A few days ago, I happened to chat with a landlord I have known for many years, who bought a house from a Confucian family from the agent in my shop a few years ago. This time, because of the loss of business, I had to put the house up for sale again.
If you want to describe his original state in one sentence, it can be said this:Luxury cars are shining, rich people are handsome, luxury villas are red, and Mercedes-Benz BMWs are driving casually. Many years ago, when real estate was in the development stage, he specialized in contracting and designing sand table projects for developers, such as CIFI, Fusheng, Tahoe, Rongqiao, Sunshine City, Poly and other real estate companies, all of which have cooperative projects.
In recent years, the real estate has shrunk sharply, and many developers have encountered thunderstorms, and he has begun to go downhill, and the funds have not been settled in timeWages are the money mortgaged from the house and used to pay employees。Now that the number of new real estate projects across the country is decreasing, and the involution between industries is intensifying, he is unable to continue to involute in the rivers and lakes.
In the pastThe Confucian family could be sold for 30,000 square meters, but now the Confucian family only has 20,000 square meters, his 4 million house was mortgaged for 3.5 million, and based on the current ** calculation, the ** that can be traded now is only 3 million. He doesn't plan to return 500,000 of them to the bank, and the house has been vacant and handed over to the bank to deal with.
Judging from the current situation, his funds are already very tight, and in the process of communicating with himBut I didn't feel any of his pressure and nervousness, still smoking China, drinking hundreds of pieces of tea leaves. I think that's why people like them can be bosses.
Don't panic when things happen, even if the sky falls, he can face it indifferently as if nothing happened. On the contrary, in order to be able to repay the monthly payment to the bank on time every month, we work 10 hours a day, steamed buns with boiled water, and we also want to save money and deposit it in the monthly payment card on time.
The third quarter of 2023 national foreclosure market monitoring report,In the first three quarters, the number of foreclosure houses of various property types was 5840,000 sets, a new high, an increase of 32 over the same period last year7%。The economy has not been optimistic in the past two years, and the housing prices have continued to **, which will lead to the increase in foreclosure houses.
As we all know, any house that enters the foreclosure stage is forced to do so. The customer group who went to the foreclosure market to see the propertyMost of them come with the mentality of picking up leaksTherefore, if the foreclosure house does not have a certain cost performance, it will often enter the stage of second auction or sale.
Not long ago, I met an owner, the property rights were frozen, and the court has listed it on the **auction network, and while waiting for the auction to start, the owner will also list the house to the intermediary**. Five days before the start of the auction, the intermediary actually found a buyer and reached a deal with a certain **It turned out to be 500,000 more transactions than the ** listed on the auction network
Therefore, a piece of advice to everyone, if you come across a situation where the house is about to be auctioned and the valuation is relatively low, you must entrust the house to a real estate agent. There is a high probability that the customers found by the intermediary will be higher than the customers participating in the auction**
As a bank, as long as they can return the mortgage amount to the bank within a limited time, the bank will withdraw the lawsuit. You can communicate with the bank and ask the court to remove the house from the shelves. Don't wait for the court's auction, because the ** of the foreclosure house is really very low.
I have met many owners with high debt and high mortgages, and I deeply agree with their position. When a person is lonely, even if it is 10,000 yuan or 20,000 yuan, they are more willing to struggle more. It is said that a dollar overwhelms a person, which is vividly reflected in these highly indebted people.
Finally, I would like to give sincere advice, now more and more highly indebted owners should not wait until the credit report is overdue and becomes a black household, and then the house is listed for auction by the court before they are willing to put the house **. It is best to make early decisions about the future warning and judgment.
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