Yanzi Valley of Jingcheng

Chapter 229 It seems to be shining

Under the same moonlight, Ren Tianxing doesn't need to see Guan Sha now, and he knows that she is probably thinking about long-term rental apartments.

Ren Tianxing has investigated many cases in developed countries in detail before, such as Germany and Singapore.

In Germany, people who have rented a house for a lifetime account for 60% of the total population.

The main reason for this is that after World War II, Germany built a large number of houses, basically guaranteeing that each household has one set. If a German family wants to buy a house, it can be realized within 5 years of work, and buying a house in Germany requires paying high property taxes. As a result, the fixed expenses such as mortgages and property taxes that need to be paid every month to buy a house are greater than the rent, and the rise in housing prices is also very slow. The annual increase is not as much as the property tax loss, so Germans have little motivation to buy a house.

Ren Tianxing found it very interesting when he was studying the German model.

In a country where wages in Beijing, Shanghai, Guangzhou and Shenzhen are 4 to 6 times higher, it is relatively easy to buy a house with a similar absolute price. Since you can buy it at any time, many people are not in a hurry to buy it at all.

After buying a house in Germany, the annual property tax for a house of 100 square meters is about 1 RMB. To save taxes, many Germans have rented out their houses, and the supply of houses in the rental market has naturally increased.

In addition, in Germany, the long-term rental housing is basically 10 to 20 years. If the landlord wants to evict the tenant, he needs to notify the tenant half a year in advance. take to court.

Of course, the most important thing is that the ownership of a house in Germany is not linked to the household registration, renting and purchasing the same rights, and buying a house with huge sums of money will not reap any benefits.

Compared with Germany, Singapore is unique in that it has a three-tier affordable housing market of low-rent housing, HDB flats and condominiums.

Low-rent housing is purchased by the government at a unified cost, and then rented to the poor at very low prices.

HDB is a public housing undertaken by the Housing and Development Board of Singapore. Most of them are distributed in big cities and are mainly provided for the middle and lower classes and poor families. They are equivalent to low-cost housing or limited-price housing.

The area of ​​a HDB flat is 50 to 60 square meters, and the price is limited to about 2 times the average monthly income of an individual in the city. If it is a family formed by a newly married couple and both of them have jobs, they can buy a flat in a month. square meters, it takes about 5 years to buy a whole HDB flat.

In order to allow everyone to afford such a house in a short period of time, the Singaporean government provides 80% to 90% of the loans to residents through multiple channels. Qi down payment to buy a house.

HDB flats account for more than 8% of the real estate market. The Singapore government uses this policy to make it easier for most people to afford housing.

Similar to long-term rental apartments, there is a kind of house in Singapore called a condominium. This type of apartment is somewhat similar to a shared property house. It has better conditions than HDB flats and faces a higher class. The general price is about 70% of commercial housing, per square meter The price of rice is about 1.5 times the monthly household income.

In Singapore, if a family wants to buy a condominium apartment of their own, they need to work hard for about 10 years, which is three times less than the pressure of "six wallets + 30 years of loan repayment" in Beijing, Shanghai, Guangzhou and Shenzhen.

It is precisely because of the three-tier supporting mechanism of low-rent housing, HDB flats and public management apartments in Singapore that it is difficult for the price of commercial housing in Singapore to rise. Today, the price of commercial housing freely circulating in the market is about three times that of HDB flats. A family works diligently and does not need any external force. They can buy all of them after 3 years of hard work with only the wages of the couple.

Going back to the current situation in our country, our strategy is also learning from Germany and Singapore. In the strategy, the same right to rent and sell is the German model, and the affordable housing is the Singapore model. The two models go hand in hand. The motivation of people in the market to hoard houses is natural. There will be no more, the housing supply will become sufficient, and housing prices will no longer experience uncontrollable crazy growth. In addition to the upcoming property tax, if the increase in housing prices cannot cover the capital cost of holding a house, then more and more of people will definitely choose to rent a house.

In this sense, my country's housing rental market will be promising.

Looking up these materials and thinking about these issues is not a burden for Ren Tianxing. Since the collapse of Dandan and other brands of long-term rental apartments, Ren Tianxing has always been curious about this industry.

Ren Tianxing knows that this kind of curiosity is rare. Xiao Jie said that curiosity is an essential quality for investors. If it is difficult for a person to be interested in things that he does not understand or is familiar with, then he cannot become an excellent investor.

