Wu Jungang column
"Anshiguang has tens of millions of rooms, the cold people in the world are full of face, and the wind and rain will not move."The book of Pan Sheng, the late local calligrapher, was hung on the wall of the HDB Development Bureau.Young people in Singapore may not understand.
At that time, Du Fu, the great Tang Dynasty poet, was rolled away by the roof by the autumn wind because of his thatched house, and lamented that he wrote down the cottage to break the autumn breeze.These words in the poem express the eagerness of the big poets who are poor, or dreams.Dreams are naturally not realized.However, more than 1200 years later, on a small island of Nanyang, there was a government who governed by it to realize the ideal of Guangsha's millions of rooms.Not only the Hanshi, all the older generations of Singaporeans who have lived in the Asian answer house or zinc board house, or have been 72 tenants, will be grateful to Dade to the government.Today, more than 80 % of Singapore lives in a group house.However, some Singaporeans are now unhappy, and the housing house has become a subject of continuous controversy of political parties.What exactly is going on?
A few days ago, the DPRK political parties fiercely argued in Congress for 12 hours.What is noisy?The controversy is whether people can afford a house.Can I buy a house?This is also strange. If the average person can't afford it or can't buy a group, how can there be so many people living in the HDB area?
The crux of the problem, to put it in, is the transformation from the original demand (Needs) problem to the WANTS problem.At that time, the older generation of people applied for a group of houses, purely to meet the needs of living, hoping to live a day when the storms are not moving, and there is no need to worry about a fire like a river and mountains.Time has moved, and now people apply for a house, and they have participated in the consideration of a certain desire, not just that there are houses to settle down.It is easier to meet demand, but desire is bottomless, and no one can satisfy it.
However, the government has been trying to satisfy people's desires over the years.For example, the apartment -type house and the noble Dabeling group house in Guangdong Min Road (urban area) made the portrait of the draw.People apply for an application, and the result must be happy, and most people are disappointed.
If each family gets a house, it will live there honestly.The problem is that there is a huge resale market in the HDB.In other words, the group house has changed from only for living to a commodity that can be resold.The resale was originally allowed to change the flexibility of large or small change with the situation of the family, but it also made the house's commercialization, which promoted people's desire.Some people just want to get lucky to get new houses in mature areas, because strange goods can be available.It is Cheng Ye Xiao He, and Xiao He is defeated.
Now, the transfer price of some four -bedroom houses is as high as 900,000 yuan, and the five -bedroom -style over million is not a news. Last year, there were 370 million yuan of house trading.The resale market has given many people a group wealth. Today's resale price may be several times higher than the purchase price of that year.But the market is inevitable to speculate, in turn distort the market, and also forms a foam.Think about it, a second -hand and three -bedroom house that may have lived for 20 years, is it really worth three and 400,000 yuan?The four -bedroom style is really worth 8.9 million yuan?The five -bedroom style is really worth a million yuan?
Who is buying a second -hand house?Comprehensive news reports, there are several types of people: the first purchaser who lives in the middle -Italian location (they are unwilling to go to the new town, rather buy second -hand houses in a mature area at a high price); the pants pockets have become deeperPermanent residents who buy second -hand houses, and those who transfer to public.The last kind of person is owner of a private house. Because he is old, adult children also move away, so if you want to sell a house, you can have a considerable amount at hand.
In short, the second -hand house has a great demand. The market is hot, and the transfer price has risen almost every quarter. The foam is getting larger and larger, far greater than the value -added that it really gains due to economic growth.In this case, various adverse consequences are also more prominent.First of all, the soaring resale price has caused some first -buyers to have anxiety and dissatisfaction.The more the house buying allowance, the more losing the house.
The first evil fruit gave the opposition party a good article, and it was greatly rendered from two perspectives from two angles.But the so -called layman watched the lively, and the insiders looked at the door.It seems that there is a lot of movements, but it is largely the so -called shadow boxing in English.For the first buyers who only want to settle down, it is a pseudo -proposition that can't afford or buy.Because public group housing policies (residents have their own houses) are based on the affordable and bought.It is just a kind of paranoia to buy a house in a mature area.Isn't it all remote new towns today?
Why can't you afford to buy or buy is a pseudo -proposition?Because the government is selling houses at a loss, not selling at cost, but selling at the level of people's income.It strives to achieve the first buyer who is doing power. It only needs to use the provident fund every month to deal with mortgages without having to use the current.Generally speaking, deducting allowances, house prices are about four to five years of total income, so there is no problem that cannot be bought at all.The pre -ordering house is now available for three or four years, so there is no problem that cannot be bought.It is just that the crown disease epidemic has delayed the completion time of some projects in the past few years, which is not normal.
But the government guarantees that people can afford and buy a house within the scope of ability, and they have to pay a larger price, that is, more and more allowances, because the land prices and costs of group houses are soaring.This is difficult to continue.If the HDB is bought at a high price, once a major plague in the economic recession or a crown disease is coming, the real estate market collapses, and it is likely to become negative assets overnight, let alone resale for profit.Objectively speaking, it is impossible for the real estate market to rise or not, the economy cannot continue to grow steadily, and the foam cannot expand infinitely.This may be a problem that needs to be worried, and it is a big problem.
The author is a former journalist, a former member of the Congress
Why can't you afford to buy or buy is a pseudo -proposition?Generally speaking, deducting allowances, house prices are about four to five years of total income, so there is no problem that cannot be bought at all.The pre -ordering house is now available for three or four years, so there is no problem that cannot be bought.
