一線城市垮了，上億房主成「負」翁，金融危機開始了！

China's real estate market continues to plummet. In the first half of this year, the number of real estate buyers and real estate agents is increasing. In this episode, let's take a look at the real estate boom in China. Real estate buyers and real estate agents mean that buyers can no longer continue to pay the bank to buy real estate loans. Although some real estate owners have lost a lot of money, the house is still unsold. Some people lost millions of yuan and even went on a blacklist. The owner of the house has lived in the house for many years and has become homeless. Dongguan, Guangdong Province, is a house owner. On social media platforms, she said she was out of work. My house is out of work. Now it has been sealed. In 2019, I spent more than 2 million yuan in Dongguan to buy a three-bedroom, 110 square meters. I paid 600,000 yuan for the down payment. The loan is more than 1.4 million yuan. The monthly monthly salary is more than 8,000 yuan. What's funny is that my previous loan rate was 5.8. I lost my income in April last year and was forced to quit my job. At that time, I found out that I still had more than 1.3 million yuan to pay back. It's been more than three years. I paid back more than 300,000 yuan, but I had more than 200,000 yuan in interest. Half a year after I quit my job, I was sued by the bank. The court's verdict came down. They not only sealed my house, but also frozen my bank card. They didn't even let go of my WeChat wallet. And there are some default fees, lawyer's fees, legal fees, repair fees, property insurance fees, and so on. It adds up to about 100,000 yuan. A few days ago, the court notified me that I was about to be auctioned off and gave me a 70% discount, which is equivalent to more than 1.4 million yuan now. Now the market is not good, no one dares to buy it. If I was taken away directly, I have nowhere to cry. My house is gone, my down payment is gone, and I still owe the bank tens of thousands of yuan. And before I paid back 300,000 yuan, I lost 800,000 to 900,000 yuan. At the beginning of March this year, Guangzhou sold 22 pieces of land in total. At present, only two pieces have been sold. The government's income is 5.1 billion yuan. In the past, Guangzhou's annual land sales income was more than 1,000 billion yuan. Shenzhen has only sold one piece of land The government's income is 5.2 billion yuan. The price of a house in Qingyuan, Guangzhou dropped from 12,000 yuan per square meter to less than 5,000 yuan. The price of a house in Hengdayin, Hucheng dropped from 20 floors to 2,800 yuan per square meter. Xu Hongsen, an Internet blogger in Tianjin, posted a video a week ago and said that the house in Nanjing could not be sold either. His friend's house cost 21.8 million yuan a few years ago and was sold for 790,000 yuan this year. What do you think of the scenery here? The building across the street is the building across the street. A friend told me that he just sold this house last year. He just sold this house last year. He just sold this house. This house was bought at the end of 2017. Then, in 2018, after the Spring Festival, the process was carried out. The house was bought at the end of 2018. The building next to this apartment building costs 21.8 million yuan per square meter. A small house costs 1.2 million yuan per square meter. This is a big house with a scale of 30 Everything here is very beautiful. That is the Great Niushou Hill of Nanjing City. The environment here is excellent. However, I just sold it this year. Do you know how much I sold it for? Less than $800,000. I sold it for $780,000. In the end, I sold it for $790,000. I lost too much. I lost so much. I just told myself by the river that I would never buy a house again. I will rent a house for the rest of my life. Xu Hongsun said, the reality is so tragic. He told everyone not to fall into the pit of real estate. It's too pitiful. According to statistics, in the past 20 years, China has sold a total of 2.25 billion houses. About 1.7 billion houses were sold in 2015 to 2021. That is to say, half of the real estate that Chinese residents own has been bought in the six years About 75% of Chinese residents' assets are in houses. In this way, if the price of a house drops by 40%, half of the Chinese people are now rich. According to the latest data from the China Research Institute, last year, there were nearly 800,000 houses Among them, Guangdong was the second with the highest number of real estate auctions in Sichuan. A Chongqing netizen said in a video that she and her husband had a monthly salary of 30,000 yuan, so she borrowed 1 million yuan to buy a house worth 2.8 million yuan. As a result, both of them were fined and the house had to be sold at a price of 2.3 million yuan. In the end, she still owed a lot of debt. My husband and I have a monthly salary of 30,000 yuan. We are not happy. Last year, I suddenly wanted to get married and buy a house. I asked my parents and relatives to lend me 1 million yuan. In preparation, I bought a house worth 2.8 million yuan and paid 1 million yuan. The renovation cost me 30,000 yuan. The monthly salary is 12,700 yuan. It took me 20 years. But I didn't expect that the company would go bankrupt. So I lost my job and had to rely on my husband's salary. Otherwise, we had to pay the mortgage. But my husband's salary is only 15,000 yuan. I have to eat porridge every day. I don't dare to buy clothes, fruits, snacks, or even go out to eat. Now my husband's company is also in a large area. If he loses his job, his family will have no source of income and he will have to buy a house. But in the current market, houses can't be sold at all. They can only be reduced and reduced and reduced. In the end, the price of a house worth 2.3 million yuan was sold. Now not only the house is gone, but also the government office is gone, the renovation office is also involved, and a lot of money has been transferred to the bank. Now my husband and I have invested everything in the house. Except for the mortgage, I can't think of anything else. I haven't been paid back yet. I haven't done anything. Just two unemployed people have become talents. They owe a lot of money. So I really advise everyone that life is not easy these days. Be sure to keep some money with you to make up for the loss. Some analysts believe that the main reason for the increase in the number of real