Recently, at the meal of a group of middle-aged people, I heard a sensational news: in 2021, the national legal auction of 1.68 million sets of houses, more and more people abandon the supply of houses, the tide of supply cuts really came, in 2022, the wisest thing is to tighten your pockets, do not start a business, do not buy a house, do not invest, downgrade consumption...
Listening to this unreliable remark, just when I was about to shoot the case, the old king at the same table shouted angrily, "Is there any relationship between the law auction room and the supply interruption?" ”
≠ the supply of the french auction house? Listen to what Lao Wang has to say!
"Listen, the next time who is telling you about the auction and the interruption of the supply tide, you will directly take my words to scare them!" After "tons" a cup of Coke, Lao Wang stabilized his mood and began the "expert forum" model.
How did the Legal Auction House come about? There are probably 4 reasons:
1, entrepreneurship failure accounted for about 40%, since the outbreak of the epidemic, the global economic environment under the environment, investment and entrepreneurship difficulty have increased, the capital chain needs to be through the auction of real estate to repay the debt of a large number of people, this is not only the flat-headed people, housing enterprises have recently been "buying assets".
2, then the second kind is a bit of a pit, that is, to make a guarantee for others. When the market is good, the two brothers do some business together, you borrow money as a guarantee, and the business failure can only take your property to pay off the debt, so whether it is a business partner or relatives and friends, do not easily give people a guarantee. This seemingly reliable "investment" can be much riskier than imagined.
3, this is very common, probably unemployment, loans and the like, did not do a good job of capital planning, there is a problem of funds, need to take the house to repay the debt, supply is a small part of this type of situation, small loans, credit card cash-out and other "private" financial organizations also account for a considerable proportion.
4. There is also judicial confiscation, unowned property, and so on.
To sum up, the interruption of confession is not the main reason for the surge in legal auction houses, and the improvement of the efficiency of judicial organs in handling cases is also one of the reasons for the surge in the number of legal auction houses.
Can't afford it? It's not time to stop supply!
Lao Wang said this, there is nothing wrong with it, the legal auction house and the supply cut is not a direct causal relationship, but then again, as a real estate media person, every day to contact a large number of buyers, real estate practitioners, people who can not afford to repay the loan are really not a minority, but even if they can not afford to cut off the supply, let's talk about why.
Images are from the web
This case, I believe everyone has seen it, maybe you first looked at it with a smile and came over, because after the supply cut, the house has no down payment, it is not the worst result, the most ridiculous is to have to make up another amount of money. It is indeed a bit ridiculous, but if you have this money, how good is it to repay the loan, why should it be cut off?
In the end, when it comes to borrowing, there is no such consequence. In the past 20 years, if you want to say which country in the world loves to buy a house, I believe that Chinese is not the first, but also the second. But everyone who has money or no money in his hand wants to buy a house. Wealth free to buy a villa large flat, the middle class to buy a school district house, just need to get on the car to start at 100 square meters, and then do not go back to the hometown to buy a set.
As a result, the entire supply and demand market is unbalanced, in addition to the house prices in 2008, 2011, 2014 there have been a slight correction, other years house prices have been rising, buying a house can make money, buying a house first on the car is not this price, has become the consensus of the whole people. But we forget that the house is a commodity after all, can increase the price can reduce the price, in 2021, under the influence of many aspects, Shenyang house prices as a whole declined, so some people have the idea of supply cuts, some people use the data of the increase in the law to create panic.
The ancients said that people have no far-reaching worries, and since they originally thought of "lying up" and took a hasty loan to buy a house, they can no longer rush to cut off supply at the moment. If you can't afford to bite your teeth, the sky has not yet fallen, the real supply shortage is coming, at least we can feel it - are there many people around who have begun to pay off their mortgages? Taken over by the bank?
There are no two people around me to cut off the supply, so why cut off the supply tide? So, don't panic! Eat and chat with the old king next door, everything is understood!