In recent months, whether online or offline, everyone's mood is still not very high. The economic development is weak, the residential transaction volume continues to bottom out, and the price reduction of first-hand and second-hand houses is obviously well known, so everyone is asking, why is it more difficult than the epidemic for three years?
However, what we must face is that the fluctuation of the property market is a normal thing, even if it is two or three years, from the perspective of the development of the entire property market in the past, it is only a matter of a snap of a finger.
The reason why many people feel long and endless now is because the slightly pessimistic mood has further amplified the original time span, so that some netizens often doubt themselves, should I sell the house I bought in 2021?
.01
Not everyone who bought a home in 2021 lost money
However, the probability of losing money when buying a second-hand house is on the high side
Let's correct a misunderstanding first, not everyone who buys a house in 2021 is losing money. First of all, I have to admit that if you buy a second-hand house in 2021, then the probability of loss is on the high side.
Just like Xiaobian's friend, some time ago she finally threw out the second-hand house she bought in 2021, although she didn't make any money to pay interest and lost some intermediary fees, but at least she didn't cut the meat. However, some landlords who are eager to sell or are willing to reduce the price may face big losses.
But I have to admit that at least some of the second-hand houses can still basically maintain the price. From the market point of view, these second-hand houses are generally located in the city center, or high-quality sub-new houses in the core sector, with excellent quality, and at least one or several of the location, school district or house type products are absolutely resistant.
For example, the prices of new housing communities such as C&D Yuhu No. 1, Sunac Lanxi Daguan, and Zhengrong Mansion are relatively strong, and if you haven't bought a house yet, or you want to change houses, they are a good reference. If you don't have a budget, make sure to find a property that is similar to them.
Switching to the perspective of first-hand houses, the high point of the transaction price of new houses in Putian in 2021 appeared in the first half of the year, when the market demand in Putian was strong, and the stability of land prices also made the prices of new houses continue to stabilize, especially in the urban area, and the house prices in the first half of the year have basically exceeded 20,000 yuan +/㎡.
Although the price of new houses this year has rebounded compared with the historical peak of 20,000+/㎡, at present, the housing prices in Putian urban area plus hardcover exceed 18,000-20,000 yuan/㎡, even if it is a rough house, the average price is more than 16,000/㎡.
In horizontal comparison, even if you buy at the high level in 2021, we see that the subsequent housing prices are slowly stabilizing after the correction. In addition, differentiation is already a key word in the Putian property market, not to mention different sectors, and different real estate projects in the same sector will come out of completely different housing price trends.
Therefore, if you buy a new house in 2021, the price of the house itself can still be basically maintained. Although the preferential release of major projects has a significant downward performance in the current transaction price, price fluctuations and pullbacks will also be a regular phenomenon in the subsequent property market.
.02
If there is a problem with the house, it is recommended to cut the meat and change the warehouse
The only property and owner-occupancy has nothing to do with you
Let's move on to another topic, if you are unfortunate enough to buy a house at a high point, what should you do now to minimize your losses as much as possible?
In the first case, there is indeed a problem with the house you are buying, either it has no price support and has just risen to a high point with the market, or it is good for planning, but it has overdrawn the house price increase in the next few years.
There are also some people who may have bought the old and the small, and encountered changes in the zoning policy, all in all, their follow-up growth is weak, and holding it in their hands for a day is more pressure. At this time, our advice is to cut the meat, clear the position, and optimize the asset.
Although we have also said that the dawn will come when we "survive the last moment", and there will be a multiplier of the harvest at that time, no one knows exactly when the last moment will be in the current economic environment.
And let's not forget that the differentiation of the property market is not temporary, it is long-term, long-lasting, and deeper. If you have a better use for your asset, why not choose to change positions? Taking advantage of the current policy easing, it is the truth to optimize as soon as possible. And in order to sell as soon as possible, you definitely have to make a certain price reduction.
Some people don't want to make calculations and want to wait for the market to be good before selling at a high price, but correspondingly, when you sell at a high price, it means that the price you buy is not much lower.
However, there are exceptions, that is, this house is your only property, and you only plan to live in it, so to be honest, whether the house price goes up or down, it has nothing to do with you. Since you can't sell it and rent it when the house price rises sharply, there is no need to consider clearing the property and replacing it with another apartment during the bleak property market.
.03
The house is no problem, and it is simply bought at a high point
It is recommended not to sell if there is a self-sustaining value
In the second case, the house you bought itself is fine, but you simply bought it at a high point. In this case, if you feel that the house you are buying has a relatively safe future and has a relatively large margin of value retention, our advice is not to sell.
For example, the location is in the core area, the product power is very good, the product scarcity value attribute is high, and it meets the iterative trend of human settlements demand, etc., these types of houses, Xiaobian feels that they have the value of holding.
Fortunately, at the end of September last year, the stock interest rate in Putian finally fell, and a group of buyers with a "5" interest rate in Putian fell to the "4" prefix, no matter how many basis points you added to the LPR at that time, all of them were reduced to 0 basis points.
There is no doubt that this is a great benefit for the owners of stock houses, in fact, we might as well consider it from another angle, and we can also optimize our own loan structure, such as being able to convert a portfolio loan as much as possible. In addition, if you are really short of funds, you can also consider renting and maintaining loans, which can reduce the pressure of loan repayment to a certain extent.
Finally, I would like to remind you again, don't mess up the supply and throw the house to the bank. At this stage, it is a correction period for the entire market market, and you are not the only one whose house is depreciating, even if you let the bank take back the house for auction after the payment is cut off, you may not be able to auction a higher amount than the market price.
We always say that we want to buy a house at a low price and sell a house at a high price, but after all, most people can't grasp this opportunity. For ordinary families, the pursuit of a better living environment is actually such a "toss-up" process. Even if there are regrets and frustrations in the process of this "tossing", life is indeed getting better and better, isn't it.