The capital city in August housing prices average price of 7196 yuan square meters ranking in Nannin-3edyy


The capital city in August housing prices ranking: average housing prices in Nanning 7196 yuan square meters of contemporary life daily news (reporter correspondent Liao Yanming Tang Chizhen) recently, the real estate market and the "overheating" situation has the nerve of social tensions, last month the amount of price rising, the market almost out of control. China’s housing price platform has announced the ranking of 31 provincial capitals in August (including 4 municipalities directly under the central government), and the average housing price of 11 provincial capitals is more than 10 thousand yuan. The most surprising is that the top 10 times in Beijing and Yinchuan prices reached the bottom, between Beijing and Yinchuan 1 suites, 1 toilets, is synonymous. Data from many aspects of data show that this year, household housing transactions leverage, mortgage repayment burden, developers development loans and corporate debt and debt rates are at a historic high. And all of this has also made the market on leverage today. "Crazy can’t be explained, you can take part in it, but you have to understand that you are ‘gambling’, not investing." Wang Xiaoguang, deputy director of the decision consultation department of National School of Administration, said, "the price of house in the first and second tier cities is" irrational ", and the so called investment property is like" knife edge licking blood ". [gap] Shanghai housing prices in Guangzhou housing prices up half of Beijing topped the residential average price per square meter up to 48847 yuan. Shanghai was followed by an average of 44750 yuan. Nanjing has become a leading city in the second tier cities. The price of housing has increased by 28.95% over the past year, leading Guangzhou to become the third place of the national housing price in Pyramid. At the same time, the increase is also ranked third in the country. Nanjing is now up to 22428 yuan per square meter. It is also the only provincial capital city in the second line of the provincial capital to break the "20 thousand" capital. In recent years, due to regional economic development gap, inventory, land price, real estate business and many other factors, the 123 tier urban real estate market is seriously differentiated, which are all shown by housing prices. At present, the average price of Guangzhou is only half of Beijing and Shanghai, and the gap is more than 2 million yuan. And the gap between the second line cities is more than the imagination, the same is the second line city, the average price in Changchun is 6 thousand yuan + price. In Nanjing, the average price is 20 thousand +, and the latter is more than 3 times the former. But the most surprising is that 31 of the capital city of Beijing and the price list at the top of the Yinchuan, the average price of residential compared gap up to 10 times more than Beijing, the average price is 48847 yuan square meters, Yinchuan average price is 5025 yuan square meters, at present most of Beijing’s 100 square meters of the three bedroom, 5 square meters in the bathroom (some two Wei). It is estimated that Beijing is a bathroom for the price of 250 thousand, while Yinchuan is a house of 50 square meters, valuation in 250 thousand, that is to say, the purchase of a bathroom in Beijing (toilet) price in Yinchuan can easily buy a 50 square meter house. The valuation is only for the average price. Now, Beijing has entered the "luxury" market, and the average price is 100 thousand +, 200 thousand +. To exaggerate, in the new housing market of Beijing, the number of large tile in the house is enough to buy apartments in most provincial capitals such as Yinchuan. [soaring leverage] the high housing market and high leverage of the housing market are distorting the psychology of people who have houses and no houses. One of the leaders of distorting housing prices is leverage financial credit. "China’s leverage rate has grown very fast in recent years, and the proportion of residents’ liabilities to the entire