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顾雷:今天砸百万当房奴,明天能变千万富翁?

来源: 南方日报网络版     时间: 2019年05月22日 14:27:42
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绵阳开机械设备发票██【电\微 15813★310971 李先生】【Q; 25880★8054】 ██▓信誉100%,专业100%,选择我们长期合作共赢!公司经百度推广!顾雷:今天砸百万当房奴,明天能变千万富翁?

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(  宏)(观)(大)(势)(  未)(来)(15年)(中)(国)(房)(地)(产)(市)(场)(必)(须)(消)(化)(房)(地)(产)(存)(量)(,发)(生)(政)(策)(调)(整)(或)(者)(银)(行)(利)(率)(变)(化)(应)(该)(是)(必)(然)(之)(势)(,房)(地)(产)(市)(场)(周)(期)(性)(调)(整)(也)(是)(必)(然)(之)(举)(,房)(价)(下)(跌)(也)(就)(在)(所)(难)(免)(。  我)(有)(一)(位)(朋)(友)(,经)(受)(不)(住)(房)(地)(产)(商)(诱)(惑)(,把)(自)(己)(辛)(辛)(苦)(苦)(积)(攒)(的)(400万)(嫁)(妆)(钱)(购)(买)(了)(一)(套)(期)(房)((15年)(按)(揭)()。她)(的)(观)(点)(很)(简)(单)(:理)(财)(产)(品)(已)(经)(到)(期)(,当)(下)(除)(了)(房)(地)(产)(没)(有)(更)(好)(的)(投)(资)(产)(品)(。与)(其)(将)(钱)(存)(入)(银)(行)(,不)(如)(投)(入)(房)(地)(产)(,好)(比)(投)(了)(固)(化)(的)(理)(财)(产)(品)(。400万)(的)(房)(产)(,15年)(后)(值)(多)(少)(钱)(呢)(?400(1+6%)*151147万)(。所)(以)(,今)(天)(的)(她)(更)(愿)(意)(成)(了)(房)(奴)(者)(,未)(来)(就)(会)(是)(千)(万)(富)(婆)(。  据)(说)(,这)(些)(观)(点)(在)(当)(下)(中)(国)(颇)(有)(“群)(众)(基)(础)(”。只)(要)(看)(今)(年)(4月)(份)(居)(民)(中)(长)(期)(贷)(款)(占)(整)(个)(贷)(款)(80%以)(上)(,就)(知)(道)(目)(前)(国)(内)(不)(少)(居)(民)(都)(热)(衷)(于)(购)(买)(房)(产)(,先)(是)(北)(京)(、上)(海)(和)(深)(圳)(,然)(后)(扩)(展)(到)(杭)(州)(、苏)(州)(、南)(京)(和)(合)(肥)(等)(地)(,甚)(至)(发)(明)(出)(“首)(付)(贷)(”,集)(体)(沉)(浸)(在)(“今)(天)(的)(百)(万)(房)(奴)(,明)(天)(的)(千)(万)(富)(翁)(”的)(美)(梦)(之)(中)(。  真)(的)(会)(是)(如)(其)(所)(愿)(?真)(会)(因)(为)(手)(里)(的)(一)(套)(房)(而)(成)(为)(“千)(万)(富)(翁)(”?  首)(先)(,这)(种)(结)(论)(是)(建)(立)(在)(住)(房)(按)(揭)(贷)(款)(利)(率)(永)(远)(在)(目)(前)(最)(低)(点)(,且)(宽)(松)(的)(国)(内)(货)(币)(政)(策)(保)(持)(不)(变)(的)(基)(础)(上)(。事)(实)(上)(,上)(个)(世)(纪)(最)(后)(20年)(,全)(球)(主)(要)(发)(达)(国)(家)(平)(均)(利)(率)(在)(10%,中)(国)(平)(均)(利)(率)(仅)(在)(8%左)(右)(,因)(此)(,未)(来)(15年)(内)(这)(种)(低)(利)(率)(改)(变)(的)(可)(能)(性)(就)(很)(大)(。如)(果)(利)(率)(上)(升)(,购)(买)(住)(房)(贷)(款)(都)(可)(能)(还)(不)(起)(,哪)(里)(还)(有)(“千)(万)(富)(翁)(”可)(言)(?加)(之)(中)(国)(宽)(松)(货)(币)(政)(策)(说)(变)(就)(变)(,不)(要)(说)(15年)(,就)(是)(今)(年)(4月)(份)(与)(前)(三)(个)(月)(情)(况)(比)(较)(都)(有)(较)(大)(的)(变)(化)(。货)(币)(政)(策)(一)(旦)(收)(紧)(,没)(有)(接)(盘)(者)(进)(入)(,房)(价)(还)(会)(涨)(上)(去)(吗)(?  其)(次)(,前)(10年)(之)(所)(以)(把)(房)(价)(炒)(作)(得)(越)(来)(越)(高)(,核)(心)(问)(题)(就)(是)(把)(住)(房)(的)(属)(性)(混)(淆)(了)(,导)(致)(住)(房)(市)(场)(远)(离)(它)(的)(居)(住)(属)(性)(而)(成)(为)(少)(数)(投)(机)(商)(炒)(作)(赚)(钱)(的)(工)(具)(。