本刊577期封面报道《100万能买什么房》刊出后，引起了很多读者的关注。在此，我们针对读者提出的一些颇具共性的问题，来逐一进行解答。

This newspaper 577 period cover report《100 universal to buy what room》After publication，Caused a lot of the reader's attention。In this，We put forward some important for readers of common problems，To answer them。

　　《理财周刊》：

《Financial weekly》：

　　哪些城市还可“百万元买房”

Which city can also“One million yuan to buy a house”

　　文/本刊记者 甄爱军

The/this reporter ZhenAiJun

　　“百万元买房”引热议 “One million yuan to buy a house”Lead hot debate

　　在上一期本刊封面报道《100万能买什么房》引发了热议，本刊编辑部也接到不少读者的来电。大部分读者认为，这样的比较很有意思，让自己对全国房价有了一个比较直观的认识。当然，也有人提出了不同意见，比如为何要选择百万物业做对比。

In the last issue we cover report《100 universal to buy what room》Caused a hot debate，This newspaper editorial board also received many readers call。Most of the readers to think，This is very interesting，Let oneself to the national house prices have a more intuitive understanding。Of course，Also some people put forward different opinions，Such as why to choose a property be compared。

　　其实，百万元总价的物业，对应国内众多城市的居民收入，其房价收入比基本都处在12倍左右，如北京、上海、深圳等在10倍左右，西安等城市约12倍。为什么说这个区间是比较合理的呢？北京中原地产市场研究部总监张大伟认为，考虑到我国的实际情况，在一线城市的房价收入比在12左右比较合理。专家进一步解释说，房价收入比描述的是居民对住房价格的可承受性，并非是让购房者以一定年数内全部收入来购房那么简单。张大伟表示，国内年轻人购房，大部分或多或少都能得到父母的资助。因此在首付款已付的情况下，对于一个年收入在10万元左右的家庭，应该有能力承受百万总价的住房。比如购买100万元的住房，首付三成，贷款70万元，按照目前的利率水平（首套房可打85折），贷款30年，每月平均还贷4005元。

In fact，One million yuan of the total value of the property，Corresponding to the domestic many urban residents income，The house prices than the basic income is in 12 times the left and right sides，Such as Beijing、Shanghai、Shenzhen in 10 times the left and right sides，Xian and other cities about 12 times。Why do you say that interval is reasonable？Beijing central plains real estate market research department director ZhangDaWei think，Considering the actual situation in our country，In a line of city housing price-income ratio in 12 or so is more reasonable。Experts further explained，The housing price to income ratio describes the residents of housing price affordability，Is not let the person that buy a house to a certain number of income to buy in all so simple。ZhangDaWei said，The domestic young people，Most of the more or less can be parents' support。So in head paid cases，For an annual income of 100000 yuan in the family，Should have the ability to withstand million of the total value of the housing。Such as purchase 1 million yuan of housing，Down thirty percent，A loan of 700000 RMB，According to the current level of interest rates（The first suite can call 85 fold），Loan 30 years，An average of 4005 yuan per month loan。

　　当然，现实中房价收入比过高的现象普遍存在。德佑地产研究主任陆骑麟表示，国内一线城市中房价收入比符合10倍比例的物业并不多，如在北京，六环以内，已经无法找到这种类型的新房，而在上海，只有到郊环附近甚至更远的地方才能找到。

Of course，In reality the housing price to income ratio high phenomenon exists generally。DE save real estate research director lu Lin said ride，A line in domestic city housing price-income ratio 10 times with proportion of the property is not much，As in Beijing，Within six ring，Cannot find this type of bridal chamber，And in Shanghai，Only to the prairie ring even further near the place to find。

　　中国的房地产市场发展极不平衡，差距巨大。比如在西南地区的中心城市，百万总价却能在市中心便能买到一套大面积三房，在经济水平一般的三四线城市，百万元总价甚至可买别墅。这充分说明，中国楼市存在着巨大的落差，为了能够找到一个参照物来体现出这种差距，我们也选择了百万元的房产。通过对各个不同城市百万元房产的描述，比较不同之处，进一步说明国内楼市存在的价差现象。

