Yes, today we are going to calculate with you is a house account, we calculate the result is that you in Beijing a down payment on a sixth ring apartment, you can buy two villas in the United States!
Things have to start from last Friday in Beijing "317" additional regulation and control of the property market policy. "New Deal" provisions: two sets of residential, non-residential down payment increased to 60%, 80%; Suspend the issuance of mortgage loans for more than 25 years; However, "317" after the New Deal, the purchase of two housing, most of the down payment is actually 80%. Although the policy gives 60 percent down payment, 80 percent down payment for ordinary homes and non-ordinary homes. However, according to the current standard for the identification of ordinary housing, a large proportion of Beijing's housing, are classified as "non-ordinary housing". In other words, if you want to make an investment property in Beijing, you have to prepare an 80% down payment.
What are the standards of the average house?
First, the area is less than 144 square meters;
Second, the floor area ratio is above 1.0;
Third, the actual transaction price shall, in principle, be less than 1.2 times of the average transaction unit price or the total price of the housing in the region.
If you don't meet any of these criteria, it's a non-ordinary house. As far as 1.2 times this condition is concerned, I am afraid that a considerable proportion of the housing in Beijing will not be ordinary housing, but applies to the terms of 80% down payment.
At the same time, the New Deal is the way to recognize housing and loans, divorce to buy a house loophole, has been 317 New Deal blocked. The possibility of qualifying for a first home on divorce is gone.
According to the New Deal given 80% down payment standard is actually the same as full payment, after all, we are not the 20%. Through the data agency monitoring the average price of new ordinary residential units in February in Beijing, we will calculate an account. Among them, the red area is the one with the fastest value increase and the most active rent and sale, and Haidian District is the one with the best school district atmosphere. If it is convenient for children to go to school and buy a three-bedroom school district house in Haidian District, how hard do ordinary people have to work to buy this school district house with full payment?
Assume that A is a top stock investment manager. Without the relatively strong commission mechanism of private equity, his annual pre-tax income is 10 million yuan based on salary and year-end bonus (don't scare me, 10 million yuan, we have assumed that he is a top investment bank manager).
As shown in the figure above, the pre-tax income of A is 10 million, and the after-tax income is about 5.5 million.
Let's also assume that the investment manager is really good and can get 10 million before taxes for 10 years in a row (otherwise, how to call it top), which is 55 million after taxes. If future income is discounted at 6 per cent, the cumulative pre-tax value is "only $78 million", or $39 million after tax.
What is the concept of 39 million in Beijing?
According to the current price, a better house in or near the Second Ring Road in Beijing is 150-160,000 yuan per square meter, a set of 200 square meters, including transaction taxes, decoration costs, about 35 million yuan.
That is to say, the cumulative income of a top investment manager's career is only enough to buy a decent house in Beijing, and policies and families must be foolproof during the ten-year struggle.
You may feel a little disappointed. In order to buy a house of 200 square meters more comfortably, we can assume that the investment manager really does it. Let's describe under what circumstances the investment manager can get 10 million before tax for 10 years in a row.
One of the following is necessary: large scale of management (e.g., at least $5 billion or more), excellent performance (e.g., ranking in the top 20%), and good overall profitability. Last but not least, if the overall performance of the company is poor, it is unlikely to give such a large amount of money to one individual.
What kind of process does it take to become such a "top class"?
After graduating from graduate school, he went straight into the industry, starting as a research assistant at the lowest level, then a researcher, then an assistant investment manager, then a (small) investment manager, then a (medium) investment manager, and finally a large investment manager with a management scale of $6 billion or more. And finally, the big money managers who manage large amounts of money and do well (that's the first $10 million). All these steps will take at least 10 years, or longer.
So it seems that very few people can achieve this kind of promotion, and as an investment bank, broad vision, numerous channels, who will invest in the second ring house in Beijing?
In fact, the pursuit of quality of life is forming a new trend. When the Beijing community has been infected with a kind of Beijing makes you sad, it is already a kind of collective reflection of elite power. When the talents of Peking University and Tsinghua University choose to leave one after another, in addition to the high housing price, there is also a kind of awakening to life.
Since congestion and smog make you feel sad, why not choose a higher quality lifestyle and living environment?
