The phenomenon of people working in different places returning to their hometowns to buy homes tends to be common——
Today, who is returning home to buy a home?
"Homecoming home ownership" is becoming an important force in the new first- and second- and third-tier real estate markets.
Faced with the high cost of buying and renting a house in big cities, and the actual needs of marriage and childbirth, retirement, and improvement of living conditions, do you strive to buy a house at work or return to your hometown to buy a more comfortable house?
This has become a multiple choice question in front of many people.
A few days ago, the Shell Research Institute released the "2021 Homecoming Homeownership Report", depicting the behavioral characteristics of returning home buyers in terms of their willingness to buy houses, product preferences, and city choices.
Who are the main residents who return home to buy property?
What do people consider when returning home to buy a home?
Do people who have returned home to buy a home regret it?
Let's listen to what the people "get in the car" and those who are going to "get in the car" say.
Just need support, "post-90s" become the main force
Most owners did not hesitate to return home to buy a home.
"I never thought about buying a house in a first-tier city. The housing price is high and the income is unbearable. It's better to buy it in my hometown, buy it early and enjoy it." Lin Zhong is a 35-year-old from Guilin, Guangxi, and has been working in Guangzhou.
He and his wife have a boy who goes to kindergarten in the county seat of his hometown. In order to facilitate their children's schooling, the couple bought an off-plan housing in Guilin City, which will be delivered next year.
Wang Xiaohai lives in rural Anhui. He is nearly 60 years old and works in Shanghai all year round.
A few years ago, Wang Xiaohai used his savings for many years to help his son and daughter-in-law with a down payment to purchase a commercial house with a usable area of more than 100 square meters in Hefei.
Recently, my daughter and son-in-law who work in Beijing are also considering buying a house in Hefei.
"The son himself is developing in the provincial capital. After buying a house, my wife and I can also go over and help bring our grandson." Wang Xiaohai said.
"I think we should get in the car first and then find a seat." Jiang Jie is a "post-90s". After graduating from her graduate school, she worked in a financial institution in Shenzhen. Last year, she returned to her hometown in Sichuan and bought a two-bedroom apartment in Chengdu. Finely decorated commercial housing.
"I don’t regret getting on the bus at my hometown. After all, the housing prices in Shenzhen are too high. Actually, the new house has not been visited a few times. It has been rented out. When I get older, I still have a way out when I return to my hometown. The elderly will go to Chengdu. There is also a place to live for the elderly and bring the baby." Jiang Jie said.
Who are returning home to buy a home?
According to a survey conducted by the Shell Research Institute, more than 40% of the respondents plan to return to their hometowns to buy homes, and “post-90s”, married, and middle-income groups have become homeowners.
Why return home to buy a home?
According to the survey, one of the main reasons for the “post-90s” to return home to buy a home is to consider the future development needs of their hometowns, and to buy houses in advance to “leave a good way out”; at the same time, the “post-90s” group has relatively insufficient fund accumulation and faces high housing prices in working cities. And the threshold for buying a house, lower housing prices and preferential talent policies in hometowns or provincial capitals are more attractive.
Among the "post-80s" group, 84.9% of the respondents are willing to return to their hometowns to buy a home. The main reason is to improve the living and living conditions of their families. The "post-80s" generally pay attention to the education of their children. 45.4% of the respondents return The purpose of Township Property is to facilitate children's access to quality education.
Experts believe that the "crowding-out effect" of high housing prices in first-tier cities is an important factor for many people returning to their hometowns to buy properties.
The "China Housing Development Report (2020-2021)" released by the Institute of Financial Strategy of the Chinese Academy of Social Sciences at the end of 2020 pointed out that the level of housing prices in first-tier cities is significantly ahead of other cities, and the rate of housing price growth is also leading, which is different from the sales price of second-hand housing in second- and third-tier cities. Gradually expand.
In addition, the rising trend of housing rental prices in first-tier cities is also continuing, and the contradiction between supply and demand in the rental market continues.
"First-tier cities are suitable for young people to struggle, and there are many opportunities, but the cost of buying a house and renting a house is too high." Wang Xiaohai's son told reporters this way.
There is a big demand for improvement, and the location is valued
Which cities are most popular with home buyers?
The survey shows that most home buyers are not in the counties, towns, or small and medium-sized cities where they returned to their hometowns. The new first-tier and provincial capital cities are the most attractive to home buyers.
The Shell Research Institute report shows that the top 10 cities with the most popular intention to return home to buy property are all new first-tier cities. Among them, Chengdu has become the first choice for returning home buyers, and Hangzhou, Wuhan, Changsha and Zhengzhou also squeeze into the top five on the list.
In addition to the high housing prices in first-tier cities, the rapid economic development of new first-tier cities has led to increased employment opportunities, the attractiveness of talent introduction policies, and the shortened travel market for transportation networks. All these have made the new first-tier cities a popular destination for home buyers.
The housing prices in the new first-tier and second- and third-tier cities are much lower than those in Beijing, Shanghai, Guangzhou and Shenzhen, but the total housing price is also considerable.