为)(此)(,政)(府)(5月)(9日)(第)(一)(次)(明)(确)(承)(认)(当)(前)(房)(地)(产)(市)(场)(存)(在)(泡)(沫)(,强)(调)(国)(内)(房)(地)(产)(市)(场)(必)(须)(回)(归)(其)(基)(本)(居)(住)(功)(能)(,对)(通)(过)(信)(贷)(及)(税)(收)(杠)(杆)(让)(一)(些)(城)(市)(巨)(大)(的)(房)(地)(产)(泡)(沫)(挤)(干)(净)(,并)(开)(始)(处)(罚)(用)(金)(融)(杠)(杆)(炒)(作)(房)(价)(的)(投)(机)(行)(为)(。如)(果)(住)(房)(是)(给)(人)(居)(住)(而)(不)(是)(炒)(作)(赚)(钱)(的)(,投)(机)(行)(为)(就)(会)(戛)(然)(而)(止)(,房)(价)(必)(然)(大)(跌)(,15年)(后)(的)(投)(资)(价)(值)(从)(何)(而)(来)(?今)(天)(的)(房)(奴)(又)(如)(何)(成)(为)(明)(天)(的)(“千)(万)(富)(翁)(”?由)(此)(,目)(前)(抢)(购)(房)(地)(产)(投)(机)(客)(可)(能)(是)(接)(最)(后)(一)(棒)(者)(,不)(要)(说)(抢)(到)(的)(是)(期)(房)(,即)(使)(是)(现)(房)(,都)(有)(可)(能)(把)(购)(买)(的)(房)(产)(砸)(到)(自)(己)(手)(里)(。  再)(者)(,本)(轮)(房)(价)(快)(速)(飙)(升)(,很)(大)(程)(度)(上)(取)(决)(于)(资)(金)(杠)(杆)(的)(过)(度)(推)(高)(。大)(多)(数)(居)(民)(千)(方)(百)(计)(地)(涌)(入)(房)(地)(产)(市)(场)(,他)(们)(并)(不)(在)(乎)(自)(己)(手)(上)(有)(没)(有)(充)(足)(的)(现)(钱)(,因)(为)(各)(种)(各)(样)(的)(融)(资)(方)(式)(都)(等)(着)(他)(们)(,资)(金)(杠)(杆)(效)(应)(激)(发)(起)(城)(市)(居)(民)(的)(购)(房)(欲)(望)(。可)(是)(,不)(要)(忘)(记)(去)(年)(配)(资)(撤)(离)(股)(市)(后)(广)(大)(股)(民)(的)(割)(肉)(之)(痛)(。过)(去)(的)(两)(年)(里)(,股)(票)(市)(场)(正)(是)(经)(历)(了)(场)(外)(配)(资)(的)(高)(杠)(杆)(“狂)(欢)(”后)(,股)(市)(发)(生)(了)(翻)(天)(覆)(地)(的)(变)(化)(,从)(6247点)(猛)(跌)(至)(1619点)(。而)(本)(轮)(房)(地)(产)(市)(场)(狂)(欢)(最)(大)(赢)(家)(依)(然)(是)(地)(方)(政)(府)(、房)(地)(产)(开)(发)(商)(和)(房)(地)(产)(中)(介)(机)(构)(,背)(后)(的)(资)(金)(推)(手)(依)(然)(是)(金)(融)(杠)(杆)(效)(应)(,可)(谁)(能)(保)(证)(市)(场)(不)(会)(发)(生)(天)(翻)(地)(覆)(的)(变)(化)(呢)(?  再)(说)(,近)(年)(来)(房)(地)(产)(之)(所)(以)(大)(涨)(不)(跌)(,很)(大)(程)(度)(上)(是)(因)(为)(地)(方)(政)(府)(更)(愿)(意)(通)(过)(房)(地)(产)(市)(场)(价)(格)(上)(涨)(保)(住)(地)(方)(经)(济)(上)(行)(趋)(势)(,以)(至)(于)(近)(几)(年)(银)(行)(业)(的)(绝)(大)(多)(数)(贷)(款)(流)(入)(房)(地)(产)(市)(场)(。在)(这)(种)(情)(况)(下)(,如)(果)(房)(地)(产)(市)(场)(一)(直)(繁)(荣)(,且)(不)(进)(行)(周)(期)(性)(调)(整)(,银)(行)(业)(与)(房)(地)(产)(有)(关)(的)(贷)(款)(永)(远)(是)(优)(质)(资)(产)(,房)(价)(只)(涨)(不)(跌)(,问)(题)(不)(会)(暴)(露)(出)(来)(。但)(是)(,今)(天)(的)(地)(方)(政)(府)(已)(经)(不)(可)(能)(再)(像)(10年)(前)(那)(样)(,以)(房)(地)(产)(投)(资)(为)(主)(要)(手)(段)(拉)(动)(经)(济)(了)(。也)(就)(是)(说)(,未)(来)(15年)(中)(国)(房)(地)(产)(市)(场)(必)(须)(消)(化)(房)(地)(产)(存)(量)(,发)(生)(政)(策)(调)(整)(或)(者)(银)(行)(利)(率)(变)(化)(应)(该)(是)(必)(然)(之)(势)(,房)(地)(产)(市)(场)(周)(期)(性)(调)(整)(也)(是)(必)(然)(之)(举)(,房)(价)(下)(跌)(也)(就)(在)(所)(难)(免)(。到)(那)(时)(,一)(旦)(资)(金)(链)(断)(裂)(,银)(行)(出)(现)(巨)(量)(不)(良)(资)(产)(,必)(定)(把)(炒)(房)(者)(的)(期)(望)(变)(成)(梦)(想)(破)(灭)(。虽)(然)(这)(是)(任)(何)(人)(都)(不)(愿)(意)(看)(到)(的)(,但)(也)(不)(是)(任)(何)(人)(能)(够)(轻)(易)(改)(变)(的)(。  顾)(雷)((中)(国)(人)(民)(大)(学)(金)(融)(与)(证)(券)(研)(究)(所)(教)(授)())!

作者:【龙虎和代理】


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