Recently often see Beijing housing prices down the news, the drop in the housing prices around Beijing is more obvious, but when it comes to buying a house, friends will basically still shake their heads: although the housing prices down, but a square meter within the five rings are still more than 60,000.
Talking about the house with friends, we can not help sighing, “I wish I had…”
In 2005, with the money to buy a house home to build a villa
In 2002, I came to Beijing to go to university.
When I was a student, the housing price in Beijing was relatively stable. At that time, one of our teachers bought a suite in the West third Ring Road, 8000 yuan per square meter, the news spread quickly among the students, everyone felt that the teacher really rich, a set down more than 1 million yuan, we can hardly afford to live in this life. At that time, the house in my hometown cost less than 1,000 yuan per square meter.
In the summer of 2005, one of my classmates and I were strolling in a hutong near Minda University. I found a relatively shabby alley, built a building like a seven-day hotel, lonely, next to a sign for a sales office.
We go in to inquire, it is a small family that builds newly originally, be located in 3 annulus inside, periphery educates resource very good, the price at that time is 7000 multivariate 1 square metre. My classmate is a little tempted, 40 flat one-bedroom, less than 300 thousand can be bought, his family is a business, income has been good, there is no problem to take out 300 thousand.
After some thought, the classmate called his father to discuss the matter of buying a house, his father listened to the refused, “our home is not only you one, besides, the hometown is preparing to build a villa, a four-story small building, your brothers three a person, we old couple a floor. Our family to build a villa, the rest of the money can do business, business made money, then give you buy a house in Beijing is not too late.
In this way, the students to buy a house plan shelved.
After graduation in 2006, he rented a house in Beijing, and the rent in the city was quite expensive. First, he rented a house in Tongzhou, and then in Huilongguan. It took him more than an hour to go to work.
In October 2016, after the reunion of my college classmates for their 10th anniversary, this student and I wandered back to the place where we used to see the house. We asked the agent, and the house price there had risen to 10 square meters.
I teased him, “Now your business is booming. Invest in an apartment in Beijing and try to come back.”
The classmate smiled sadly, “I still honestly live the villa of hometown.”
In 2006, he chose to buy a car and rent a house
In 2006, I graduated from college and started working. East elder brother is my leader, report for duty the second day, I follow him to run a business.
In the morning by bus to the designated place, he quickly drove a new Santana 3000 came over, I went in, east brother conveniently threw me a box of cigarettes, let me see the customer to worship cigarettes.
Dongge told me that he had been in this unit for more than three years and bought a car to facilitate business. I asked him, did he buy a house too? He said, “Don’t worry, save some money first. Although the money is enough for a down payment near the fourth ring Road, it is too far from the city. Save some more money and then go to the third ring Road to buy. Besides, the rent is not expensive now, and the house price hasn’t changed much. Wait.
Dongge lives in a community outside the South fourth Ring Road. He rents a house with two bedrooms and a living room for more than 600 yuan a month. The house sells for 1,800 yuan per square meter.
At that time, the housing price in Beijing was relatively stable, and everyone’s consistent thinking was: rent a house first, save some money, pay off all at once, borrow money to buy a house need to pay a lot of interest. As a result, few were willing to take the risk of investing in a house, even when many properties offered zero down payment.
But man is not as good as god, Dongge’s business did not rise as he expected, and his management job was taken away by another colleague. He began to eat his old book and put the matter of buying a house on hold.
Later, east elder brother leaves his post to go to a foreign company to do middle-level, annual income hundreds of thousands of, but because be to sit an office, salary is fixed, need to keep a car not only, still have an old and young all want to depend on him to live, add rent also rose gradually, he missed the opportunity that buys a house again.
In 2012, when I had some savings, I went to see the house again and found that the housing price in the place where I rented for the first time had risen to more than 20,000 yuan. And to buy a house to see the account, no account on the insurance. East elder brother has not got Beijing registered permanent residence, after arriving foreign company just began to pay endowment insurance in Beijing, social security still needs a few months, still cannot buy.
By the time it was possible to buy a home, Beijing had undergone several “great leaps forward” in housing prices. After running for a month in a row, Dongge finally gritted his teeth and bought a small two-bedroom apartment in the South fourth Ring Road. He made a down payment and borrowed 1 million yuan from the bank.
When I moved in, Dongge sighed, I should not have bought a car in the first place. If I had bought a house with this money, Now I could have bought a well-deserved Land Rover with hundreds of thousands left.
Nevertheless, sit together recently, when mentioning a house again, east elder brother Lamentations again rise, fortunately bought this set small two lives.
In 2008, he mortgaged his house to invest in stocks
As the unit needs to do a lot of publicity copy, so slowly fixed a supplier. The supplier’s boss, surnamed Xu, is more than 30 years old. He is in a good mood all day and is not in a hurry for the payment.