GDP has increased from 17.1% in 2005 to 39.5% in 2015." Chen Sheng, President of China’s real estate data research institute, said the figure was estimated to reach 44% in 2016. And the rise of each round of house prices is accompanied by a continuous increase in the leverage ratio of the residents. The other set of data is more convincing. In August 12th, the monetary and credit data released by the central bank showed that the long-term loans for the household sector (group of individuals) were 477 billion 300 million yuan, accounting for over 100% of all new loans in July, and 463 billion 600 million yuan in July. The statistics of the National Bureau of statistics were more surprising: 1 to July, personal mortgage loans were 13305 billion yuan, up 54.6%. From the perspective of financial institutions, personal housing mortgage loan is still the best resource competing by all banks, which is why the residents are highly leveraged. Wu Hao said WIK anjie. According to the authoritative statistics of the melting 360, the average interest rate of the first suite in the country was 4.54% at the end of the first quarter, and it continued to create a new low. At the beginning of this year, the central bank governor Zhou Xiaochuan has said that the proportion of individual housing loans in total bank loans in China is low, many countries accounted for the proportion of loans for 40%-50%, Chinese in about ten percent, the bank also think of individual housing loans is relatively safe. "This attitude and view, also inspired the market." Researchers in Xingye securities research. However, from another point of view, China’s mortgage repayment rate has increased significantly, and the concern has to be paid attention to. GF Securities Le Jiadong team statistics, at present Chinese mortgage repayment burden rate is 39%, the pressure is relatively large. They expect the repayment rate to be close to 40% for the whole 2016. "For this year’s mortgage loans for home households, if the future income fluctuations, the repayment pressure may be further increased." According to their calculation, the mortgage repayment rate of Chinese residents from 2011 to 2012 is below 20% and up to 28% in 2015. From this point of view, the leverage ratio of residents in 2016 is indeed increasing. Chen Sheng said that China’s housing loan income ratio reached 0.46 at the end of 2015, which has surpassed the level of Japan bubble period, and is still rising rapidly. "If the rate of housing loan growth is maintained between 25% and 30%, it is expected that in 2020, China’s mortgage income ratio will reach the 0.5 level of the United States subprime mortgage crisis." Chen Sheng said anxiously. [deposit potential risk] investment demand catalyzes the potential risk of high house prices in the accumulation of goods that are not going to rise and fall. No matter from the evaluation index of housing price, income ratio and rent to sale ratio, or from the perspective of supply and demand relationship, there is an undisputed fact that housing prices in the first and second tier cities are all high. Many economists said that according to the international common saying, the ratio of housing price to income is 3-6 times between the housing price and the annual income of urban households, which is a reasonable interval. Obviously, the first and second tier cities in China have deviated from this area. A material from the official website of the National Bureau of statistics shows that in 2006, the average housing price ratio of China was 6.7. It still belongs to the acceptable range, which is also close to the international average level. But according to the Shanghai E-House Real Estate Institute released the day before the "national 35 large and medium-sized city housing price income ratio list" shows that in 2015, excluding the sale of the type of affordable housing, the national 35 large and medium-sized city real income than the average is 10.2. The number of cities in Shenzhen, Shanghai and Beijing is higher. Shenzhen is 27.7, Shanghai is 20.8, Beijing is 18.1, Xiamen, 16.6, Fuzhou and 14.7 are also catching