In fact, you can buy two villas in the United States for a down payment on an apartment on the sixth Ring road in Beijing.
The housing market is in the midst of a recovery after a bubble burst in 2008, sending median home prices down 22 percent from their peak. Houston Golden Oak Luxury Villa Community, Wanguo Land, starting from $360,000 (today's exchange rate is about 2.485 million yuan), the minimum size of the suite is 200 square meters, and a small courtyard.
Among them, elite education is a big highlight for the buyers of Golden Oak project. The most important thing about Golden Oaks is that it is surrounded by Aldine, Spring, Klein and Cypress-Fairbanks school districts. Within 30 minutes' drive, it is easy to reach the University of Houston, Rice University and the top three Carty school districts in Houston. Surrounding high quality school district resources and elite education, very suitable for overseas education buyers.
Meanwhile, according to Zillow's just-released January US real Estate Market report, the median home price in the US is now $195,300, up 7.2% from a year ago, while rents are up 1.4% from a year ago. Separately, sales of previously owned homes jumped 3.3 percent to a seasonally adjusted annual rate of 5.69 million units in January, the highest level since February 2007, according to the National Association of Realtors.
Why not give the future a better choice?
(project consultation hotline 400-606-5355, project details, please check all nations real estate website http://www.housebuyer.cn/).
It is reported that the Golden Oak luxury villa community in Houston, the United States, is priced at 360,000 dollars, fine decoration, the project is located in the United States industrial economy and technology leading Houston, Houston in 2015 with an economic growth rate of 3.52% won the Forbes 2015 list of the fastest growing cities in the United States, as the most potential for development of the region. Among the Fortune 500 companies in the world, 24 such as Phillips 66, Sysco and Conocophillips have settled in Houston, which is second only to New York and the fastest growing metropolis in the United States. The six advantages of Golden Oaks luxury villa community in Houston are a highlight of attracting high net worth individuals.
Advantage 1: Located in the value depression of the United States, the world's sixth largest port
Houston is the largest economic center on the Gulf Coast, the sixth largest port in the world and the largest port city in the United States. It is famous for its energy (especially oil), aviation industry and canals. Houston is also home to the world's largest and most important research and treatment facilities.
Advantage 2: Enjoy Houston high quality school district, elite education environment
The high quality school district resources and elite education of Golden Oak luxury villa community attract a large number of home buyers who pay attention to overseas education. Surrounded by Aldine, Spring, Klein, and Cypress-Fairbanks, the project is located within a 30-minute drive to the University of Houston, Rice University, and the top three Carty school districts in Houston. The advantage of an elite education is attractive to buyers of Golden Oaks.
Advantage 3: Safe and secure mature community, convenient shopping
Golden Oak is a predominantly white and highly educated community, with 85 percent of adults in the area having a bachelor's degree or higher. The median per capita income of the community where the project is located is as high as $59,900, far exceeding the average resident income of Houston. It can be said that it is truly a "rich area"!
Advantage four: high-end living facilities, into the high-end circle of the United States
High-end circle life is also a highlight of Golden Oak luxury Villa community. Around The project, there are many top golf courses that can host world-class events, and Texas Medical Center, the world's top hospital, enjoys the largest shopping mall in Texas, The Galleria and other large shopping plazas and other living facilities.
Advantage five: Houston gold location, investors value depression
The Golden Oaks Luxury Villa community is located on Highway 99 and connects the greater Houston area. According to media reports, the completion of Highway 99 will directly activate the real estate market along the route. Moreover, the project is located in an area with good investment returns, with the housing price rising 9.6% compared to last year. Conservative estimates are for 10% growth over the next year, with a healthy rental market and declining vacancy rates.
Advantage six: global asset allocation leader, customized for customers
Houston Golden Oak luxury Villa project as a magnificent transformation developer of Wanguo Land, built with ingenuity, mature operation; Real estate consultant new services, customized for customers to choose a variety of schemes; Customers can according to their preferences, choose their own appearance, housing type, material, real villa can also be customized.
Wanguo Activities: On March 25, the special guest Gao Xiaosong of Wanguo Land will give you a talk and launch Wanguo Land Palm Springs Hotel project. Interested friends can quickly scan the QR code to sign up. Now you can also get a house discount of $5000 - $5
