2021, has passed, for many young people, after the eighties, after the nineties, especially after the eighties, can be said to be the most painful year, the epidemic, being laid off, unemployment, salary cuts, three children, monthly payment, house prices fell ... ... made some of the eighties, have begun to doubt life, reform and opening up smoothly developed, but many things have been caught up by the eighties, a mountain after a mountain, are on the shoulders of the eighties.
In 2021, many people feel a lot of pressure, many people are facing painful choices, of which the biggest choice, the most profound impact is that some people, decided to give up the monthly payment, give up the house they bought, that is, cut off the supply.
Ah, many people think it is incredible, why is it difficult to buy a house, don't do it, after all, the down payment has been paid, the monthly payment has been provided for many years, why give up on giving up.
What The gossip sister wants to say to you is that it is too right, the down payment has also been paid, the monthly payment has also been provided for many years, which can be these costs, and some people have found that the market value of the house price has fallen far below the remaining property amount, not to mention the interest.
What does it mean, that gossip sister told you a set of data, maybe you will understand.
Suppose, a few years ago, you bought a house of more than 90 square meters for 2 million, with a down payment of 30%, and the rest was used as a loan, that is, there were still 1.4 million according to the loan, with a term of 30 years. The total cost is more than 2 million, which needs to be returned to the bank.
At the beginning, you are still very happy, after all, you have your own nest, the so-called gold nest and silver nest, not as good as your own kennel, after all, it is your own home, so you carefully decorate, full of joy, and then return to the bank according to the monthly fixed amount.
However, in 2021, you suddenly find that the price of your house has plummeted, to what extent, it has fallen to less than 1 million, what does it mean, in recent years, you have paid the bank's monthly payment in vain, you have paid the down payment, the white ride, but also owes the bank a large amount of foreign debt.
Oh God, buy another set, you can't spend so much, what's going on?
So, in 2021, for the first time, and a lot of people are involved in the discussion, a new word: cut off supply.
As the name suggests, no longer give the bank a loan to buy a house, stop the monthly payment, give up the house, but it is easy to cut off the supply, but can the supply cut really solve the problem?
Bagua sister is also after the eighties, seeing such news, gossip sister is also very sad, will also be sad, yes, such news, such things, in 2021 a lot.
I don't know if this is true, after all, it is a family of three, and only then can we afford to buy a house. The father's parents, the woman's parents, the male and female families, the mouth of three families.
Here, the gossip sister explains that we do not talk about those who have a strong family background, and that part is not discussed.
In 2021, the real estate industry is not very good, and house prices in many places have plummeted off a cliff, which has led to some people who just need it, which cannot be afforded.
In 2022, as far as the current national economic transformation and social development adjustment are concerned, Bagua Sister can predict that the real estate industry may not be so good, but one thing can be confirmed, that is, the house is used to live, not to speculate, which we must bear in mind.
In keeping this in mind, a question follows, that is, what to do with those who just need it? Do you want to buy a house? Do you want to cut off the supply? Facing so much pressure? For example, do you want to have a third child? Or a second child?
Gossip sister here to remind: whether it is to have a child, other pressures, our most important thing is to recognize: who am I? What can I do?
You don't even have 100 yuan, if you have to eat the whole table, it will definitely not work.
Buying a house, we must also do a good analysis, what kind of place? What price? What kind of trend? How much do you earn? What about your current savings? Can you resist stress?
For the interruption of supply, especially for some people at present, Bagua Sister suggests: be cautious and cautious, do not look at some people on some short videos, say dashingly, say that the supply is broken, that is not necessarily true, after all, people in the network are separated by a layer of screen!
Moreover, we are also facing legal risks in cutting off supply, remember, remember.
Finally, as a post-80s generation, we still need to give encouragement to the majority of post-80s: work hard, endure and lie dormant, and move forward strongly. Then have a glass of wine and shout: Let the storm come more violently!