My Fintech Empire

The real estate industry is currently in a downturn, and major cities are facing difficulties in removing inventory.

But the property market in Xincheng is not the same as that in other cities across the country.

Other cities are now worried to death, and they are eager to wait for the property market to pick up.

Xincheng is the complete opposite. The city's real estate market is booming, but it is tightening relevant policies to suppress the overly hot real estate market. This is truly practicing the four words "housing is for living, not for speculation", and it is a heavy blow.

Because real estate interest groups can no longer influence Xincheng, even if a piece of land is not sold throughout the year, it will not affect Xincheng's finances at all. Therefore, real estate interest groups have no say in this city now, and their weight has become irrelevant.

Even Huayang Group, which has now become the leading real estate company in the country, has followed Qunxing Capital to get involved. To say that the most powerful and important presence in today's new city is undoubtedly Qunxing Capital.

But having said that, even if the city intervenes in the property market, the property market in Xincheng is still hot. Because this city has huge prospects, the most critical thing is the net inflow trend of population that continues to grow at a high speed.

The influx of a large number of immigrants has brought huge demand for real estate. If the immigrants settle in the new city and want to take root in this city, buying a house is unavoidable. The property market is naturally booming.

Forcibly intervening in the market is not a good idea after all, but it is not without solutions.

In fact, the solution has long been decided, and it was also Fang Hong’s suggestion to the leaders of Xincheng that was adopted, which is to use affordable housing to solve the problem of home ownership for low- and middle-income groups.

Provide a large number of affordable housing. According to the city's latest plan, the proportion of affordable housing provided in the next five years will reach 35% of the new town's housing stock, which means that 35 of every 100 houses will be affordable housing.

After laying out this matter, we will then liberalize commercial housing and hand over pricing power to the market. To put it bluntly, as long as rich people are willing to pay the bill, Xincheng commercial housing can be sold as high as they want.

In other words, in the future, the increase in commercial housing in new cities will be paid by the rich who are not short of money.

Provide affordable housing for low- and middle-income people living in new cities to achieve the goal of home ownership.

The affordable housing in Xincheng does not adopt the emasculated housing attributes suggested by some experts. For example, the affordable housing cannot have its own independent kitchen, independent bathroom, and does not provide running water.

The reason of the Zhuan family is that only by doing this can we prevent people who drive Mercedes-Benz and Porsche from living in affordable housing.

This argument may sound reasonable at first glance, but it actually avoids the fundamental problem of the powerful squeezing the living space of the lower class.

We are now in the information age, and the cost of social management has been greatly reduced compared to before, and the penetration of information is not what it used to be. To put it bluntly, it depends on whether you are sincere in doing this and whether you are determined and in place.

As long as the determination is in place, it will be impossible for people who drive Mercedes-Benz and Porsche to live in affordable housing, and there will be no need to make such bad ideas as canceling kitchens and bathrooms.

The pricing of affordable housing in Xincheng is significantly different from that of commercial housing. It is anchored to the minimum wage standard in Xincheng, with a couple as a unit, and the price fluctuation of affordable housing also anchors the minimum wage standard in Xincheng.

In other words, the increase in the price of affordable housing in a new city depends on the increase in the city's minimum wage. On the contrary, the decline in the price of affordable housing depends on the decrease in the minimum wage in the new city.

However, it is basically impossible to lower the minimum wage standard, it will only increase.

The current minimum wage standard in Xincheng is 2,230 yuan/month. Using this as an anchor, and taking a couple as a unit, the price of affordable housing is 4,460 yuan/square meter.

Assume that a 80-square-meter affordable house requires 356,800 yuan to buy. If a couple only takes the monthly salary standard of 2,230 yuan, the family's annual income is 53,520 yuan, and they can buy it after 7 years without food or water. Buy this 80 square meter affordable house.

The actual income of a migrant worker at the bottom of the new city must be far above the minimum wage.

Unless you don't work overtime and only get the minimum wage, you will definitely have to work overtime. There will be overtime pay, perfect attendance bonuses, etc. If you add up all the things, you can definitely get more than 3,000 yuan in salary for screwing in a month.

These are not the key points. The real point is that you can buy an 80-square-meter house in such a new first-tier city for about 350,000 yuan. This is the most incredible thing. People living in other cities seem to be watching Like a science fiction movie.

The price of affordable housing per square meter is less than 4,500 yuan, while the current average price of commercial housing in Xincheng is 23,200 yuan per square meter. The price difference between the two is five times. In prime locations in the city center, it is double, that is, a difference of ten times.

The price difference is five to ten times, but they enjoy the same urban public infrastructure services, medical care, education and other resources.

Moreover, the affordable housing in the new city is not centralized. It does not mean that the construction of affordable housing is concentrated in one area, but scattered in various locations throughout the new city.

There are them in suburban areas, as well as in prosperous areas in the city center.

It would be unthinkable in other cities.

A commercial house in a prosperous area of ​​the city center is also 80 square meters and costs 3 to 4 million, but a social housing only costs about 350,000, which is a tenfold price difference.

In the development and operation of a city, in addition to high-end positions and high-end talents, people are also needed for mid- to low-end positions. Sanitation workers are needed to maintain the sanitation and environment of the city, and service personnel in low-end positions are needed to carry dishes.

If the new town is to be humane, workers such as serving dishes and sweeping streets, which many people regard as dishonorable, must have a roof over their heads, receive medical treatment for their illnesses, have jobs for their hard work, and gain rewards for their hard work.

If you don’t want to do the low-paying and undignified jobs of serving dishes or sweeping the streets, but also want to settle in this city, then you can spend more money to offset it, that is, buy more expensive commercial housing.

We can't let the rich take all the good things and pass all the suffering on to the poor. This is bullying the honest people and makes this city inhumane. This is not in line with Fang Hong's vision of everyone doing it. The longing for the city of the future.

Like some big cities, you dedicated your life to the city when you were young, sweeping the streets and serving dishes for most of your life. In the end, you have no place to stand on your own. When you get old, you can only be forced to return to your hometown, just like a battery. Throw it away after use, but it will increase the burden on your hometown. When you were young, you did not contribute taxes and consumption to your hometown, and you took your hometown's wealth to the big city. When it is over, your hometown will still have to bear the cost of pension and pension. Medical costs.

Where does the human touch come from in such a big city? Where does the sense of belonging come from?

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