In recent years, the economic situation is not good, many people's jobs are not guaranteed, and there are many cases of house supply interruption.
Here is a real case from Guangzhou.
A netizen revealed that a friend bought a suite in Haizhu, Guangzhou in 2019, when the house price was relatively high. The total price was 4.5 million yuan, the down payment was 1.5 million yuan, the loan was 3 million yuan, the interest rate was 5.88%, and the monthly payment was 17755 yuan.
The friend's family is engaged in home decoration business, but after the epidemic, business is becoming more and more difficult. Since there is no stable cash flow, we have to cut off the supply.
When the debt was cut off, the friend paid back almost 650000 yuan of loan, while the principal only accounted for 140000 yuan, and the other 500000 yuan was almost all interest paid.
At this time, the friend owed the bank almost 2.86 million yuan.
What can we do if we can't afford it? Supply can only be cut off.
In this way, half a year after the supply failure. The bank not only sealed up his house, but also made him pay 59000 yuan, including default interest, attorney fees, case litigation fees and property preservation fees.
Later, the court informed that the auction evaluation price of the house was 3.1 million yuan, and it should be calculated at a discount of 70%.
In this way, the friend was ready to cry. If his house is auctioned off, his previous monthly payments will not only be wasted, but also he will owe the bank 1 million yuan, losing nearly 2 million yuan.
This is the price of disconnection.
The interruption of supply does not mean that the house can be abandoned. If the house auction price is not enough to offset the loan owed to the bank, then the bank will not let you go.
This is really sad.
Therefore, some netizens pointed out that this is not a mortgage at all. A mortgage is something that has been mortgaged and cannot be paid back. The mortgage does not belong to me and I do not owe the lender.
Our banks obviously do not operate in this way. They are called mortgage loans in name, but they also use the means of credit loans. So, "How come hooligans?"
Another netizen was glad that the property market had dived, otherwise the receiver would have died more tragically.
The real estate market has indeed plunged. The current real estate market is different from the past. It is said that some local governments have begun to directly intervene in the inventory.
How does the government operate?
Buy the developer's inventory house as a talent apartment at a low price, and then package it to urban investment, which will then use the asset as collateral, issue bonds to repay the government, and the government will go to the market to buy a house, so as to form a closed loop and drag down the house price.
Can this be done?
Some netizens pointed out bluntly that they didn't get the job, but who did they rent it to? This will only lead to a decrease in the overall rent, and the house has no investment attribute. There are few people willing to buy a house.
Therefore, improving the employment rate and employment quality is the most important.
How easy is it to improve the employment rate and employment quality? Local governments do not want to?
However, the general environment like this cannot be changed at once.
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