A residential real estate in Houjie, Dongguan Daily Economic News data map.
On the occasion of the first anniversary of the lifting of the global purchase restriction, the Dongguan property market is "ready to move".
Recently, some netizens shared on social platforms that they bought a 96-square-meter house from a developer in Songshan Lake, Dongguan in November 2020, and spent 572 at that time60,000 yuan, including tax of more than 6 million yuan.
I haven't paid the monthly payment for half a year, and the bank notified me a few days ago to repay the monthly payment, otherwise I will go to court. I have defaulted, I want to auction the house, if I can't repay the loan, I have to sue the house I live in, and I don't know what to do next. ”
He asked for help, saying, "At present, it has fallen to about 2.7 million yuan, even if it is successful, after deducting the down payment of 1.76 million yuan, it still owes the bank about 1.2 million yuan, but there is no surplus food at home, and there is still a set of self-occupied properties. ”
The reporter of "Daily Economic News" tried to contact the netizen on social platforms, but did not receive a reply as of press time.
0 down payment or earn 200,000 down payment?The reporter inquired about the intermediary ** and learned that the project is located in the north of Songshan Lake, divided into the first phase and the second phase, the current first phase of the second-hand houses for sale is 234 sets, the second phase is for sale ** about 50 sets, more on sale, the owner of the house sales pressure. Among them, the first phase of the first phase of the "must-see house" ranked in the forefront, and the listing price of the three-bedroom with an area of 90-97 square meters was 2.78328 million yuan.
In the past 90 days, there have only been 3 sets of ** transactions recorded by the intermediary platform, but the number of views is relatively hot, with more than 250 views in 30 days.
The reporter learned from the intermediary that the transaction price of a set of 96 square meters in the community was 3.15 million yuan. The broker said that ** can only be traded at a very low price, and the price is exchanged for volume, and at the peak, *** here once reached 630,000 square meters.
For the above case, a senior real estate practitioner in Dongguan said in an interview with reporters that it is an individual case, and from the geographical point of view, this project is originally on the edge of Songshan Lake, which is a typical real estate project that is greatly affected by the market. In the past market changes, every time Songshan Lake reduced prices, this plate has had a case.
The reporter also learned in the interview that some intermediaries said that there were double certificates, the historical transaction price was 6.2 million yuan, and now ** is about 3.6 million yuan, but the bank appraisal price can reach 4.75 million yuan, and the down payment can be 3.8 million yuan. In other words, you can earn a down payment of 200,000 yuan after buying a house.
In addition, there is **currently on sale** for 3 million yuan, but the bank appraisal price is 3.8 million yuan, and 20% of the down payment can be loaned 3 million yuan, that is, the down payment of 0 yuan can buy this house.
However, a number of industry insiders told reporters that this kind of loan evaluation method may have higher risks.
Wang Yuchen, the chief lawyer of Beijing Jinsu Law Firm, said in an interview with reporters that behind the high evaluation and high loan is often accompanied by a one-stop gray chain, with developers, appraisal companies, intermediaries, and even bank personnel involved. However, such behavior is expressly prohibited, is a violation, and may involve a criminal offense in serious cases.
Wang Yuchen said that this approach seems to help home buyers, but it is very risky. If you choose this method, the buyer's financial ability may be problematic, and if you can't pay in time in the future, it is easy to have commercial housing disputes. This practice may be accompanied by the developer's or third party's down payment advance, as well as the later fraudulent loan, which is undoubtedly a violation, and once discovered, it is likely to face the bank's termination of the mortgage loan contract.
Second-hand houses are generally reduced in price, and there is greater pressure to sell housesOn December 26 last year, the official website of the Housing and Urban-Rural Development Bureau of Dongguan City, Guangdong Province issued the "Notice on Further Optimizing the Real Estate Regulation and Control Policy", announcing that Dongguan City will relax the purchase restrictions, except for the 4th street in the central urban area of Dongguan and Songshan Lake, the second-hand housing sales in other areas will be suspended.
It has now been one year since the global purchase restriction was lifted, but the market performance is hardly optimistic and meets expectations.
According to the statistics of the Hefu Research Institute, the transaction of new houses in November fell by about 4% year-on-year, and the transaction fell to the third lowest in the year in the off-season due to the superimposed pessimistic expectations of the marketThe transaction volume of second-hand houses in November increased by nearly 2% month-on-month, a slight decrease of 4% year-on-year, thanks to the sell-off of second-hand houses and greater bargaining space, the scale of transactions exceeded that of new houses, and the trend was stable.
Li Xingwang, a senior analyst at the Hefu Research Institute and general manager of the Dongguan Company Development Research Center, said in an interview with the "Daily Economic News" reporter that the price of second-hand houses is generally reduced more, and the large transaction volume is also carried out on the basis of the owner's initiative to reduce the price.
Like the national market, the sale of second-hand houses in Dongguan this year is more serious, and housing prices have generally fallen by about 3%. With the sharp adjustment of second-hand home prices, there are a small number of ** buyers, but the number is very limited. ”
It is worth noting that the policy slowed down after October, and at the same time, with the continuation of new and second-hand houses, the public's bearish expectations and wait-and-see sentiment became stronger. In order to activate the demand for housing of different groups and fully adapt to market demand, the Dongguan Housing and Urban-Rural Development Bureau issued two new real estate policies in November, relaxing the "three limits" purchase group and shortening the price adjustment declaration time for pre-sold new houses, so as to pave the way for the next "** war".
Li Xingwang believes that during the market downturn, the demand for real estate investment has almost disappeared. At present, the biggest problem in the property market is the lack of confidence, so the relaxation of purchase restrictions has little impact on promoting transactions. On the whole, the volume and price of new houses in Dongguan this year are in a state of overfall, and the phenomenon of second-hand housing is particularly serious. In view of the continued economic recovery in 2024, the transaction volume will increase, housing prices are expected to stop falling, and some of the over-falling **will** recover.
Written by |Zhen Sujing
Edit|Chen Mengyu.
Cover image source|Daily economic news data map.