China's real estate market development is extremely uneven，Huge gap。For example, in the center of the city in southwest China，Millions of total price but it can in the heart of the city can buy a set of three room large area，In the economic level general three or four line city，One million yuan price even buy villa。This fully shows，China property market is a big head，In order to be able to find a reference to reflect the gap，We also chose one million yuan real estate。Through the different city one million yuan real estate description，Compare the difference，Further illustrate the domestic market price of the existing phenomenon。

　　通过分析可以发现，在一些城市过高的房价已超过了居民的承受能力，这也充分说明，当前坚持调控是十分有必要的。在目前房价尚未真正回归合理水平的情况下，本刊认为应坚持调控不放松，如果无法达到预期效果，还需要适当加大调控力度。

Through the analysis can be found，In some cities too high housing prices have more than the residents capacity，It also shows，The current adhere to the regulation is very necessary。In the current price has not yet really return to a reasonable level of cases，We think that we should adhere to the regulation not relax，If you cannot achieve expected effect，Still need to appropriately enlarging the control power。

　　能去异地购房吗 Can buy to land

　　许多读者阅读了上期报道之后，也对异地购房表现出了浓厚的兴趣。然而从目前的市场环境看，异地购房仍然存在着不少风险，购房者应谨慎对待。

Many readers read the prior period after reports，Also the different shown great interest。However, from the current market environment to see，There are still many different purchase risk，The person that buy a house should be treated with caution。

　　首先是限购，目前除了重庆和拉萨，所有的重点城市均属于限购之列，比如北京、上海、深圳等。此外，因为投资、投机性需求成分较重的城市，如温州、三亚等城市，也属于限购行列。在上一期报道中，本刊所选择的城市中，也有不少是限购城市，包括北京、天津、石家庄、上海、杭州、南京、广州、深圳、武汉、成都、贵阳、厦门、西安和沈阳等。

The first is restricted，At present in addition to chongqing and Lhasa，All the major cities all belong to the list of purchasing，For example Beijing、Shanghai、shenzhen。In addition，Because investment、The speculative demand composition heavier city，Such as wenzhou、Sanya city such as，Also belong to be restricted ranks。In the last issue reports，The choice of the city，There are many city is restricted，Including Beijing、tianjin、shijiazhuang、Shanghai、hangzhou、nanjing、guangzhou、shenzhen、wuhan、chengdu、guiyang、xiamen、Xian and shenyang, etc。

　　对于这种情况，本刊在此提醒，不能盲目去异地购房，否则会遭受一定的风险。有不少人为了能够达到异地置业的目的，不惜“打擦边球”冒险，比如以他人名义购房，或者办理假纳税证明等，这些做法都是不可取的。

For this kind of situation，This newspaper in this remind，Can't blind to land purchase，Otherwise you will suffer from a certain risk。There are many people in order to be able to achieve the purpose of the different real estate，at“Play edge ball”adventure，Such as the name of others，Or deal with false tax certificate, etc，These practices are not desirable。

　　其次对于那些真正有在异地置业想法的购房者来说，也必须根据自身工作、生活的需要出发来做决定。比如有部分人准备离开自己工作的城市，返回家乡城市发展。那么，这要求他们先解决好工作，有了稳定收入来源之后，再考虑置业。

Secondly for those who have truly in a foreign real estate idea for the person that buy a house，Must also be according to their own work、Life need to head to make a decision。For example, there are some people ready to leave their work of the city，To return home city development。so，This requires them to solve good job，Have a stable source of income later，To consider the real estate。

　　还有哪些关注点 What concerns

　　还有读者问到，除了文章中提到的22个城市之外，是否还有其他的城市也可以关注。

There are readers asked，In addition to the article mentioned 22 outside the city，Whether there are other cities also can focus on。

　　在此前的报道中，由于篇幅有限，本刊只是选择包括北京、上海在内的22个城市作为考察目标城市。其实，在国内，还可以选择更多的样本城市来进行考察，比如宜居城市、边陲城市、旅游度假城市等等。

In previous reports，Due to limited space，We just choose including Beijing、Shanghai, the 22 cities as investigation target city。In fact，In the domestic，Still can choose more sample city to carry out investigation，Such as livable city、Border city、Tourism resort city, etc。

　　重庆是一个不得不提的城市。它的区位很特殊，极有可能成为西南经济提速的增长极。重庆的核心区域为解放碑商圈，周边新开发楼盘售价达到了1.8万元/平方米左右。随着重庆交通设施的完善，外围区域目前售价在6500～8500元/平方米之间的地铁房，其实更加值得关注。

