Recently, a property owner in Dongguan, Guangdong Province posted on the Internet for help, his house **, now the supply is out, I don't know what to do, and I asked netizens to give a solution.
The specific thing is this, this netizen bought a 96-square-meter house from a developer in Songshan Lake, Dongguan in November 2020, and the house ** is 57260,000 yuan, the average price per square meter is as high as 5960,000 yuan. If you count all kinds of taxes and fees, the total price of the house is more than 6 million, and the unit price has exceeded 60,000 square meters. The down payment alone is as high as 1.76 million yuan (30% down payment ratio), and the loan is close to 4 million yuan, with additional taxes and fees.
Please note that this is Dongguan, not Shenzhen. Although Songshan Lake is relatively close to Shenzhen (only 20 kilometers away), and Huawei has invested heavily in building a campus there, it is Dongguan after all, and it is still not comparable to Shenzhen.
If this house is in Shenzhen, then 60,000 square meters is not expensive, because there are more than 60,000 square meters of houses in Shenzhen.
However, these 20 kilometers are the insurmountable gap in Dongguan's housing prices. Today, even the average price of a house in Shenzhen's Guangming District (20 kilometers away from Songshan Lake) is only 4About 50,000 square meters, how can there be a reason why the housing price of Songshan Lake is not **?
How much is the house price?The netizen said that the current market price is about 2.7 million yuan. I have no savings at home to repay the mortgage, and the payment has been cut off for half a year, and the bank has issued an ultimatum that if I can't repay the loan in time, it will be auctioned. Even if the house will be successfully sold at a price of 2.7 million yuan, then he still owes the bank 1.2 million yuan. Since I still have a house in my name, this house may also be taken away by the bank, and I don't know what to do!
If this house is really sold for 2.7 million yuan, how much money did this netizen lose because of this house?The answer seems to be easy to calculate, that is, 6 million - 2.7 million yuan = 3.3 million yuan. Again, this is the case without interest, and if interest is added, the loss will be even higher. Such a large amount of loss is really a bit miserable. I'm afraid that even the people who buy a house in Yanjiao will be ashamed of themselves.
For this netizen's request for help, other netizens seemed indifferent, because many people thought that he was a speculator who originally wanted to earn the difference in the appreciation of the house, but now he is just in prison, and he can only be described by the word "deserved".
What I want to say is that speculating tenants is hateful, but we don't have to be so mean, what if people are not speculating tenants?It's just that business isn't going well. A real speculator may have 3 or more houses, right?
You must know that a person who dares to borrow nearly 4 million to buy a house is less likely to be a worker, and he is likely to be in business, because the mortgage of 4 million yuan is based on 30 years of equal principal and interest, and the interest rate is 545% calculation (Dongguan first home loan interest rate in November 2020), he needs to repay the loan of 22,586 yuan every month, and the monthly income is at least 30,000 yuan. In fact, few people with an average monthly income of 30,000 yuan dare to put so much pressure on themselves, especially those who work part-timeFor the sake of insurance, people who dare to buy this kind of house have a monthly family income of at least 50,000 yuan. Even in Shenzhen, there are not many people who can earn 50,000 yuan a month.
After the implementation of LPR, the interest rate of 4 million loans may be reduced to 42%, and the monthly payment has also dropped to 19,560 yuan, although it is 3,000 yuan less per month, but for a person who is still nearly 20,000 yuan a month, it is still not too much.
What's more, this netizen still has a house, and that house may also have a loan, if that house also needs to repay about 20,000 yuan every month, the pressure is really too great.
Regarding the fact that the bank took away the house auction and owed the bank 1.2 million yuan, some netizens said that they didn't have so much ability, so why should they buy such an expensive house?
Some netizens also said that this behavior of the bank is unreasonable, because people buy houses and only mortgage their own houses to get loans, if you don't recognize the value of the house at the time, you shouldn't take out so much loans. Now that housing prices have fallen, and the borrower can't afford to pay it back, the bank just takes away the collateral of the debtor, so why make up the money?This is very unreasonable behavior.
I support the transaction model without repayment. Because some people really managed to take out all the money in their 6 wallets to buy a house, but the work was not going well and the income was not enough to pay off the mortgage, so they chose to break the loan. It is already very cruel for the buyer to take the house directly from the bank, and as a result, they will owe the bank a lot of money, doesn't this give them a chance to turn over forever?
I suggest that the bank can imitate the margin model of the transaction, when the house price is **, the bank can let the buyer make up the deposit, if the buyer can not make up the payment, then go through the formal auction procedure, which can not only reduce the risk of loss of the bank, but also allow some buyers to stop the loss in time.
It's the best of times, but it's also the worst of times, with disruptive innovation and new business models, the whole world is your stage!
In the world of new business, there are no eliminated industries, only enterprises that have been subverted, and now all business competition will focus on "subversion and reconstruction".
A company or a boss is doomed to fail early if it lacks the ability to subvert and restructure.
Remember: there is no imagination without innovation;Without imagination, how can you be competitive;If we want to break through, we must subvert the original business model and reconstruct a new business model!