Buy a house to suit your ability

200,000 people cut off supply? In 2022, a crisis is spreading!

Since the beginning of the year, the supply of homeowners has been cut off, the number of judicial auction houses has soared, the wave of layoffs, the tide of unemployment... Messages keep coming.

Recently, Weibo and Xiaohongshu on a property owner bought a Yan suburban house, because they could not afford to pay off the mortgage and chose to cut off the supply of the incident screen: 426w bought a house, now only worth 235w, the book lost 191w. In addition, 64w of interest was paid, and the proceeds of 128w down payment for more than 4 years were at least 15w, for a total loss of 270w.

The mortgage was not paid and chose to cut off the supply, originally thinking that it would lie flat. This is not the case, not only their own credit problems, but also bear a large amount of costs.

However, the 35-year-old supply-cutting owner is not alone. This data may still be surging.

Yesterday, there were two screenshots swiping the screen:

1. Professor Han Fuling of the School of Finance of the Central University of Finance and Economics posted this paragraph on Weibo: "At the beginning of 2022, the four major banks have sued 200,000 supply owners."

2. Many people on Weibo forwarded [but the data has no reliable source]

China's real estate has finally ushered in a wave of supply cuts

China Merchants Bank sued 576 people in December and 89,000 mortgage defaulters this month

Minsheng Bank sued 37 people in December and 23,000 people this month for defaulting on mortgage loans

Bank of Shanghai sued 586 people in December and 8,161 mortgage defaulters this month

Industrial Bank sued 651 people in December and 73,000 mortgage defaulters this month

For a time, the topic of the homeowner's mortgage supply was pushed to a climax.

At the moment of the epidemic, the economic form is not good, and the high-leverage house is finally going to thunder? There is no reliable source for the above two data, but in a bunch of comments, we can find that these have resonated with a bunch of out-of-supply owners or owners with mortgage difficulties:

@ Flounder Beijing Fenyu: I am already, at that time 2.3 million to buy a community in Yanjiao, loan 1.3 million, more than 1 year. The supply sue auctioned 1.01 million, lost the down payment and tax intermediary fees and the 100,000 yuan returned to it, a total of 1.5 million, and now the house is gone, and it still owes 260,000 to the bank, and the intermediate litigation fees have been executed 20,000, alas, of course, consumption has been restricted. (Some commentators pointed out that the equivalent of spending 1.5 million to rent a house for a year is too dark)

@Honey mashed potatoes: Remembering what others said, everyone thinks that they are camel Shoko, and if they try to pull a car, they can buy their own car, and they can live the life they want, [sad] life is too difficult

@ Taiwan grilled sausage a piece of five or two: at the end of last year in Shanghai on the car, a month also 2.5, relying on the provident fund to survive this year, next year does not know how it is, the industry is not very prosperous, according to the normal salary increase to cover the mortgage is no problem, but the epidemic affected the entire income of each month plus the provident fund is just enough to repay the loan, sad to die.

@I'm fried noodles with octopus: don't add leverage! The era of buying a house and getting rich has passed, the epidemic will not end in the short term, and the economy can only get worse and worse in the future! Keep your cash flow in hand!

@ Love Summer Show: Can't sleep, the more you look at it, the more anxious you are

@ Miss Qingfeng: When I bought a house, I estimated how much principal and repayment ability I have now, and I didn't consider that I might raise my salary in the future, but the house I bought was not good, or commercial and residential, and I also fell a lot, but fortunately I just needed it and lived by myself

@Sprite Sprite Sprite and Mei Nianda: Yanjiao, which cost 1.1 million yuan to buy, is now cut to 550,000. I haven't lived for two days, and I broke my heart for this broken house.

