On November 24, credence of sincere letter of institute of development of nation of Chinese people university and strategic academy, economy and China managed Inc. to issue a very interesting report jointly, the name is -- " analysis of Chinese macroscopical economy and forecast (2018-2019) " .
This report discovery gives a strange appearance: The consumption level 2018 still maintains the level in relative prosperity to go up, but social consumable total volume of retail sales increases fast fall after a rise however. In the backside that consumption glides, be growth of expenditure of dweller consumption sex and income growth is serious deviate from. Since 2017, dweller income growth is added fast with consumption sexual defray is added fast breach is expanding quickly. This that is to say, in the dweller can control income to climb the premise that promote continuously, consumptive sex defray decreases in in successive years however. So, what be those who bring about everybody to earn became much, is consumption little however?
This report also gave out at the same time the answer: Chinese consumer goes in estate in inventory debt rate rises substantially, consumptive foundation got be weakened badly. New round go inventory invests deposit bank savings basically in estate market.
Right, buy a house namely, compatriots likes to buy a house, go up in north especially of vast difficult area in the people that produces above estate, prefer to buy a house. Have a group of such comparative and apparent data: End 2017 end, a total market prise is less than 60 trillion yuan; And GDP is 82 trillion yuan about, estate total market prise already exceeded 400 trillion yuan however...
1
Be covered by house property when fortune prison
Released in November 2018 " monthly of development of Chinese housing market analyses a report " in introduced north to go up wide deep house price median, beijing ranks head of a list of names posted up with five hundred and fifty-eight million seven hundred and fifty thousand yuan, shenzhen is resided second it is five hundred and twenty-one million seven hundred and sixty thousand yuan, shanghai is four hundred and sixty million seven hundred and ninety thousand yuan,
If invest an area to be the 100 houses of smooth rice, total prices is about 6 million. Head pay need 40% , namely 2.4 million, even if is medium the crowd that produces above, also can choose to undertake through prize lever bar house property invests mostly, can borrow money that is to say 3.6 million yuan, if borrowing money 25 years suppose, according to commercial loan the accrual of 4.9% is calculated, need every month reimbursement probably 20836 yuan.
A few more pardonable in produce deep feeling: Not be I do not want to buy buy, however I should return a room to borrow.
To in produce estate for, fortune is covered by house property prison, of the influence is individual consumption ability and standard of living, and to crowd of high net value, perhaps loan does not calculate pressure, but support buys a house " cruel rich " the times has ended, those who be kept constantly on the run choose a sector of an area to see a building dish, and big proportional fund is thrown in house property, not be it is not OK to say, however of fortune use efficiency low, and redound resembles no longer some earlier year so tall, and invest a risk meet greatly increase. Especially the 34 lines city with invest in bigger fluctuation. (toward period review: " the wind of 34 lines city, the person that manage money follows or do not follow? " )
Half an year of Chinese commercial bank signed up for data to show 2018: Bank estate borrows money put in dimensions to still be resided do not fall high, 26 appear on the market in the commercial bank, the prep above of remaining sum of real-estate industry loan that has 19 banks 2017 the corresponding period. 2018 first half of the year, the growth of specified amount of loan of individual of estate of 345 lines city particularly apparent.
Well-known, of drive economy 3 it is the most important to drive carriage is consumption. When savings ratio in successive years glides, "Firm consumption " ambitious to the stability of macroscopical economy and the importance that health develops at " certain investment " . Must take seriously highly at present consumption is added fast gliding immanent cause, consolidate China 300 million in the consumptive base that produces estate.
2
Change a means to invest estate but good
Estate regards a kind of special investment as the category, it has a lot of to distinguish the characteristic at other investment breed. Above all, it is praedial, next, its standardization rate is not high, investment amount is huge, time is particularly long, if still resemble same before, in each cities wide net, buy building buy line of business everywhere, the risk that prospective place bears will bigger and bigger. Use tall lever bar to go with its the house property with prize so giant brushstroke invests, be inferior to have a kind of more clever investment with capital of level of 1 million volumes -- invest fund of an estate mother.
Normally the circumstance falls, investment of foundation of a landed mother gives Home 5-10 major outstanding child fund, through child fund invests to go in outstanding landed project secondhand. The profit that such doing is: Can obtain these not only child the yield of fund, also still can give them dispersedly at the same time. Even if among them occurrence issue of one support fund, also have other child the relatively outstanding investment redound of fund will make up for drop loss.
And change in current policy environment and heat rotate below rapid premise, the profit that has investment with estate mother fund is, the angle heat that also need not be kept constantly on the run again, need not where is cudgel one's brains for forecasts the city with hot the next, need not worry more step forbid rhythm. Have fund of an estate mother, be equivalent to grasping project of many heat real estate to be in hand, and be to pass professional personage concentration to choose, professional orgnaization escorts the Emperor convoy.
As a whole, undertake with the form of estate mother fund estate invests, capital utilization rate is higher, the risk is more dispersive, can win the get one's own back that stabilizes for a long time more, the most important is, do not need to demote through consumption will come true, accomplished with one action to be gotten more truly.
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Content origin is achieved formerly
China of picture origin vision
Author / Deng Wanxin
Editor / fortune gentleman
