Lawyers say speculative speculation raises prices four ways for people to buy homes

Xinhua Beijing, December 21, the State Council issued a clear curb the rapid rise in housing prices signal, the media have commented on it and speculated on the specific policies to be introduced. In this respect, China's leading real estate lawyer Chen Haiyang, said in an interview with the Chinese real Estate network, the current Chinese property market is the core disease is speculative speculation room to raise prices, so that most people can't afford to buy a house. To eradicate the ills of China's real estate market, we should start with four aspects: the first is to adjust the ratio of the first mortgage payment. For the first mortgage buyers, you can lower down payment to 10%, this can reduce the real purchase of home buyers of the threshold, and the banks do not have to worry about their repayment integrity, and for the home mortgage loans have not yet completed the purchase, it should be the down payment to 60% or even 80%, which will directly improve the entry threshold of the house. Through the adjustment of the down payment ratio, can really curb speculative speculation house behavior, at the same time let the real buy home people have the ability to buy through the bank loans to the house, the second is to cancel the sale of housing pre-sale system. From the 10-year history of China's real estate market, the pre-sale system of commercial housing, in the early development of the real estate market, has played a big role in the rapid growth of the developer group.　　For example, in the 2000, China's real estate developers are generally weak, the assets of billions of developers can be called real estate predators, after 10 years of growth, assets of tens of billions of property companies everywhere. But now, this system can only help developers to quickly withdraw funds, the buyers do not have substantial help. On the contrary, almost 80% of commercial housing transactions fraud and disputes, are related to selling faster.　　And speculation room number, internal subscription, etc. originated from the derivative of the sale of the house, it is now the most rapid property speculation, the most easy to generate profiteering means. Chen Haiyang lawyer thought, as long as the above two measures are introduced, investment speculators will immediately withdraw from the property market, the former sales office queue snapped false scene will no longer exist. And developers in order to rob a few real buy home from the source, will take the initiative to reduce the price to a fair level.　　That will enter a real real estate buyer's market, developers hoarding land, hoarding the phenomenon will no longer exist. Third, in the long run, we must reconstruct a fair social wealth distribution system and improve the income level of the general public. The Academy had a report that 85% of people could not afford to buy a house, the scientific nature of the data and the correctness of the debate, but the report said a basic fact that the vast majority of people can't afford to buy a house. Only the general public's income has improved, in order to improve the real sense of their ability to buy a house. The rationale is simple and requires no concrete justification.　　At present, the real estate market, the people have become the looting of poverty and wealth, aggravating the inequitable distribution of society's huge gold-sucking field. Four, we need to continue to speed up the transformation of China's urban and rural dual economic format. Urban and rural economic duality, not only in the household registration system to the shackles of the people, but also manifested in the urban and rural real estate can not be mutually circulated. This institutional fragmentation not only forms the urban and rural landAnd the huge drop in property prices, but also for local governments, the privileged class, the background of the developers to plunder the people's land, predatory profiteering to provide the soil. At the same time, because the urban and rural housing system fragmented, resulting in farmers in the city to bear high costs, and urban residents want to flee the city to buy rural low-cost housing is not available, which in the system has pushed up prices. If the urban and rural housing can be free circulation, urban and rural housing prices will be a huge gap between the big "leveling". This will also be a great impact on the current unfair high housing prices.