When Ren Tianxing first entered Jinquan as an intern, he had a more or less "sense of mission" when doing research on shared power banks, live broadcasting, and the beauty industry, but now this "sense of mission" has disappeared, and he just uses all the scattered time It is very simple to understand something that he is curious about outside of work, and the results are not bad, even if Ren Tianxing's direct supervisor Ma Yu will not praise him after he has achieved such results.

"Brother Tianxing, did you check this because of Sister Guan Sha?" Guan Zhenzhen asked the other day.

Ren Tianxing shook his head, "No."

"So this is your job?"

"No." Ren Tianxing said, "Just curious.

Guan Zhenzhen then asked, "Are you also curious about finding the designer Qiao Sen?"

"Well, I'm also curious."

"Curious about the group of interior designers?" Guan Zhenzhen asked.

"No, I'm curious about my own abilities." Ren Tianxing replied.

Ren Tianxing is like many young people who come to the first-tier cities to work hard. In this city, they work hard and fulfill their work. They often have the opportunity to meet some outstanding people. Suddenly one day, they find that the person they fall in love with is so outstanding. Seeing that this person is so close to them, but at the same time so far away, so good that even if you can just like this person, it is already a very beautiful thing.

Ren Tianxing still remembers what Guan Sha said.

"I will work hard and do my best, but in the end if he still refuses to agree, I will not force it. I don't have to have him to like a man. I will push myself to become better with the goal of matching this man, even if we are not together. My youth still belongs to me.”

From this, Ren Tianxing remembered a Valentine's Day a few years ago, when Mo Ru took him to watch the open-air love movie in the school playground, the movie was called "Me Before You" (Me Before You)

The film is about a poor, small-town girl who loses her restaurant job and has to care for a quadriplegic male patient.

The male patient was originally a sunny and sports-loving kid from a wealthy family, but due to an accident, he became paraplegic from the neck down, so he became a person with an extremely bad attitude and self-destructive attitude.

The two had mutual affection because of the relationship between caring and being cared for. The male patient released himself from the wrapped shell because of this relationship, and the female nurse also rebuilt her confidence in her future because of this relationship. favorite university.

The two were not together in the end, but because of a relationship, both of them became better selves than before. At that time, Ren Tianxing felt that this is the most moving, beautiful and greatest place in love.

Before, he also thought that he was experiencing this kind of love. Although this kind of love is one-sided, it is also love. Ren Tianxing enjoys the regretless youth that this kind of love brings to himself.

It’s just that this state of mind is quietly changing at this time. Looking at the closed door of Guan Zhenzhen’s bedroom, for some reason, Ren Tianxing suddenly wants to buy a house with a big kitchen for the girl sleeping inside. His desire It was so strong, even when he and Mo Ru were together before, he never felt it.

The next day, when Guan Zhenzhen opened the door and came out to brush her teeth, she saw that Ren Tianxing had already packed her luggage, and he also restored the furnishings in the living room to their original positions.

"I'll pick up the folding bed after get off work at night." After Ren Tianxing finished speaking, he pulled the suitcase and walked to the door.

Guan Zhenzhen stared at Ren Tianxing fixedly, unable to say a word, she thought all this would happen at night, but she didn't expect it to come so soon.

Unexpectedly, when Ren Tian walked to the door, he stopped, "Well...my house has a separate kitchen, you can use it as you like, and because it is a housing for talents, the rent is only the market price Forty percent, it will be cheaper if the two of us share equally, and twenty percent, if you don’t mind, you can consider moving here, saving a lot of money, isn’t it… I’ll give you the room, and I’ll continue to sleep in the lobby. You know my job, and most of the time They are all on business trips, even if they are not on business trips, they come back late, the house is basically yours, and the kitchen must be yours."

When Ren Tianxing said this, he felt his entire palm was wet. He held tightly on the handle of the suitcase and did not dare to let it go. It was covered with a thick layer of mist.

Guan Zhenzhen didn't answer for a while, Ren Tianxing was afraid of embarrassment, so he hurriedly said, "Of course, it's okay if you find it inconvenient. After all, men and women are different. I just saw that you like cooking, so..."

"It's very convenient!" Guan Zhenzhen blurted out, and then changed her words in a panic, "I mean it's not inconvenient, Brother Tianxing, do you find it inconvenient for us to live like this now?"

"will not."

"Then neither will I."

Guan Zhenzhen smiled, her smile seemed relaxed and casual, but it gave people vitality, just like a person who was about to suffocate suddenly got the fresh oxygen in the vast forest, from her innocent eyes, Ren Tianxing saw his figure To his surprise, the figure in Guan Zhenzhen's eyes seemed to be shining.

(End of this chapter)