Buying a house, the sales sentence brought me into the pit, and she came up with an idea to lose the savings of two generations of her family.
My husband teaches students in a training institution and earns about 15,000 yuan a month, and I work as an assistant in the company for 6,000 yuan a month. The combined salary of the two people is more than 20,000, and they plan to have a child and want to buy a suite first.
We look at the house everywhere, look east and west, and fancy a school district house, the life and transportation are very convenient, but the house price is expensive, more than 30,000 square meters.
The salesman saw that we looked at it again and again but did not buy it for a long time, and told us that the lot of this house is good and will rise, and the small three rooms are in demand, and there are only a few sets left.
My husband said that the house price was afraid that it would fall, and the sales laughed, "You are not speculating in real estate, you just need to live by yourself, what are you afraid of!."”
I thought about it, and I suddenly had confidence, so I encouraged my husband to book a room quickly.
My husband has always felt that the housing prices are inflated and may fall on the sidelines, but now I am also moved by what I say.
But this three-bedroom 90 square meters, our down payment is not enough, the salesman saw our difficulty, gave us a suggestion: "Find the elderly at home to support it." ”
This made my eyes light up, so I went home and asked my husband to talk to my parents-in-law and mother-in-law, and my parents-in-law immediately took out 400,000 pension savings to us, and there was still some short, so they borrowed 100,000 from relatives, a total of 500,000 to support us.
At that time, we paid 900,000 yuan for the down payment, and the loan was more than 1 million yuan for 30 years, and the monthly loan repayment was more than 6,000.
On the day the contract was signed, my husband and I were very excited, we finally had a room in the city, and the two of us celebrated.
After buying the house, the house price really rose by a few hundred, and we were secretly happy.
Unfortunately, the good times did not last long, and the house price began to go ** after three months.
At first, it fell by a few hundred, and then it has been falling by 11,000, my heart is dripping blood, and now the house price is only 20,000 square meters, and I have lost all my parents-in-law and our savings in just one year.
That's not all, we have been providing for more than a year, and we have also paid more than 70,000 yuan, but in fact, the principal has only been repaid more than 10,000 yuan, and the rest is all interest, and I feel that I have been working for the bank.
This year's decoration, no living, on the first to pay a few thousand property fees, thousands of water and electricity bills, the most pitiful thing is that there are additional community value-added service fees a year to a thousand, seven, seven, eighty-eight add up to more than 10,000.
I never imagined that the house leak happened to rain overnight, and my husband's work had problems.
The country's double reduction policy does not allow students to make up classes outside of school, and their student source has plummeted, and his income has dropped from 15,000 to more than 6,000, and I have been laid off because of the company's poor efficiency.
After paying the mortgage every month, we were stretched thin, and the two of us couldn't get by.
My parents-in-law gave us all the money and borrowed 100,000 yuan from relatives and friends, and their monthly pension had to be repaid to relatives, and we couldn't ask them anymore.
My parents are from the countryside and don't have much savings, so they borrowed 50,000 yuan from us when we renovated our house, and now we can't talk about it again.
My husband and I had no choice but to apply for two credit cards each, tear down the east wall and make up the west wall to cope with the repayment pressure.
But we didn't know exactly how much we owed, and we often couldn't sleep all night, staring at the ceiling with our eyes open.
I thought that I would finally be able to take root in a big city, have a big house with a good salary, make my family proud, and live up to my parents' expectations for many years.
However, reality slapped us in the face. Buying a home not only depleted two generations of savings, but also put a heavy financial burden on us. Nowadays, the job is not good, and the future is worrying.
My husband was so worried that he had a lot of gray hair, and I was so anxious that my hair fell straight out.
I applied my resume everywhere to find a job, and it took me two months to find a job with a monthly salary of 4000, and after a few days of joy, I found out that I was pregnant, and I don't know how long I can do this job.
Because of the pressure, my husband wanted to sell the house, but we didn't dare to tell the parents on both sides about it, for fear that they wouldn't be able to stand the blow after hearing it.
But now in this situation, keep the house for ourselves, we can't afford it, in addition to the mortgage every month, we have to pay the property fee, and the money comes from
It feels like life is overwhelming us, do you have a mortgage?What should we do in a situation like ours?
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