up. In contrast, New York’s housing price earnings ratio is around 8, Tokyo is around 10, London is around 12, and Seoul is around 7.7, although the housing prices of these cities are not cheaper than those of the first tier cities in China, but their housing price earnings ratio is much lower than that of China. From the analysis of supply and demand, it is difficult to find a reasonable explanation for the high price of the house. "At present, the most important thing in China is the house." Wang Xiaoguang pointed out in a needle. Some economists also say that the current three or four line cities’ inventory pressure is in sight. The supply and demand of the first and second tier cities are not as intense as they imagined, but more investment needs. At present, what is the leverage ratio of the property market? If it is the first set, the first payment is 20%, the lever rate is 1:5. Therefore, if the market is adjusted, some people and projects with high leverage ratio will be affected by the brunt. (China comprehensive economic net, "Shanghai Securities News", Chinese platform market prices etc.) reports: "Nanning: July housing prices rose 7.1% to maintain a stable level of" Nanning two "plot to shoot nearly 20 million 50 million million yuan prices like lake will enter the era" "biography of Nanning city housing bubble ranked the top ten list challenged by the industry" 省会城市8月住宅房价排行:南宁平均房价7196元 ㎡   当代生活报讯(记者 廖艳明 通讯员 唐持真)近来,房地产“过热”形势令市场与社会的神经越发紧张,持续多月的量价攀高,市场几近失控。中国房价行情平台近日公布了8月31个省会城市(含4个直辖市)的住宅房价排行情况,11个省会城市住宅均价超过1万元。最令人惊诧的是,榜首北京与榜尾银川的房价差达10倍之多,北京1间厕所与银川1套房之间,被画上了等号。 资料图   来自多方面的数据显示,今年以来,家庭住房交易杠杆率、按揭贷款还款负担率、开发商开发贷和公司债及负债率都处于历史高位。而这一切也成就了当今杠杆上的楼市。   “疯狂是无法解释的,你可以参与其中,但必须明白你是在‘赌博’,而不是在投资。”国家行政学院决策咨询部副主任王小广直言:“当下一、二线城市房价是‘非理性’上涨,所谓‘投资房产’犹如‘刀口舔血’。”   [房价差距大] 广州房价 赶不上京沪一半   北京拔得头筹,住宅每平方米均价高达48847元。上海紧随其后,均价为44750元。南京做为二线城市“涨不停”的领军城市,房价以同比上涨28.95%的大幅比例,领先广州成为全国房价金字塔的季军,同时涨幅也是排在全国第三。南京目前每平米高达22428元。也是二线省会城市中唯一均价破“2万”的省会城市,涨价势头之猛令人咋舌。   近年来,由于地区经济发展差距、库存、地价、地产商等多方面因素,一二三线城市房地产市场分化严重,这些都被房价完全展现了出来。同为一线城市,目前广州的均价却只是北京、上海的一半,差距之大有2万余元。而二线城市之间差距之大更超乎想象,同为二线城市,长春均价在6千元+的价位。而南京则是均价2万+,后者为前者的3倍多。   而最令人惊诧的是,31省会城市房价榜首的北京和榜末的银川,住宅均价对比,差距竟达10倍之多,北京的均价是48847元 ㎡,银川的均价是5025元 ㎡,目前北京大部分的100平米的三居室,卫生间都在5平米左右(有的为两卫)。   那么根据估算,北京一间卫生间的价格为25万,而银川一套50平方米的房子,估价也在25万,也就是说,目前在北京购买一间卫生间(厕所)的价钱,在银川能轻松购买一套50平米的房子。   而此番估价,仅是就均价而言的,目前早已迈入“豪宅化”市场的北京,均价在10万+、20万+的新建住宅并不在少数。夸张的说,在北京新房住宅市场上,房子里数块大瓷砖占地面积大小的售价,也足够在银川等大多数省会城市买套房子了。   [杠杆率猛增] 楼市高烧不断 杠杆成推手   高高的房价,正扭曲着有房和无房人的心理,而扭曲房价的集大成者之一正是杠杆——金融信贷。   “中国的居民杠杆率近年来增长非常快,居民的负债占整个GDP的比重已从2005年的17.1%猛增到2015年的39.5%。” 中国房地产数据研究院院长陈晟表示,2016年这个数字估计会达到44%。而每一轮房价的上涨,都伴随着居民杠杆率持续提升。   另一组数据更有说服力。8月12日央行公布的货币信贷数据显示,住户部门(指个人群体)的中长期新增贷款4773亿元,占7月全部新增贷款比例超过100%(7月人民币新增贷款4636亿元)。国家统计局的数据更令人吃惊:1至7月份个人按揭贷款13305亿元,增长54.6%。   “从金融机构的角度来看,目前个人住房按揭贷款仍是各个银行争夺的优质资源,这也就是居民大加杠杆的原因。”伟嘉安捷吴昊说。根据融360的权威统计数据,一季度末,全国首套房平均利率为4.54%,继续创历史新低。   今年年初,央行行长周小川曾表示,我国个人住房贷款在银行总贷款中的比重偏低,很多国家占总贷款比例为40%-50%,中国大概在百分之十几左右,银行也觉得个人住房贷款相对比较安全。“这一态度和看法,也令市场鼓舞。”兴业证券研究员这样分析。   然而,从另一个角度来看,中国按揭贷款还款负担率明显上升,其中的隐忧不得不令人关注。   广发证券乐加栋团队统计,目前中国按揭贷款还款负担率为39%,压力相对较大。他们预计,整个2016年还款负担率将接近40%。“对于今年按揭贷款购房的居民家庭而言,若未来收入出现波动,还款压力可能进一步加大。”   根据他们的测算,2011年—2012年中国居民按揭还款负担率在20%以下,2015年升至28%。由此来看,2016年居民购房的杠杆率确确实实在猛增。   陈晟表示,中国在2015年底的居民房贷收入比高达0.46,已经超过日本泡沫时期的水平,而且目前仍在飞速上升。“如果房贷增速维持在25%到30%,预计到2020年,中国的房贷收入比会达到美国次贷危机时期的0.5水平。”陈晟不无忧虑地说。   [存潜在风险] 投资需求催化高房价 潜在风险在积累   天下没有只涨不跌的商品。无论是从房价收入比、租售比等评价指标来看,还是从供需关系的角度来看,目前一、二线城市的房价均存在虚高的状况是不争的事实。   多位经济学家表示,按照国际上比较通行的说法,房价收入比(指住房价格与城市居民家庭年收入之比)在3-6倍之间为合理区间,显然中国一、二线城市已经偏离了这个区间。   国家统计局官网的一份材料显示,2006年,我国平均房价收入比为6.7,仍属于可接受范围,与国际平均水平也较接近。   但据上海易居房地产研究院日前发布的《全国35个大中城市房价收入比排行榜》显示,2015年,剔除可售型保障性住房后,全国35个大中城市房价收入比均值为10.2。   深圳、上海和北京等一线城市的这一数值则更高,深圳为27.7,上海为20.8,北京为18.1,而厦门(16.6)、福州(14.7)、杭州(11.3)等东部二线城市也在赶超。相比之下,纽约的房价收入比在8左右,东京在10左右,伦敦在12左右,首尔在7.7左右,虽然这些城市的房价不比国内一线城市便宜,但其房价收入比要远低于中国。   从供求关系来分析,高房价也很难找到合理的解释。“目前中国最不缺的就是房子。”王小广一针见血地指出。一些经济学家也表示,目前三、四线城市去库存压力是摆在眼前的,而一、二线城市的供需也没有想象中的那么紧张,更多的是投资需求。   目前,楼市的杠杆率是多少呢?如果是首套,首付20%,杠杆率是1:5。因此,如果市场调整,一些杠杆率较高的人群、项目等,将首当其冲受到波及。   (综合中国经济网、《上海证券报》、中国房价行情平台等)   相关报道:   《南宁:7月商品房价格同比上涨7.1% 维持稳定水平》   《南宁两地块拍出近20亿 五象湖房价将步入万元时代》   《传南宁市房价泡沫排全国前十 榜单受到业界质疑》相关的主题文章: