Editor's note:
To provide housing financial services for new citizens requires financial institutions to "bend down" to meet the real needs of this group, and also requires institutions to mobilize their own financial strength, technological strength, and talent strength, and make concerted efforts to make financial services more professional , efficient and warm.
Intern reporter Xu Yupeng
Xiaoxue, who came to Beijing to work alone after graduating from graduate school, is not sure whether she is a new citizen who is favored by the policy, but when she talks about the experience of renting a house in Beijing, the difficulties and frustrations she feels are certain. . Recently, because of the endless noise from the neighbors, Xiaoxue had to retire early and move out of the "old and broken" who had lived there for 3 years. After "mediating" with neighbors and "wrangling" with intermediaries countless times, she really looks forward to a more friendly and standardized housing environment for "migrant workers" in big cities.
For new citizens floating in big cities, the issue of renting is always a nuisance.
In the first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, the problem of "high housing prices" is becoming more and more prominent, and there are more and more "purchase restrictions" policies, challenging the traditional mode of buying and living. Housing leasing is becoming the primary way to meet the housing needs of many non-local residents, and even a lifetime choice for some of them.
The "14th Five-Year Plan" will effectively increase the supply of affordable rental housing as the key task of housing construction in the new era. In order to further meet the housing problems of new citizen groups such as migrant workers, newly employed college graduates, etc., this year, the China Banking and Insurance Regulatory Commission will support financial institutions to participate in the pilot project of affordable rental housing and cooperate with the government to build housing rentals. Comprehensive service platforms and other means to promote the increase in the supply of long-term rental resources and improve the supply system... From increasing supply to regulating the market, a series of policies that benefit renters are on the way.
dreams of owning a "master bedroom"
rents a house in Beijing, and twists and turns seem to be the norm. After
90, Jiajia came to Beijing for more than 7 years and is currently working in , a tax accountant firm. She has rented a house in Beijing 5 times, the longest for 3 years and the shortest for 9 months. When she came to Beijing for the first time in 2015, Jiajia rented a family building of a university through her classmates, with only one bed. . "I later learned that this is the second landlord. Without the owner's knowledge, the house was integrated into a shared dormitory, and the beds were rented out." Due to the rush of time and the uncertainty of the future itinerary, Jiajia finally packed her bags and went to her classmates. The classmates spent a week in the single pavilion, "special thanks to the classmates for taking in".
rents houses in big cities. There are leading intermediaries such as Lianjia, as well as numerous small intermediaries and second landlords. With lower handling fees and cheaper housing, it attracts newcomers who are new to the city and do not have a lot of start-up capital. But substandard intermediaries bring endless troubles.
In 2019, in order to save some intermediary fees, Jiajia tried to rent a house through a small intermediary. At that time, Jiajia did not understand the mutual cooperation and sharing of housing resources among small intermediaries, and saw a lot of "old and broken", and finally saw a rather clean and tidy top floor dwelling, and was informed that the house would be acquired at the final signing stage. No real estate license. The intermediary explained that it was hosting a friend's property. Because of her previous experience of being moved out within a time limit, Jiajia was particularly cautious about housing issues. "In the end, she failed to sign the contract and felt cheated."
From sharing a bed to sharing a room, Jiajia has not enjoyed a separate room for a long time in Beijing due to her limited budget. Later, I really wanted to live in a bedroom by myself. Jiajia, who worked in the city center, went to the suburbs of Daxing to rent a second bedroom, "Because it is far away, the house in Daxing is relatively cheap, so I thought, One step can work hard to have a master bedroom.” It’s just that commuting is not easy, and in the end, the subway crowd is unbearable, and Jiajia still chooses to move.
"When I first came to Beijing, I didn't know the environment here, and I didn't pay much money, so I chose to rent a group house." Beidiao for 7 years, recalling his experience of renting a house, interior designer He Qi expressed his appreciation for the initial "group rental". "The experience is the most impressive.
It was a mid-to-high-end community near Chongwenmen on the second ring road. It was a 140-square-meter house. There were many bunks in each room. There were wires everywhere, and young people of all shapes and sizes shuttled. At that time, He Qi had just quit his job at a state-owned enterprise in his hometown in Shandong and came to Beijing alone.In Beijing, the cost-effectiveness of living in the "city center" for a monthly rent of 850 yuan moved her. Young people from all walks of life gathered together, and the noisy popularity made her forget the loneliness of wandering in a big city. It was not until the group rental housing was reported and banned that she knew that this form of rental housing was not legal. During the 7 years of
, He Qi has moved 5 times, and he has experienced the "disappearance" of the black intermediary after collecting the rent, and also experienced the explosion of in the eggshell apartment. Her rental needs are quietly changing. "At the beginning of renting, the main consideration is that it is close to the company and cost-effective. Now, the first consideration is the environment. I hope it is clean and quiet, and the one-way commute time from the company to the place is not more than 1.5 hours." At the same time, He Qi The "right to speak" in the rental market has also changed. "It started out as a group renter, then shared with the second landlord, and now rents the whole house by himself, and then acts as the second landlord to sublet the house."
goes around, maybe only one One thing is certain: He Qi knows that he will not stay in Beijing forever. "The house price is too high. It seems that this place is only suitable for work, not life." The city is very big, but the space left for everyone is so cramped. to live a life close to nature.
A tug-of-war "battle"
Shell Research Institute released the key 23 cities' job-housing balance index, showing that Beijing's "job-housing imbalance" problem is relatively significant. About 850,000 renters have a one-way commute distance of more than 20 kilometers every day. In the core business district of Beijing, renters need to pay an extra 142 yuan per month for every one kilometer away from their work place. There is a clear conflict between “living close” and “low rent”.
has been in Beijing for 3 years. Xiaoxue, who works in a bank, firmly chose to "live close" and become a new citizen living in the "old and broken" in the city center.
The 33-square-meter apartment on the 1st floor of the old community in the second ring road is certainly not good, but it is close enough to the company and it is rented as a whole. Although it costs her a lot of salary every month, even if it is open in winter The indoor temperature is only 19 degrees with heating, but she still cherishes the convenience of commuting brought by living close.
, but in June of this year, Xiaoxue, who had just renewed the lease, encountered a problem: the new tenant upstairs was a mother and son who came to Beijing from other places. The sound insulation of the old house is poor, and the sonorous and powerful sound of musical instruments echoes upstairs and downstairs, on every weekday evening and every weekend, without stopping. Xiaoxue tried to communicate with the neighbors, but failed. The mother was unwilling to spend another sum of money to practice in the piano room. The two parties agreed on a time for the child to practice the piano, but they were often unable to comply. Xiaoxue tried all the anti-noise methods introduced on the Internet, but to no avail. "Old and broken" do not have property, and intermediary platforms are not willing to intervene too much. After several failed negotiations, Xiaoxue finally called the police at the sound of piano practice at 10 pm, and the negotiation turned into a "dispute". The mother who refused to communicate blocked Xiaoxue. Exhausted, she had only one way left to move.
changing leases is not easy either. September is not the "peak season" for renting a house, and it is difficult to find a "next home" when the listings are listed on the Internet. The intermediary clearly informed that if the lease is terminated early, a considerable amount of liquidated damages must be paid. Xiaoxue's ideal is to live in a place where the commute can be controlled in about 30 minutes, but the rent nearby has risen with the arrival of the school season. "For a room of 30 to 40 square meters, the decoration is slightly better, and the monthly rent soars to more than 10,000 yuan." In the end, with the help of the street to defend her rights, the intermediary company agreed to Xiaoxue to exchange the lease on the same platform without liquidated damages, and Xiaoxue also moved. I went to a neighborhood far away from the company. Before
moved, Xiaoxue went to the new house to "check" three times at different times.
"After this tossing, I suddenly had the idea of buying a house in Beijing. Maybe it's easier to defend my rights?" Xiaoxue said.
If it is said that renting a house is like signing an "incomplete contract", it is almost impossible to be 100% satisfied due to the bounded rationality and incompleteness of information, then will buying a house be the last stop for renters? Where is
home?
"The pressure of renting a house in Beijing is really huge. At present, rent accounts for one-fifth of my income. Of course, I want to buy a house in the future, repay my loan to myself or repay the loan to the landlord. I will definitely choose the former." Talking about future plans , Jiajia is a firm "buying faction".
Jiajia's hometown is in Hebei, and her parents come to Beijing to visit her from time to time. When she thinks that her parents will no longer need to stay in a hotel and can live in her own home in the future, Jiajia will feel a sense of security and belonging. "Of course, you don't have to worry about renting and moving." , Lou Ping, a media person born in the 1990s, paid the first down payment in his life and purchased his own house-a set in Nansan, BeijingThe 54 square meters on the edge of the ring are "old and broken". In Beijing, as long as you have paid social security for 5 years and saved enough down payment, it is very convenient to buy a house even if the household registration is not local. This is Lou Ping's feeling. However, Lou Ping doesn't think "buying a house" has any special symbolic meaning.
"I want to buy a house because I think it's better to have a house when I'm old. But I don't think that if you have your own house, there will be a so-called 'Belonging'. In my hometown, my family will build a house. It's a 'one-shot' thing, and you will live for the rest of your life. But I don't necessarily live in a small house in the city all my life, with the changes in my future life I will still consider moving to other places." In Lou Ping's view, buying a house is just a "temporary stay" that is a little longer than renting a house.
Yuan Yuan, an employee of a cultural state-owned enterprise, applied for public rental housing and found the joy of living in a big city. Public rental housing is a type of affordable housing , which is characterized by low rents and long lease periods. Yuan Yuan and the other half "have poor family conditions" and rely on wages to rent and live. "Low rent" has always been their top priority.
moved into the public rental housing that he applied for through his unit, Yuan Yuanhe felt that the world suddenly widened. Although Yuanyuan still faces a 50-minute commute distance due to the fact that affordable housing is generally built in remote areas, the rent has dropped and the pressure of life is much less. In the morning, you don't have to rush others to use the bathroom, and you don't have to worry about meeting the inappropriate people in the room. After moving into the new house, Yuan Yuan immediately raised a golden retriever and bought a big TV. "Every day after get off work to cook, walk the dog, watch dramas and read books, I finally feel that I am not so busy."
's government work report this year pointed out that "explore new development models, insist on both rental and purchase, and speed up the development of long-term development. rental market, and promote the construction of affordable housing.” According to the plan disclosed by Beijing, during the "14th Five-Year Plan" period, Beijing will build and raise 400,000 units (rooms) of affordable rental housing, 60,000 units of public rental housing and 60,000 units of shared property housing. With the advent of the era of "simultaneous development of rental and purchase" and the further implementation of various supporting policies, this will provide more possibilities for new residents in big cities to settle down.
Zhang Mei, a 49-year-old cleaner, is still vague about such policies. Zhang Mei's daughter is a graduate student in Beijing. At the end of last year, she came to Beijing from a small town in Shanxi, thinking of being closer to her daughter and also taking a job. Because of this job, Zhang Mei has watched the lifestyles of many urbanites, "There are many people who rent, some people share, and some locals live in a big house, but I feel that everyone is so busy, They are all working overtime."
's daughter wants to stay and work in Beijing, and Zhang Mei is most worried about her housing problem. "It's not easy to live in a house with cheap rent. Buying a house in Beijing is definitely unaffordable." But Zhang Mei knows that even if the house in her hometown is neat and tidy, her daughter will never go back to her hometown to work. "No matter how hard work and life are in a big city, we have People with skills still come out. You see how sad the small place is." Zhang Mei said.
Source: China Banking and Insurance News