Chongqing is a must carry city。Its location is very special，Very likely to speed the southwest economic growth pole。The core area of chongqing jiangbei for business circle，Surrounding the new development building price reached 18000 yuan/square metre。As chongqing improvement of transportation facilities，Peripheral area at present price in 6500 ~ 8500 yuan/square meters between the subway room，In fact more worthy of attention。

　　在宜居城市中，昆明无疑是一个不错的样本。在昆明市中心，现阶段售价主要在1.2万～1.5万元/平方米左右，以这样的价格来看，市中心百万总价的新房可以是80平方米的两房。外围区域售价在6500～8500元/平方米之间，百万总价可以买到大面积的三房。

In the livable city，Kunming is undoubtedly a good sample。In the center of kunming，The price at this stage mainly in 12000 ~ 15000 yuan/square metre，See at this price，A city of the total value of the bridal chamber can be 80 square meters of two rooms。Peripheral area price in 6500 ~ 8500 yuan/square meters between，Millions of total price to buy a large area of three rooms。

　　边陲城市中，乌鲁木齐也很有代表性。目前乌鲁木齐中心区区域的新盘售价主要集中在7500～10000元/平方米之间，因此百万总价还能买到120平方米左右的三房。外围区域新房售价在5000～6500元/平方米之间，因此除了可以选择大面积三房外，如160平方米的大三房，还可以选择近200平方米的复式公寓。

Border city，Urumqi is also very representative。At present center area of urumqi XinPan price mainly concentrated in the 7500 ~ 10000 yuan/square meters between，So a total price can also buy to 120 square metre three room。Peripheral region in the new house price 5000-6500 yuan/square meters between，So in addition to choose three large area outside the room，Such as junior room of 160 square meters，Still can choose nearly 200 square meters of compound apartment。

　　旅游度假型城市，其实一直受购房者关注，三亚就是这样一个比较典型的城市。三亚一直为旅游度假胜地，加之国内部分来自东北、西北地区人士选择在三亚过冬，过热的需求带动房价不断上涨，分布在中心区域的新盘价格普遍在2万～3万元/平方米之间，可见在三亚市中心区域，百万总价的物业其实只能选择面积在40平方米左右的一室一厅户型。当然，远离海湾的项目售价要低一些，售价就在1.2万～1.5万元，可以买到60～80平方米的一房或两房。

DuJiaXing tourism city，In fact has been affected by the person that buy a house attention，Sanya is such a more typical city。Sanya has been for tourism holiday resort，Together with the domestic part of the northeast、Northwest people choose the winter in sanya，Overheating demand driving rising house prices，Located in the central region of common XinPan price in 20000 ~ 30000 yuan/square meters between，Visible in the center area of sanya，Millions of the total value of the property in fact can only choose area in 40 square metre of one family。Of course，Away from the gulf project price to lower，The price is in 12000 ~ 15000 yuan，Can buy to 60 ~ 80 square meters of a room or two rooms。

　　青岛是一个旅游城市。市中心区域的房价在1.8万～2.5万元之间，只能买到一室一厅的小户型。靠近海边的物业更贵，基本在3万～4.5万元，百万小户型并不多见。当然，在李沧区还是能够找到售价在8000元/平方米左右的公寓，100万元可以买到120平方米的三房。

Qingdao is a tourist city。Downtown area home prices in 18000-25000 yuan between，One can only buy the small family。Close to the seaside property more expensive，Basic in 30000 ~ 45000 yuan，A small family does not see more。Of course，In LiCangOu or to find the price is in 8000 yuan/square metre apartment，1 million yuan to buy 120 square meters of three rooms。

　　温州则是另外一个极端情况。充沛的民资，直接而有力地推高了当地的房价。市中心区域售价超过3万元/平方米的项目比比皆是，除了小面积二手房之外，基本难寻百万住房。单价在万元以下的物业，只能到远离市区的龙湾永中等地，还能买到130平方米的三房。

Wenzhou is another extreme。Abundant what，Direct and effectively push up the local house prices。Downtown area for more than 30000 yuan/square metre project can be found everywhere，In addition to small area outside of second-hand housing，Basic is hard to find a housing。The unit price is in ten thousand yuan of the following property，Only to far away from the city longwan wing medium ground，Still can buy 130 square meters of three rooms。