@ Drill in the eyes of the money of the little boss: 32 years old, but also a loan of 3 million, monthly payment of 18,000, this is still a down payment of 50%. On the front line, it seems that it is normal to pay about 20,000 a month. But I am really afraid that the income will be reduced due to changes, and I will have to repay the loan and raise a baby, and all kinds of expenses. Fortunately, there is still a set of repayment loans, really there is a problem, and there is no pressure to sell it. The husband also wants to sell on the greater leverage to buy another, and resolutely does not do it. When the income is good, I feel that my hands are coming, and when things go wrong, my eyes are black

How terrible are the consequences of a supply cut: Do you still dare to cut it off?

However, for a large group of people who want to lie flat or say "big deal to cut off", the consequences of easy choice of supply cut are very terrible.

Before the supply is cut off, the homeowner may still pay the interest on the bank loan every month; if the supply is cut off, it will also be because of the judgment, the interest, penalty interest, case acceptance fee, preservation fee, and the bank's entrusted prosecution lawyer fee. Even if he could appeal, he would have to pay a fee and it would be difficult to change his sentence.

If you play tricks, the bank will apply to freeze all the property under your name, cars, houses, deposits, all of which will be used to pay off debts. Moreover, from then on, the homeowner will be included in the list of untrustworthy people. That is, Lao Lai, if you want to take the plane high-speed rail in the future, high consumption will be restricted.

Some netizens sorted out a more detailed content:

1, the house will be auctioned by the bank at a low price, after the auction, if it is not enough to repay the principal and interest of the bank's loan, the bank has the right to collect debts from you

2. All kinds of expenses such as down payment, monthly payment, deed tax, maintenance fund, decoration fee, etc. have all been adrift

3. The court's enforcement costs, as well as lawyers' fees, litigation fees, preservation fees and other expenses, also need to be borne by the person who cut off the supply

4, personal credit will be hit hard, basically the bank's black account

In recent years, especially in the first two years, whether it is a person with a good capital account, or even a customer who just needs it, they have held the concept of "self-occupation + investment" to buy a house, and investment psychology has become the consensus of buyers. However, the fact is that the property market is down, and not all houses can "make money". Previously, a group of people who bought houses with super leverage were especially powerless in the tide of this moment.

Of course, this situation is not only the downturn of the property market. The transformation of economic forms, the closure of most enterprises, the layoffs of employees' salary cuts, and often did not think of this in the previous few years when the scenery was good.

Some netizens commented that we always thought we could live to be eighty or ninety years old, and the reality may be fifty or sixty years old. No one can think of the future form, turning better, the property market may pick up, turn bad, everyone can only follow the economic situation with the tide.

However, it is worth mentioning that "the dangerous behavior of over-leveraging, feeling that the gambling property market must make money", whether in the past few years or in the future, is not advisable. Those who are "big deals" are basically in these states.

In 4 years, the number of legal auction houses increased by 186 times?

Since the beginning of this year, there has been more and more news about the legal auction house.

Recently, we have spoken a lot about the legal auction houses since the media, and some of them are lower than the market expectations, especially some previously popular real estate or school district houses, which have received the attention of a group of netizens.

At the same time, I also noticed that there are nearly 1.72 million residential houses on the current judicial auction network. And some netizens listed the data to show that in 4 years, the number of legal auction houses increased by 186 times!

In 2017, the number of legal auction houses was 9,000 units;

In 2018, the number was 20,000 sets;

In 2019, the number was 500,000 units;

In 2020, the number is more than 1.2 million sets;

In 2021, as of mid-December, there were more than 1.68 million units.

In the middle of December last year, some institutional data showed that the total number of judicial auction houses in 31 provinces and cities across the country exceeded 1.6 million units, setting a record high!

Among them, Jiangsu Province ranked first with 209,900 units, Zhejiang ranked second with 179,300 units, and Henan, Guangdong and Shandong ranked third, fourth and fifth respectively.

However, regarding the data of the legal auction house, there are also objections in the industry: after all, the legal auction house has been implemented very early, and the judicial auction website has begun to be widely used and disseminated in recent years. Among the data, there are previous housing fill data, not only recent additions.

However, we also have to see that there are indeed many people who are unable to repay loans, resulting in a surge in the number of legal auction houses, and buying a house still needs to be done according to their ability!