Houses are for living, but there are some people who are wantonly speculating in real estate, and even some ordinary people who don't have much money have joined in, so how can housing prices keep rising? Those who take over at a high level eventually trap those speculators, and they can't repay them with millions of loans, and they can't even keep their original houses, and these people are not worthy of pity.
On December 29th, a man in Guangdong "speculation in crisis" caused heated discussions, the man in order to make money from speculation, did not hesitate to spend 6 million to win a house, but the house price fell, the man's house was sold at half price and no one bought it, and he could not repay the loan and be sued, and even his own housing may not be guaranteed.
In November 2020, the man bought a Vanke 96-square-meter house in Songshan Lake, Dongguan, which cost 5.726 million yuan, plus more than 6 million taxes and fees.
Housing prices have continued to fall since then, when this house was robbed by several people, the man spent the highest price to grab it, but did not earn a penny, but directly smashed his hand, a month's loan is better than 10,000, as the house price continues to fall, the man can only be listed for sale, but still no one buys.
The price of the house has dropped all the way to 2.8 million, which is already a halving price, but it still can't be sold, after all, the investment is too hot, and after returning to the actual demand, no one is willing to take money to help others untie the set, the man has stopped repaying the loan half a year ago, because there is really no money, the bank has been urging to repay the monthly payment, and threatened to sue him otherwise.
Now that the man's mortgage contract has been breached, the bank will auction the man's property, if the auction price is lower than the loan that the man owes to the bank, the bank will sue the man, and the man's existing house may not be able to be kept, the auction must be less than 2.8 million, and the man repaid the loan in 3 years and owed the bank millions, because the previous repayment was all interest, and the principal was not repaid.
For the community where the man speculated the house, the transaction price of the 96-square-meter house was about 3 million, which fell too much compared to the highest price, so the man has no possibility of turning the table, but now the bank appraisal price of the housing in this community is 3.8 million, and the house for sale is about 3 million, that is, you can buy a house with 0 down payment.
But who dares to buy a house now? Speculating on the house has lost all its money, and there is a demand for it definitely not to buy in this kind of place, even if it is bought, it will continue to wait and see, and when the house price continues to decline, when the house can be purchased with 0 down payment, you can see how exaggerated this market is, some people can't sell it for nothing, no one wants it, after all, the bank's mortgage is much higher than the house price.
The result of speculating tenants is not worthy of sympathy, after all, this is a speculative behavior, is an accomplice to the speculation of housing prices, so that many people can't afford to buy a house, there is also a share of the man, and now bankruptcy is also deserved, as ordinary people are going to speculate on houses, I can't recognize how many pounds and taels I have, if I can't even keep the original house, it's really self-inflicted.
Personally, I believe that if you want to grasp the gaps in the property market and maintain and increase the value of your real estate by holding it, so as to achieve the purpose of investment, this kind of thing is likely to be difficult to achieve in the past five years.
In 2017, there are rumors in the whole society that housing prices are rising, buying and holding at a high level, and not selling in the short term, which is destined to be a high sentry. Because the market cycle is divided into: boom stage, recession stage, depression stage, recovery stage, this kind of short-term investment in second-hand housing, in the market economy is improving, housing prices are rising, can indeed make a lot of money.
In the process of rising housing prices, people who buy houses are often not rational enough, and psychological changes are more reflected in whether they can buy a house and whether they will not be able to afford it in the future. And don't care about some of the shortcomings of the house, and don't care if the house price will plummet. Of course, there are also a small number of groups who have been looking at houses for 3-5 years and are still waiting.
The more houses there are, the wider the range of options you can choose from, and after comparing many aspects, you also need to consider the price factor. Buyers tend to think rationally, pay more attention to the advantages and disadvantages of the house, and become more picky in layman's terms.
The cost of buying a house is very high, in addition to the deed tax, individual income tax, and intermediary fees, if it is sold before two years, the business tax will be increased, and the tax will be 100,000 yuan for a house according to the calculation of 2 million houses. Even if you have to bear the high cost, you will also face the risk of falling housing prices, which is a hard cost.
Holding for a long period of time is more valuable than selling at a reduced price
Nowadays, many owners are worried that the price of housing will fall, and they have put their houses up for sale, but they are unwilling to adjust the price. Rather than being used as an object of reference, it is better to hold, and now is not the time to sell a house.
You must know that the properties that can be transacted now must be at a price that exceeds the buyer's psychological expectations, otherwise the buyer can continue to wait. Reducing prices is the only way to sell your home, and there are always some owners who are forced to sell their homes for cash due to financial needs.
For owners who are not in a hurry, do not need, and are uncertain, the possibility of selling a house at a reduced price is relatively low, and since it is difficult to make a deal, it is better to hold it for a long time. The real estate development cycle is moving from a recession to a depression, a recovery in 5 years, and a boom in 10 years.
My personal opinion is only one point: buying a house at this stage is an opportunity point, and the demand for living is long-term, and the house will be held for more than 5 to 10 years, and there will be no loss.
In 2023, the central mother will release water, and there will be water release in 2024, and price depreciation is the inevitable result of the current market.
For the current and future real estate trends, it has begun to gradually stabilize, and it is a good opportunity to buy a house in the market as a rigid need. If you use investment, it is better to consider it carefully in recent years.