Li Ka-shing**: What a family with a "two-suite" family may encounter after 5 years.
When it comes to real estate, we can't fail to mention Li Ka-shing: in many cities across the country, Li Ka-shing's plots have been occupied, but without exception, the ** of these plots is very high.
If we talk about the vision of the real estate industry, we have made a lot of money from Li Ka-shing, he is very unique.
This year, Li Ka-shing will discount** a house in Hong Kong, showing his attitude towards the future of the real estate industry. Li Ka-shing even said in public that in the next five years, housing prices will change greatly, speculation should be cautious, and the debt boom of many mainland real estate developers will also end.
It can be said that in the past two years, the real estate market has entered a stage of gradual stabilization: house prices are high, but they cannot come down;There are a lot of houses, but they can't be sold.
According to the data provided by the relevant real estate trading platform:
From January to November this year, the sales area of commercial housing in the country was 121.2 billion square meters, down 23% year-on-year;
The total sales of commercial housing was 118600 million yuan, down 266%；
In the second-hand housing market, the average of the residential market decreased by 2 year-on-year86%。
In the face of these naked data, the real estate myth has finally fallen to the altar.
Some people say that the reason why houses in China are so expensive is largely because of people like Li Ka-shing, these big businessmen used to buy land at a lower price, and then accumulated it without development, and waited until the house price was higher at a higher price
What's more, many people say that the so-called public pre-sale of China's property market is also done by people like Li Ka-shing, in fact, they eat people without spitting out bones.
But we have to admit once again that Li Ka-shing's view of our national property has always been correct!
As early as five years ago, the domestic real estate market was in full swing, and major real estate developers snapped up land piece after piece. In this case, Li Ka-shing publicly said: In the next five years, mainland property prices will be reshuffled, and speculators should be cautious!
Now, five years later, those words have been fulfilled.
Some speculators are also regretting not getting rid of their houses sooner. You know, five years ago, many people were in debt to speculate in real estate, using credit cards and a series of lending platforms to borrow money, and then buy a house. Once they buy a house, they use it to go to the bank to apply for a mortgage, then they get a loan, they buy a house, and so on. Speculators have a large number of houses in their hands.
These people are waiting for real estate *** in order to make a profit from the difference in the price in the middle. A group of previous property speculators made their fortunes in this way.
But those who came in later didn't enjoy it so much, and with the pandemic, the houses began to be unsold, **stopped**, or even slowly**.
Before that, speculators with several houses in their hands began to panic a little, because there were so many houses in their hands and the mortgage interest rate to be paid each month was frighteningly high.
If they can't sell their houses in time, these houses are likely to be crushed in their hands. In the end, everyone can face these three outcomes.
House prices continue to rise, but the power of supporters is growing.
Some powerful speculators, who have made some money through property speculation or other investments in previous years, can still afford to pay the monthly mortgage when the house price continues.
Just like in the past, many people have several houses in their hands through various means, and in most cases, these houses are obtained through loans or other means, but they have to pay high monthly payments every month, and they have to pay off various debts and credits.
And now that house prices continue to be the best, these speculators have suffered direct losses. As before, in Guangzhou, Shanghai, Shenzhen, Beijing and other places, some dilapidated old houses sell for as much as 100,000 yuan or more per square meter.
In the past two years, second-hand houses like this have gradually returned to commodity attributes, housing prices have continued, and even some houses have been cut in half.
However, the house price ** is not the most deadly, the most fatal is that you can't get rid of these debts, even if you discount it, you want to get rid of the house as soon as possible, no one takes over.
Difficult to ** multiple units.
Judging from the relevant data given by the housing department, China's existing housing has reached a state of saturation that fully meets the needs of 1.4 billion people in the country. And now the aging population has exacerbated the decline in the number of new people, which means that after a certain number of years, as the older generation leaves, the house will become more and more vacant.
This means that a young couple may have 2-3 houses in their hands. This reality makes it more difficult for people who own multiple homes to find a home.
If the extra house is not bought with a bank loan, it doesn't matter, anyway, if it can't be sold, it will be put there, if the location is better, you can also rent it out, and it is not bad to collect some rent every year.
But if most of the family's assets have become houses, then this will directly affect the family's life, the house is a fixed asset, and it is very difficult to realize, especially in the current housing prices, the aging of the birth population, and the decline of the population, like these houses that have been in disrepair for a long time, it is even more difficult to find someone to take over.
Even though the house is worth hundreds of thousands or even millions, it simply can't**, and the only way to realize its value is to repeatedly reduce the price. Can ordinary people really afford such losses?
Income is declining and pressure to pay multiple mortgages increases.
The saddest thing is to count on those who rely on loans to speculate on houses, now the house prices are **, the house cannot be sold, and the house in hand is like a hot potato.
If you're financially sound, it's hard to meet your monthly mortgage payments and you'll be able to live a life of relative affluence.
However, the economic situation in the past two years is not optimistic, and the production and operation of many factories have been reduced to a certain extent, and some enterprises have even had to cut wages and lay off employees to survive.
In this case, people's incomes are reduced to a certain extent, to a greater or lesser extent. Once your income decreases, you reach the point where you can't even pay your monthly loan to buy these homes. In case of default, you will most likely be sued by creditors and the court will freeze the house in your name.
If the frozen house cannot pay off the other party's debts in a short period of time, it will be auctioned. The court will organize a team of appraisers to appraise the property and then start the auction at 70% or 80% of the market price.
And since this situation finally falls on the judicial auction of the house, it is very likely that the auction will be carried out at a ** price lower than the market price, if it is not once the auction is successful, then the auction will be discounted on the basis of the original price.
When this happens, the purchase of the home** will most likely not be enough to pay the amount owed when the court auctions the home. Eventually, the buyer may not be able to make a down payment, lose the home, and instead incur legal costs or even leave outstanding debts.
Write at the end. In fact, years of the pandemic have made many people realize that they can only live more comfortably if they have cash in hand. A house may have a price, but it may not be able to be cashed out quickly.
If the house is vacant, you will have to bear the property fee, heating bill, maintenance funds, etc. In addition, uninhabited houses are also prone to a series of problems, such as aging houses and a series of costs incurred in repairing houses, which will increase people's living burdens.
If a person who relies on a loan to speculate on a house has more than one house in his hands, the decrease in income and the pressure of loan repayment can be imagined, and when the house in his hand can be handed over depends entirely on the evolution of the market.
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