But after the Spring Festival in 2008, Boss Xu’s working style changed. He did not smile much. The key is that after finishing the work, he would urge us to pay as soon as possible, not even two or three days late.
One day I stopped him and asked him what the problem was. Mr. Xu let out a sigh.
It turned out that in the winter of 2007, a friend introduced him to a billboard business on both sides of the highway, the investment was relatively large, in order to solve the capital problem, he mortgaging his house to the bank, borrowed more than 600 thousand money, want to take this money to expand the business.
At this time, the stock market unexpectedly fire up, entered the era of the public stock speculation, not only white-collar workers speculation, many students also speculation. Xu started investing in the stock market in 2007. At first, it was just for fun. Later, he found that it was too easy to make money in the stock market.
That winter, Xu boss at a draught more than 600,000 loans all invested in the stock market, but also how to manage the business. At first, the stock did rise sharply, but after March 2008, the market was no longer booming, and Xu watched as the stock dropped from 800,000 to 600,000 and then stayed at 200,000.
Although the stock market recovered for a short time later, Xu could not bear to lose his meat, thinking that the stock market would rise sharply after the Olympics. As a result, the stock market collapsed again, leaving only a few hundred thousand. At this time to redeem the mortgage to the bank’s house, has been unable to return to the day.
In the stock market see no hope, Xu boss once again shouldered the camera, driving a car to do public relations unit by unit, but in his eyes, can not find the original kind of easy.
When I saw Boss Xu again last year, he looked gaunt in his late 40s.
‘There shouldn’t have been so much of a gambler mentality,’ he says. The stock suffered a “frozen age”, but the house price has become a wild horse, all the way around surging, leading to his now become a “once had a house” family.
In 2009, house prices doubled in half a year
In 2009, I had worked for two years, paid off more than 10,000 yuan in student loans and had some money to spare, so In July I got on my bike and took a long tour of the apartment.
At first, I looked at a small community located outside the third ring road in southwest China. The community was not built for a long time, and the housing price was not expensive either. It was about 11 thousand square meters, and a two-bedroom house cost about 1 million yuan. But at that time, many problems were found out about the houses in this community: at the corner of the ring road, the traffic was not convenient; The house is of poor quality; Bad greening in the community…
Later, I looked at several new buildings, between the south Third ring road and the fourth Ring Road, 1.7 or so. Go to the sales office to ask, sales lady said: “now the price is at a relatively low level, but the price will soon rise. Now the two apartments are priced at 2 million yuan at full price, only 20% of the down payment is needed, 400,000 yuan is enough, and then you can pay the monthly payment slowly. After you decorate it and rent it out, you can still pay the monthly payment.”
I talked it over with my friends and they all said, this is the marketing method of the business, to create tension for you, the economic crisis has not been fully resolved, maybe the price will go down, wait and see.
After looking around for a long time, in the autumn, I once again shared the experience with my friends. We all felt that we were from the countryside, and we had spent most of our family’s savings on going to school. If we had to rely on our family for the down payment, we would have to borrow from the east to the west. Plus at that time the rent can also, two thousand yuan can rent a good two-bedroom, two people share, it is not difficult. So I decided to wait.
But in the winter, especially around the time of the Spring Festival, the salesgirl’s warning gradually became a reality. This time not only the opening of a new house will be looted empty, second-hand house prices are also straight up. By the start of the spring, house prices had roughly doubled since I started looking, while my income remained the same.
I remember once, I once watched a program similar to “looking for a million houses in the second Ring road” on a CERTAIN TV station. In several old and small districts, I could still find such houses. By 2017, no house within the second ring road, not to mention around the fifth ring Road, can be found within a million.
Later, when I looked at the house, It was more of a spectacle. Not only are housing prices rising, but rents are also soaring, with a slightly nicer two-bedroom near the third Ring Road costing 7,000 or 8,000 a month.
Think of the many opportunities when he saw the house, but also can not help but sigh: if gnash one’s teeth to borrow money at home, it is not likely to rent than at that time to buy a house monthly payments are high.
Afterword.
A few days ago, I chatted with some friends who stayed in Beijing after graduation from university. Half of them have bought a house, and when they bought a house, it was not quite understood, because they all bought outside the fifth Ring Road, poor matching, far away.
But now they seem to have made a wise choice: they bought a house in Tongzhou, which is now a typical city center; Bought Fangshan Changyang, now go to the south fourth Ring to work, more convenient than living in the city; Even buying a house in Yanjiao more than doubled the price.
And those of us who still insist on renting apartments live in the city, a single room, the monthly rent is also three or four thousand yuan, to live more comfortable, all their wages will be handed to the landlord.
Buying a house has really become a dream.
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