A few years ago, an Internet tycoon predicted:
In the future, the house will be "cabbage price".
I guess even he didn't expect it, nowDon't use the "cabbage price", just "free delivery"!
What's going on?
Owners all over shivering,Will it be the turn of the next "house deliverer"?
Many people are surprised to find that some people in first-tier cities are "giving away houses for free"!
In Guangzhou's restricted purchase area Nansha, and it isThe supporting facilities are the most mature and popularIn the Jinzhou-Jiaomen section, an owner posted three posts in a row, saying that he would give the house to a "destined person".
Take a closer look at this house, 126 square meters of three rooms, and you can also change one to four rooms, and the utility rate is very good. There are Wanda Plaza, vegetable market and pedestrian street around, and it takes less than 10 minutes to walk to the subway station, which is very convenient.
The owner's lady claims to be from Chaoshan, and apparently she also took feng shui into account when buying a house. Behind the community is Huanglu Mountain, "there is a backer" properly!
But she has only one demand: to get the house out as soon as possible.
Coincidentally, the "first city of house speculation" next door, the house in the center of Shenzhen is also sent!
A while ago, there was a set of ** swiped the screen in the Shenzhen real estate circle: Shenzhen Baozhong, where every inch of land is valuable, and the Internet celebrity community Fantasia Flower Township, there are owners who send houses for free!
The house with a total price of 3.65 million has been repaid for 2 years. As long as you agree, you can go through the transfer procedures immediately, and the house will be directly in your name.
You don't need to make a large down payment or apply for a loan to become a Shenzhen owner!
Shanghai, which is regarded as the "ballast stone" of China's property market, has also spread the news of sending houses!
According to an online "letter of commitment" signed by the owner and handprinted, a property owner in Baoshan bought an old and dilapidated house in 2020, and was unable to repay the loan due to a sharp salary cut last year.
As long as someone is willing to bear the follow-up mortgage, he is willing to "give up" the house.
It is rumored on the Internet that there is a community in Shanghai where the owner sent the house.
In fact, it is nothing new for the owner to send a house.
A few years ago, Yanjiao housing prices were the first, and many owners took the initiative to express their willingness to "send houses for free".
However, compared with Yanjiao's delivery group, the "distribution scope" this time has been significantly expanded.
Shanghai, Guangzhou, and Shenzhen in the first-tier cities, and Hangzhou, Nanjing, Hefei, Wuhan, Zhengzhou, Qingdao, Kunming and other places in the second-tier cities are all involved in this trend.
Could it be that houses in first- and second-tier cities are also dangerous?
After analyzing 10+ cases of house delivery, I have summarized the rules behind it.
In the end, the owners who came to this point basically stepped on the following two mistakes.
First, the timing was wrong, and almost all of them were bought at the high point of house prices.
The owners of the first-tier cities of Shanghai, Guangzhou and Shenzhen have all bought themAround 2021
How crazy the property market was at that time, I believe I don't need to say more.
You may think that this is an "afterthought", but whether the housing price stands guard or not, everything has been foreshadowed.
When a region that just exceeded 20,000 last year is about to rush to 40,000 this year, the violent joy is about to usher in a violent ending.
In any city, after the surge, it is not a surge, but **, and the property market cycle has always been like this.
Second, the selection is wrong, and the best ones are "weak assets".
Yes, first-tier cities are not "gold medals", and there are not a few people who have lost money over the years.
In Guangzhou,Although Nansha is a restricted area, it is very far away from the CBD of Zhujiang New Town. For a single-center city, this mistake is fatal.
The other two "difficult brothers" who are also from the suburbs - Zengcheng and Conghua, several communities have been exposed to owners engaged in house delivery activities.
By the way, it was a great deal back then"Godfather of Real Estate" Ou Shen, now reduced to borrowing money from fans to repay monthly payments, several of them are in Zengcheng.
Guangzhou Conghua owners send houses, ** two children.
In Shenzhen,Although Bao'an Center is a 10w+ location, the owner's ** is a small one-bedroom, basically no residential attributes, and it is purely speculated by investors.
In Shanghai,The owner is also an old and dilapidated suburb, and it is difficult to find the next receiver.
The above cases are all rigid products at the lowest end of the property market value pyramid.
Buyers who buy these "weak assets" are not strong in their own financial strength, and their ability to resist risks is also weak, and it is easy to be unable to bear the fierce housing prices.
Not only that, but they used to beThe goal of investing in heavy positionsIn the past, the collective ** pushed up the house price, and now the collective sell-off smashed through the house price.
The first-tier and strong second-tier core areas, especially the benchmarking improvement community, rarely have such a violent decline. Even if the decline is not small, there are few rumors of giving away houses.
The first and second lines are still like this, let alone the third and fourth lines.
Far suburbs, small apartments, tall buildings, and first-tier and small and medium-sized citiesIn light of these key indicators, we must be vigilant.
Hurry up and take a plate of non-self-occupied houses, whether it is a potential "free object". Sell the house while Xiaoyangchun is in the spring and do everything you can to get rid of it.
Strictly speaking, "free delivery" is not free, but more like a gimmick to sell a house.
For buyers,"Free" simply means that no down payment is required, but only on the condition that the seller continues to repay the remaining mortgage loan. It is equivalent to changing someone to continue to pay the mortgage.
For sellers,However, it is to give up all the down payment, as well as the decoration cost, the monthly payment has been repaid, and the one-time loss is hundreds of thousands or even millions.
If the capital chain is broken and you can't afford the monthly payment, you can sell the house.
Why do you have to give away a room for free?
It's not because it's too difficult to sell a house, and you can't sell it at all.
At present, there is an obvious oversupply of second-hand housing, the market liquidity is seriously insufficient, and the transaction cycle is constantly lengthening.
It can't be sold for half a year after being listed, and it's nothing new. A lot of owners can't sell it for a year or more.
What's worse is that every time a city announces the relaxation of the house purchase policy, it will almost cause a wave of "listing tide", which will further intensify the involution of selling houses and reducing prices.
As soon as the price of the benchmark community was reduced, the transaction was immediately pulled up. The price of "weak assets" has been repeatedly reduced, but there is not even a person to see the house.
What's more, the price of housing has exceeded the ability of some people, forcing them to sell their houses and stop losses.
For example, the Nansha owner mentioned at the beginning has a total price of 2.2 million yuan in 2020**, and the mortgage has been repaid for 3 years, and the remaining 1.68 million principal is to be repaid.
*Unit price 1750,000 square meters, and now there are people in the same community who have hung out 120,000 square meters, according to this**, this suite can only be sold for 1.51 million, which is "insolvent".
Even if you sell the house, the sale money you get will not cover the remaining mortgage. Not only can you not get a penny back from the bank, but you have to owe a penny.
It's better to find someone to carry the mortgage for you, and you can be debt-free.
Even if you really succeed in "picking up leaks", as the era of the general rise in the property market has come to an end, there is a high probability that there will be no "weak assets" in the future.
When you figure it out and are ready to sell, it's hard to guarantee that you won't embark on the old path of "giving away the house".
Many things, the free ones are the most expensive.