Keep the property market stable and guard against the emergence of abandoned houses without supply
(By Ma Yuecheng)
Recently, some buyers said that they suddenly felt unbearable. However, many people in many places said that the house price did not fall. With more people buying houses, where did the house price fall? For people in these places, it is really necessary to think carefully, take precautions and learn from the experience and lessons of other regions. The man who doesn't want to be full doesn't know that the man who is hungry is hungry. Those who take orders at a high position suddenly feel unbearable in the face of the sharp decline in housing prices.
Some time ago, it was said that a northeast elder sister in Yanjiao who bought a house in Yanjiao was at a loss in the face of more than 10000 income and more than 50000 housing loans. She asked for help everywhere, and no one relieved her worries.
Recently, an article entitled "The house loan is out of supply! One million yuan is wasted! The house is gone..." also broke the circle of friends. Mr. A has been unemployed since July 2018. Previously, he was a super trainer with an average monthly income of more than 200000 yuan. The most direct impact of unemployment on Mr. A is that he has lost the most reliable source of income to repay the four new housing loans under his name. The four houses he invested in used various forms of loans, with a total of more than 11 million loans, including principal and interest, and an average monthly repayment of about 100000 yuan.
With no hope of selling the property under his name and no news of his new job, Mr. A chose to "cut off the supply" of a new house he bought in Anhui, and also made preparations for "cutting off the supply" of the new house he bought in Shandong.
A few months ago, it was reported from Hefei that due to the poor economic situation, there have been several cases of overdue payments due to customers' inability to bear excessive monthly payments. Generally speaking, the speculators have multiple suites and high school serial housing schemes. They need to get loans for several houses every month, and use the house and income to increase leverage. Therefore, the capital chain has been strained.
However, for speculators, especially those who have been trapped by high positions. The biggest problem is not only the problem of repayment of the loan, but also the problem of not selling the house in hand. Even if the speculators cut the listing price by 12 million yuan, they may still face the embarrassment of no one's interest.
A few days ago, there was a news in the circle of friends that they were looking for a receiver. It was that as long as they were responsible for the future mortgage, they could transfer the house to you. The purpose of speculating tenants was not to let their credit records be tainted. The main purpose was to facilitate future speculations. In this way, he lost not only the down payment, but also a year's monthly payment. Even so, someone has calculated that the house price you paid this month is higher than the current house price. Who can bear the debt for you? In addition, your monthly payment has not been paid, and you can't transfer the ownership! What if you repent when you recover? Does this worry the fired tenants to death? The loss is not only money, but also unbearable psychological pressure.
Recently, the news that a speculator in Zhenjiang, Jiangsu, ran away due to the rupture of the capital chain caused a heated discussion on the Internet. This out of town speculator bought 60 houses from the same intermediary in half a year, 35 of which were unpaid, with a total amount of nearly 6 million yuan. After acquiring each apartment, he took out the mortgage loan to repay other housing loans, and had to repay more than 200000 yuan every month.
Who expected that in the second half of this year, the third and fourth tier cities dropped sharply, and the real estate market in Zhenjiang was affected. No one took the offer of the houses in the hands of speculators, which led to the break of the capital chain over a long period of time, and the news of running away was thus exposed.
Sanya was a hot and soaring city at the end of last year. The house price doubled to 20000 or 30000 yuan, but it was impossible to grab it. This year, the purchase of real estate is restricted all over the country. At present, some real estate speculators have sold at a loss of 500000 yuan, and no one is interested.
It is said that people who used to speculate in Hainan now All of them have gone to Xishuangbanna Super Housing. Will Xishuangbanna be the land for speculators? Last year, I went to Dandong to speculate in real estate. How is it going now? People can't help worrying that there are specific reasons for the rise of house prices in each region, and there are undeniable bright prospects. However, in the end, they can't escape the reality that real estate speculation also has a time of speculation.
Recently, after several games of regulation, there is still no intention of turning back. Developers' financial stress cannot be ignored. Now, news of real estate speculators' mortgage failure is often reported. It is indeed time for people to wake up.
