How much does a house cost? ——Analysis of the latest housing prices and hot topics in 2024
Recently, the real estate market has once again become the focus of national attention. Whether it is policy adjustments, regional housing price fluctuations, or changes in home buyers' mentality, it has triggered widespread discussion. This article will combine the hot topics of the entire network for the past 10 days to present current housing price data and trend analysis for you in a structured manner.
1. Latest data on housing prices in key cities across the country
| City | Average price of new houses (yuan/㎡) | Changes month-on-month | Average price of second-hand houses (yuan/㎡) |
|---|---|---|---|
| Beijing | 62,800 | +0.3% | 58,400 |
| Shanghai | 60,500 | +0.5% | 56,200 |
| Shenzhen | 54,300 | -0.2% | 51,700 |
| Guangzhou | 38,600 | +0.8% | 35,900 |
| Hangzhou | 32,400 | +1.2% | 30,100 |
2. Recent hot topics of real estate
1.The policy of "recognizing houses but not loans" is fully implemented: Many cities have adjusted the recognition standards for first-home homes, lowered the threshold for buying a house, and stimulated the release of improved demand.
2.The interest rate of existing mortgages has been lowered: State-owned banks announced the cut of the interest rate for the first-home mortgage in stock, which is expected to benefit 40 million households, with a monthly payment of up to 1,000 yuan.
3.The construction of affordable housing is accelerating: 14 cities have piloted the dual-track system of "profitable housing + commercial housing", and plans to build 1.2 million affordable rental housing units within the year.
4.School district housing prices are loose: With the advancement of educational balance policy, the prices of traditional school district housing in Xicheng, Beijing and Jing'an in Shanghai have fallen by 5-8%.
3. Detailed analysis of the cost of buying a house (taking 100㎡ new house as an example)
| Fees items | First-tier cities | Second-tier cities | Third-tier cities |
|---|---|---|---|
| Total house price | 5.5-6.5 million | 2 million to 3.5 million | 800,000-1.5 million |
| Down payment (30%) | 1.65-1.95 million | 600,000-105,000 | 240,000-450,000 |
| Deed tax (1-3%) | 55,000-195,000 | 20,000-105,000 | 8,000-45,000 |
| Renovation costs | 200,000-500,000 | 150,000-300,000 | 80,000-200,000 |
| Monthly payment (30 years) | 18,000-23,000 | 7,000-13,000 | 30,000-06,000 |
4. Expert opinions and trend forecasts
1.Short-term trend: During the traditional peak season of Golden September and October, developers have increased their promotion efforts, and some cities may experience the phenomenon of "price for volume".
2.Medium- and long-term trends: There is still room for improvement in urbanization rate, and high-quality real estate in core cities still has the ability to preserve value, but the era of general increase has ended.
3.Home purchase advice: For urgent needs groups, you can pay attention to the developers’ impact nodes at the end of the year. It is recommended to give priority to locations and supporting facilities for improvement demand.
5. Reference for housing purchase plans for different budgets
| Budget scope | Optional city | Area suggestions | House buying strategy |
|---|---|---|---|
| Less than 500,000 | Third- and fourth-tier cities | 70-90㎡ | Pay attention to the planning of the new urban area |
| 500,000-1 million | Strong second-tier suburbs | 80-100㎡ | Choose a subway extension line |
| 1-3 million | New first-tier cities | 100-120㎡ | Focus on the industrial cluster area |
| More than 3 million | First-tier cities | 90-150㎡ | Scarce resources in core areas |
Conclusion: The housing price problem affects the nerves of hundreds of millions of families. In the current market environment, it is recommended that home buyers rationally analyze their own needs, comprehensively consider loan repayment capabilities, housing needs and development expectations, and avoid blindly following the trend. The continuous optimization of policies will inject more stability into the market and make the dream of "living for a place to live" easier to realize.
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