How to raise money for the house?
Parental support, personal savings, replacement cash-out... Home buyers often cross the sea with eight immortals, each showing its own magical powers.
The full or partial support of parents is the mainstream source of funds for young people to return home to buy their homes.
Research shows that nearly 60% of the respondents need parental financial support, and 38.4% of the respondents’ house purchase funds partly come from their parents.
The proportion of "post-90s" who rely on their parents to buy homes is higher, nearly 17 percentage points higher than "post-80s".
In addition to the "post-90s" homebuyers driven by rigid needs, the "post-80s" and older people are also an important part of returning home to buy homes.
Research shows that they joined work earlier, their economic strength is stronger, and their demand for improvement is the main source of funds. The source of funds also comes from personal savings or real estate replacement.
"When changing houses, many family members and friends didn't understand it." Zhang Cheng, a citizen of Beijing, is a business operator who is in his 50s this year.
A few years ago, after his only son graduated from a university in Beijing, he decided to go abroad. Zhang Cheng sold his three-bedroom apartment in the North Fourth Ring Road, replaced a townhouse in the outer suburbs, and bought a house in the provincial capital of his wife’s hometown. .
"The original house is old, small in size, and the school district and property services are average. The child has already worked, and I should enjoy it for the rest of my life." Zhang Cheng said that he loves fishing, and there is a large area near the new house, which is allowed to fish. In the waters, it is more convenient to discuss with the fishing friends.
"No matter how old I am, I will go to my spouse's home to provide for the elderly, and leave the house in Beijing for my son." Zhang Cheng said.
What are the characteristics of the house most valued by returning home buyers?
Research shows that in addition to meeting rigid needs for self-occupation, home buyers pay the most attention to the appreciation potential of housing.
According to the survey, 52.3% and 40.8% of the respondents who value the location and value preservation and appreciation potential of returning home to buy property are the most important, respectively. The supporting facilities of shopping malls and supermarkets, public fitness facilities and children's amusement facilities are also factors that are generally favored by returning home buyers.
In addition, nearly 70% of the respondents tend to choose to buy houses that have been renovated.
There are risks in home ownership, so be cautious when you "get on the car"
Compared with first-tier cities, the growth rate of housing prices in second, third, and fourth-tier cities is relatively flat.
According to data released by the National Bureau of Statistics a few days ago, in February, the sales prices of newly-built commercial housing and second-hand housing in 4 first-tier cities increased by 0.5% and 1.1% respectively, and the sales prices of newly-built commercial housing and second-hand housing in 31 second-tier cities both increased by 0.4% month-on-month. In 35 third-tier cities, the sales prices of newly-built commercial housing and second-hand housing increased by 0.3% and 0.2% respectively from the previous month.
According to the analysis of the "China Housing Development Report (2020-2021)", there are still four types of popular areas for home ownership: first, there are still housing shortages in areas where the population flows into concentratedly, including the sub-centers and surrounding cities of metropolitan areas and urban agglomerations; second, Second-tier cities with large populations and developed economies and surrounding regional cities; third, third- and fourth-tier cities in the central and western regions with large populations, rapid economic development and rapid traffic along the lines; fourth, cities with unique environment, culture, tourism, leisure and elderly resources .
However, there are risks associated with returning home to buy a home.
Experts pointed out that if you buy a house in a familiar place, use it for your family or live by yourself, there is no big problem, but if you are attracted by investment ideas or some concepts, you need to be cautious.
Li Jianguo, a 46-year-old Yunnan native, worked in Beijing after graduating from University. Now he has a successful career and bought a two-bedroom house in a tourist city in the province.
"It was a bit sloppy when I bought a house. I wanted to use it to shelter from the cold in winter, but I have been in Beijing for many years. My whole family has adapted to the northern climate. The house without heating can't stay in the winter, and I can't live in it for a few days a year. Now I have to rent it out. ." Li Jianguo said.
"You can't just look at the short-term fluctuations in the housing market. Get in the car as soon as your mind is hot. Especially in cities with outflows, you must be cautious when buying a house." Gao Ming's hometown is in a third-tier city in Heilongjiang Province. Be more cautious when making decisions.
Gao Ming analyzed that in some areas where population growth is sluggish or even negative, the housing market lacks medium and long-term demand support.
"You can't just make the house price cheap, but also consider the rigid demand." Gao Ming said.
How to avoid risks when returning home to buy a property?
Relevant experts pointed out that attention should be paid to four types of risk areas, namely, shrinking cities and towns outside of urban agglomerations, resource-exhausted cities, underdeveloped cities and towns below the fourth and fifth tiers, and remote border cities.
The "China Housing Development Report (2020-2021)" predicts that in 2021, the property market in central cities, metropolitan areas and urban agglomerations will recover better and may even overheat, while other cities will recover slowly and the differentiation may expand.
In addition, home buyers returning to small and medium-sized cities and county towns to buy houses also have risks such as low appreciation potential, difficulty in reselling and realizing, and poor supporting facilities.
Reporter: Wang Wenzheng