Rebirth: The Financial Giant

"Reborn Financial Giant (

Thursday, July 18.

At about 10:00 in the morning, Lu Ming was invited to the relevant departments of Ningzhou to participate in a seminar.

"All aspects of the pilot program of the common wealth program have been carried 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 difficulties to relevant parties. For example, in the housing market in our city, the price of commercial housing has risen significantly, the housing rental market is also on the rise, and many companies have complained to the relevant departments."

"Hehe, from a dialectical point of view, I think this is a good thing. The pilot project is to try out the problem node. If there is a problem, it's okay, but I'm afraid that there will be a problem." Another participant said.

"About 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 is obvious, even if it is not immediate. Three of the problems are the most prominent. The first is the price fluctuations in the commercial housing market.

The pilot program was announced in detail, and the property market in Ningzhou was on the rise.

Directly send money to 1.6 million young people, with an average of more than 70 billion yuan per year, and the target of the money is basically a young group who cannot own a car. Open, of course, happy.

At present, the average housing price in Ningzhou was 12,000/sqm last month, but it has risen rapidly to 15,000/sqm this month, a jump of +25% in half a month. This is the actual property market price.

If it is inquired online, especially the guide price of second-hand housing is still around 12,000, which has indeed risen but has not exceeded 13,000.

However, the strong demand for buying a house cannot be sustained. Ningzhou continues to maintain the general trend of net inflow of population, and the inflow groups are still quite high net worth, because Ningzhou now has the opportunity to attract foreign talents to develop here.

Therefore, some buyers still do not buy according to the guide price. For example, the guide price of a house is 1.2 million yuan, and the owner actually quoted 1.5 million yuan, but some people are willing to change hands at 1.5 million yuan, and the relevant departments do not.

The guide price is not to guide the buyer, but to the bank. That is to say, if the buyer wants a loan, the bank will only lend him 1.2 million yuan. With a down payment of 30%, the bank will only lend him 840,000 yuan based on 1.2 million yuan instead of 1.05 million yuan. The other 210,000 yuan gap is for the buyer to find a way to make up.

It is equivalent to saying that for a house of 1.5 million, his actual down payment 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 little premium is acceptable. In the final analysis, the houses in Ningzhou have not been hyped up, and the relevant local authorities are also very strict. That is really strict, really. pressure.

For no other reason, Ningzhou is now completely free from its dependence on land finance. The proportion of fiscal revenue from land sales ranks at the bottom of all cities in the country. The data for the second quarter of this year has come out, and it ranks last.

In addition, the financial surplus is huge, and an additional 300 billion yuan was handed over to the central government for transfer payments. Ningzhou also won the praise of the people all over the country.

Therefore, Ningzhou has no dependence on the property market. Of course, it is severely suppressed. It is not ambiguous at all. In other places, it may be "housing? No, speculating!", but Ningzhou is a thorough "housing and not speculating." ”, this has entered the second half of 2019, and the average property price of the entire Ningzhou city is only 12,000/square meter.

With the current development prospects and the level of urban infrastructure in Ningzhou, it is difficult to find such a cheap average price in the real estate market nationwide.

Moreover, the average price of 12,000 yuan was brought up by the area of ​​the new financial center in Ningzhou. The price of houses in this place is outrageously exaggerated. The average price in the new financial center has reached 128,000/square meter. It is on par with, or even better than, the land prices in the first-tier metropolises such as Shanghai and Shenzhen.

It is really 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 about 12,000 per square meter, the actual transaction has already exceeded 40,000 yuan. A house of about 100 square meters is four to five million yuan. .

But the relevant departments did not care, because the person who bought the house spent four or five million, but the money did not have leveraged funds, but bought almost all of it, and it was the real rich people who took the lead. Next, if it is a down payment on a loan, it means that the buyer has to pay an additional 3.5 million in interest, and the actual cost of buying a house is 8.5 million.

Of course, Ningzhou will not suppress these people who buy houses with full money. Just kidding, they are basically migrants. If they buy all the money, the money will flow into Ningzhou.

No leveraged capital means no bubbles. Even if it rises to the sky, 400,000 yuan/square meter will be exchanged, and the relevant departments will not take care of it. People who sell their houses will pay such a huge sum of money, and they must be reckless. With five million cash in hand, buying a house every few streets and a few rings would cost 12.3 million yuan, and there are more than 3 million in cash left, so consumption will inevitably be upgraded.

The money flows.

However, there are not many people like this, and there are really few people who can buy a house with the full price of 5 million. Those who can afford it are the real rich people.

Relevant departments of Ningzhou City's regulation of the local property market focus on deleveraging and controlling leverage.

Although the actual private price of houses in the surrounding blocks of the new financial center has reached the level of 40,000 yuan, there are not many people who buy them, and those owners are absolutely reluctant to trade at the guide price, and would rather hold them than sell them. We all know that it is worth the old nose money, so we just wait for the wealthy people from outside to take the full payment. It may be more expensive in the future. Anyway, the future of Ningzhou is looming.

The launch of the pilot program last week has indeed raised the actual housing prices in Ningzhou as a whole. After all, it has directly released 1.6 million potential just-needed households, and it is still a large scale to remove children under the age of 18.

The world is full of benefits, and the money will not be distributed to these young people until next year, but all the gods have been staring at their money and began to find ways to get their money.

The second is more prominent in the housing rental market. Landlords also want to increase prices. Some have already announced that they will increase prices after the year, and they want to take a share of the pie from these young people.

The third more prominent problem is employment and industry issues~www.novelmt.com~ With the direct payment of money to 1.6 million people, it is bound to impact the current industrial structure of Ningzhou City, and young people are guaranteed, originally they had to use damage I will definitely not be willing to do work that is physically and mentally healthy, because I can directly receive a sum of money every month to cover my basic living expenses.

Young people who are 18 years old can directly receive more than 2,400 yuan per month from next year. If they are 25 years old, they can directly receive about 4,700 yuan per month. If they are 30 years old, they can directly receive each month. Can directly receive more than 7,600 yuan in cash.

It is unrealistic to talk about the comprehensive per capita income in Ningzhou City, because the rise in Lu Ming's net 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 is soaring.

Therefore, it is more realistic to talk about the median, and the current median income in Ningzhou is about 4,100 yuan per month, which means that young people over the age of 25 will be able to receive income directly from next year. The money received is more than the current median income level in the city.

The 25-year-old age group is just at the stage of a college graduate who is just entering the society looking for a job. Starting from next year, he will receive more than 4,700 yuan per month. Work that damages physical and mental health will definitely not be done, which means that Ningzhou The low-end manufacturing industry in the city is further facing the problem of difficulty in recruiting workers. For example, some local factories will be even more difficult to recruit.

Originally, these young people were reluctant to go to the factory to make screws. Now that these young people can directly receive money, it is even less likely that they will be able to screw screws. They would rather stay at home and play games than screw screws.

At the end, the leaders at the meeting looked at Lu Ming and said, "Comrade Lu Ming, what do you think?"

...