estate in China in recent years is that many small and medium-sized enterprises are bankrupt and more and more people are unable to support the mortgage In addition, the house price continues to soar, and some real estate scoundrels can't pay the house on time, and buyers have to give up the house. There is a housing shortage all over the country. This is caused by the CCP's system. The CCP's power to gain huge profits from real estate has made the people of the country in debt. As more and more people are out of work, the banks are starting to cut off the supply of houses. The CCP's system of cutting off the supply He Longjiang, a self-media person, posted a video on March 20, saying that his house was cut off because of the cut-off supply. On the same day, someone came to see his house. I spent 1.9 million yuan in 2017 for this house, but the price is 16,000 yuan, a total of 110 square meters, 32 rooms and one bed. When I bought this house, I bought it with a loan. I paid 60 for the first payment, and 130 for the loan. The monthly monthly salary is 6,500 yuan. When I bought the house, I also had some money in my hands. My family was also doing business at home. My wife and I ran a malatang shop, and the business was quite popular. It was a middle-level level here. At that time, I bought this house because I considered investing on the one hand and sponsoring on the other. Because the children also have to use this school district so I bought this house. When I bought it, the interest rate was quite high, with 6.37 points. After buying it, everything was normal, but I didn't expect the three-year epidemic to come suddenly, and the business fell sharply. I lost more than 300,000 yuan, and my shop was closed. Now it is also in the transfer. I don't have much money in my pocket, so I sold some equipment. If you transfer, you can give some decorations, tables, and tables to others. Some of the kitchen items are also packed and given away. Now the environment is not good, I dare not do anything, and I will lose money if I do it. My parents have always supported us, and my relatives and friends have also borrowed money to maintain their lives. Later, I started to swipe various cards, and the credit cards fell back and forth. I thought it was not a good idea to go on like this, so I thought about selling the house. Then I went to the agent and asked, the agent told me that the market price has fallen to 1.2 million, because now the real estate market is the house market. Now the house price has been falling, and we have a lot of expenses. Because my wife is also pregnant this year, now the business is losing money. We started to pay the mortgage in 2018, and the mortgage is about 6,500 yuan per month. It has been six years, and the total is more than 460,000 yuan, which is nearly 500,000 yuan. At that time, the loan was 13 million yuan, so did we owe the bank 80 million yuan? But as a result, it was completely unexpected. I went to the bank counter to check, and I found a very unbelievable fact, which is that in more than six years, I paid back nearly 500,000 loans, and the capital in it was only about 150,000 yuan, and the remaining nearly 300,000 yuan was the interest of the bank. This is a complete credit to the bank. Because of the epidemic, my business has been losing money year after year, and now I am in debt every day, and now I have a second child at home. It's really too difficult. I was thinking about selling this house every day, and then paying back the money. If you pay back a little, you can live a stable life. But I never thought that the house I bought for 1.9 million yuan would not sell for 1.2 million yuan. Now it's really hard to pay off the loan every month. My house is nearly 2 million yuan, and now it's 1.2 million yuan, so why should I sell it? I can't even pay off the bank loan now, so my wife and I colluded and cut off the credit. This is also my most wrong decision. At that time, the idea was that this house was originally mortgaged to the bank, and I would not pay off the monthly credit. Then the bank took this house away and it became a bank. I don't want this house anymore. The worst thing is that I don't want it anymore. But I never thought that the consequences would be so serious. Ever since the bank cut off the credit, the bank always called me. I don't have money to pay it back now, so I just hung up the phone. As a result, I was particularly annoyed and I was blacklisted. In the end, my house was legalized by the bank. The legal price is much cheaper than the market price. Usually, the legal price is 70% to 80% of the market price. Now the real estate market is not good. My house was eventually sold at a price of 900,000 yuan. When the deal was made, I still owed the bank a loan of 1.4 million yuan. That is to say, after selling this house, I still owe the bank 500,000 yuan. The original 600,000 first payment is also gone. Plus 500,000 from the bank, a total of 1.1 million is lost. After selling my house, I still owe the bank money. I haven't counted the penalty money, the lawyer's lawsuit fee, the insurance fee, and the various fees. If you count it, it's more than 200,000 yuan. Of course, the impact of the deal is more than that. I was also blacklisted. Don't even think about buying a house or a car in the future. There are restrictions, including some high consumption fees, high-speed rail, and airplanes. It may also affect children's school in the future. If I could sell the house for 1.2 million yuan at that time, I would lose a 600,000 first payment. But now there is no return. After being blacklisted, after these operations, it is equivalent to me losing more than 1.3 million yuan. There is really no way. My intestines are destroyed now. Now a family can only move out of this house. Find a big house and live a good life. Now think about the 6.3 area mortgage interest rate it feels like it is too unworthy. Sometimes I think where the meaning of real estate is. Why was I originally a good family? Because this house has become a chicken feather. Here, I also advise friends who want to buy a house to be careful and to work hard. Otherwise, it will be like me today, not hard every day, not good every day. In the end, the bamboo basket is empty, and I have a debt. Okay, let's talk to you here today. Please remember to like, subscribe, comment, and share with your friends. See you next time. Bye