How to afford a mortgage of k yuan with a monthly salary of 30,000? Surprisingly, it accounts for 12% of the total in Taiwan! Official data: The government's measures to cool the housing market are effective.

According to the statistics of the Joint Collection Center, the small bourgeoisie with an annual income of less than 400,000 yuan in Taiwan accounted for about 12% of the new housing loans in the first half of this year, and the average mortgage was nearly NT$9 million. (Synopsis: Taiwan's "eighth wave of house fighting" is more fierce medicine!) Expert forecast: house prices will definitely explode, fall 5% per year) (Background supplement: Central Bank does not rule out the "eighth wave of house fighting" Yang Jinlong: crazy buying will spawn a huge bubble, must be shot in advance) How do small bourgeoisie with a monthly salary of 30,000 carry nearly k thousand mortgages? According to the Economic Daily, according to the statistics of the Joint Collection Center, the small bourgeoisie with an annual income of less than 400,000 yuan in Taiwan accounted for about 12% of the new housing loans in the first half of this year, and the average amount of mortgages in the first half of this year reached NT$8.78 million, an increase of NT$620,000 over the same period last year. In this regard, Li Jiani, manager of the trend center of Taiwan Housing Group, analyzed: Office workers with an annual income of less than 400,000 yuan have an average monthly salary of about 30,000, and if they want to carry a mortgage of nearly 9 million yuan, they have to pay nearly 30,000 a month for 40 years. It is estimated that most of these petty bourgeoisie are sponsored by their parents, buy houses early, and use the grace period of the new Qingan loan, and pay interest without payment for five years, only then will they become low-paid but high-priced mortgages. Source: Economic Daily The reason for the decline in the proportion of small bourgeois housing loans? Taiwan's housing data also shows that Taiwan's small capital mortgage families dropped about 2.4% compared with 14.8% in the first half of last year. Zhang Xulan, CEO of Taiwan Housing Group Trend Center, analyzed that the proportion of small bourgeois housing loans fell in the first half of this year, mainly due to the recent four major changes in the housing market: The burden of buying a house has increased: prices, house prices continue to rise, and in recent years have successively ushered in 6 degrees of interest rate increases, housing loans Intrerest Raterise, for small bourgeoisie, the pressure on housing loans is heavier, and house prices are getting higher and higher. Increase in high-paying property buyers: Xinqing'an ignited the housing market boom, not only the demand for first-time purchases has emerged, but also high-paid property buyers with more housing buying strength have actively entered the market, resulting in the dilution of the proportion of low-wage housing loans. Shortage of low-total price items: Due to the recent wave of house purchases, the items within the reach of petty bourgeoisie are quickly dematerialized, and the shortage of low-priced items in the existing housing market also makes small bourgeoisie willing but unable to buy. Higher threshold for bank verification: Due to overheated transactions, Central Bank issued a loan restriction order in the second half of the year, the threshold for bank verification became higher, the door of each bank's housing loan became narrower, and even the price system, many housing loan cases Intrerest Rate gave more than 3%, which may affect the overall lending performance of small bourgeois in the future. The Golden Dragon is effective! Home Ministry show data: the housing market has cooled down since October On the other hand, Taiwan's Central Bank introduced the 7th wave of credit control in late September, implementing the strictest crackdown measures in history, such as "no grace period for first-family home purchase loans", "2nd household home purchase loan ratio reduced to 50%, the scope expanded to the whole country", "the ratio of legal persons and high-priced residential loans was reduced", and "the proportion of remaining housing loans was reduced to 30%", which made real estate operators complain for days. The Economic Daily pointed out that the Ministry of Home Affairs released the national residential price index for the second quarter of 2024 on the 24th to 146.48, which is 4.02% higher than the first quarter. However, the Ministry of the Interior stressed that in order to guide the cooling and normal development of the housing market, Central Bank has persuaded banks to "independently control the total amount of real estate loans" since August, and after the implementation of the seventh wave of credit control measures in September, the number of registered households for the purchase and sale of buildings nationwide in September this year was 29,520, a decrease of 5.2% from 31,127 in August, indicating that people's willingness to buy and sell houses has declined, and the cooling effect of the housing market has begun to ferment. The Ministry of the Interior said that it will closely observe the subsequent changes in the housing market, continue to strengthen the audit of illegal transactions in the housing market, strictly require the industry to have to implement marketing, and jointly prevent improper speculation. Extended reading: Taiwan's "eighth wave of house fighting" is more fierce medicine! Expert forecast: house prices will definitely explode, fall 5% per year The eighth wave of housing hits may come on 12/19 Whether the Golden Dragon tsunami can continue to effectively curb the overheated housing market is worth continuing to follow. It is also worth noting that a number of housing market experts have recently indicated that Central Bank's "eighth wave of house fighting" has been on the line. Investor Internet celebrity Shuai said in the "Wind Media" program "Go to Your Home After Work" a few days ago that the eighth wave of house crackdowns may start on December 19: 50% of the first loan, 20% of the second loan, and 5% of the third loan. Only young people can borrow eighty percent, everyone else takes cash, and all of them give way to young people to buy houses Not only that, Shuai said that as long as the new Qingan policy is 8 months long, the 30% water level limit of the eight major banks will reach the upper limit, and remind young people who do not have a house to use the new Qingan loan to buy a house, leaving only the last 8 months. As for whether house prices will rise or fall in the future? Shuai overly predicted that house prices will fall by 5% per year, and will fall for 3 consecutive years. Related reports The toughest crackdown in history is coming! Yang Jinlong made 4 moves to hit investors, Central Bank Intrerest Rate even 2 freezes, 1 yard The housing market is frozen! The Housing Arbitration Association called out nine major demands: the policy is not corrected may set off a wave of defaults in Taiwan Central Bank's seventh wave of housing "exemption clauses" released: inheriting the first purchase, changing houses and other three types of people breakeven restore the Central Bank's most ruthless housing decision" builders and investors join hands to speculate on houses, Yang Jinlong is forced to be anxious 〈How to bear K 10,000 mortgages with a monthly salary of 30,000? The proportion of the whole Taiwan is 12%! Official data: The Golden Dragon Tsunami is effective" This article was first published in BlockTempo "Dynamic Trend in Moving Area - The Most Influential Block Chain News Media".