and said, "He was worried that I would not be comfortable living here, so he wanted a small space. After all, his eldest brother and his wife are planning to have a baby next year, and then the house will be more lively. Living with a child is a bit inconvenient. But his parents don't want the family to be separated, so it's a bit tangled."

Chen Jingle said with a smile: "With your combined salaries, you can buy anything as long as it's not a villa or a large flat, but now is definitely not the time to enter the market."

After a pause, he added: "Maybe 2026 or 2027 will be better."

Chen Xiuyun was stunned: "We have to wait another two or three years?" She thought it would be around July or August next year.

Chen Jingle nodded: "Yes, with the current economic situation, do you think it will be so easy to get better? Take the 08 financial crisis as an example. Even though we paid for Xida, it lasted for four or five years. Now that we are not paying for Xida, and both sides are struggling with each other, do you think it will last less than four or five years?"

The 4 trillion yuan investment back then helped us and Xi’an University to successfully get out of the crisis, but it resulted in a series of problems such as inflation, overcapacity, soaring housing prices, bank bad debts, huge local debts, and missed best opportunities for industrial restructuring.

These problems have not been resolved so far.

It can be seen that the impact is far-reaching and detrimental.

"Then, what should we do now? Wait for housing prices to continue to drop?" Chen Xiuyun was a little confused.

After all, her master's degree is in agronomy, and she has only a superficial understanding of other fields. She is not like Chen Jingle, who likes to pay attention to various current political hot spots.

Chen Jingle nodded: "Yes, it has to be reduced! Just like the stock market crash and bank runs, when that happens, everyone will run away, knowing that it is over. Even if the country comes out to call on everyone not to panic and it is just a technical adjustment, it will be useless. Because the panic run has already happened, in this case, no one is willing to bet on their luck and not be the last one to take over.

In addition, the public area is gradually being eliminated. Whether in first-tier cities or in counties and towns, many new real estate projects now have a floor area ratio of over 100%, and some even have an exaggerated 130%. An 88-square-meter house can have four bedrooms and two bathrooms. In this case, what is the point of buying a house with a public area of over 20% or even 30%? "

“130% room rate?!”

Chen Xiuyun was stunned. She really didn't know.

Over the past year, she has been busy with graduation, civil service exams, and job hunting, so she doesn't have much time to pay attention to other things.

Lin Yaoheng would talk to her once about buying a house before telling Chen Jingle.

In a small place like Jiangbei, it is still in the era of public sharing, and the best housing estate is only 90%, such as Yuhu Villa in the north of the city. And all the houses were built more than ten years ago, when real estate developers still had some conscience.

For her, a house ownership rate of 130% is simply a fantasy.

If the public area is really abolished, there is really no need to buy now. There were too many new houses in Jiangbei before, and there are no new houses this year. There is no community with a house rate of more than 100%.

Chen Jingle nodded: "So, unless it is necessary, it is not recommended to buy it now. Wait two years."

"But I heard that if you keep money in the bank, it won't keep up with inflation." Chen Xiuyun hesitated.

Chen Jingle asked back: "If you don't put it in the bank, where are you going to put it? Funds? Stock market? Real estate market? Gold?"

Chen Xiuyun choked.

She doesn't understand the fund and stock market, and the property market is plummeting. Gold is rising sharply, but the problem is that the price is already very high, so it doesn't seem suitable to buy, and the price of gold fluctuates a lot.

It seems that except for banks, nothing else is reliable.

"There is actually very little we ordinary people can do when facing this level of financial depression. My advice is to eat and drink as you should, and save more money."

Chen Jingle smiled calmly and said, "As for inflation, I can only say that as long as development does not stagnate, inflation will exist. It's just a matter of more or less. If the price of bread doesn't rise to 50 yuan per piece, there's no need to worry so much.

Many times, the so-called doubling of vegetable and fruit prices reported by the media is actually seasonal. With your saving speed, you can definitely offset the depreciation rate caused by inflation. But at this stage, it is best to reduce large-scale consumption, pay in full if possible, and try to be debt-free. "

Being in debt is scary, especially when it's large.

For those who have a monthly mortgage payment of 80,000 or 10,000 yuan, once the crisis comes and a wave of unemployment hits, without a job to fall back on, a family with a good income can be turned into a mess in a matter of minutes.

(End of this chapter)