Recently, I swiped a video, and after watching it, I felt very heavy in my heart! This video is a little girl standing at the door after coming home from school and can't enter, because his home is sealed, and his father can't afford to pay the mortgage! We can imagine that this little girl has no home after school, and he can only wait at the door for his father to pick him up after coming home from work, where to pick him up and where to live? What should we do in the future? It can be said that the life of the people at the bottom really affects our hearts all the time!
And the little girl cried and said: My father just can't pay off the mortgage for the time being, and he is not a lai! But the bank represents capital, and capital wants to make money, and it will not be humane! When a person buys a house and gets into a car, as long as you apply for a loan from the bank and you have not repaid the mortgage for more than half a year, the bank will call you. If you still don't pay the mortgage, the bank will sue you, and the consequence of the bank suing you is to seize your house and take it to auction, and the auction money must be returned to the bank first, and the rest of the money is your own!
For example, the netizen in Dongguan, Guangdong, who was recently reported on the Internet, bought a house for 6 million yuan, but now it cannot be sold for 2.7 million yuan! A house of 6 million yuan has a down payment of 30 percent and a loan of 4.2 million yuan. If the loan term is 30 years, the interest plus principal is almost more than 9 million!
Now, even if the house is sold for 2.7 million yuan, it is still insolvent, because the principal amount of the loan he borrowed from the bank is 4.2 million yuan! What should I do at this time? The bank will continue to sue him and auction off all kinds of assets in his name until he is squeezed dry, and he is really unable to repay it.
Therefore, at this time, many people are thinking, is the current loan system really applicable to the present? You must know that the interest on the loan term of up to 30 years is very high, usually the principal, more than double! If a young man has just graduated from college and he buys a house with a down payment and takes out a loan for 30 years, this means that he will have to repay the mortgage every month for the next 30 years, even if he is unemployed, or because of illness, he has no income and no ability to earn money, but he still cannot break the mortgage. If he wants to break the mortgage, he will still be sued by the bank, and the house will be seized and auctioned!
Let's tell a true story! That is, there is a man who bought a house when he got married, took out a loan for 30 years, and then often stayed up late and worked overtime to get cancer, and his job was gone, and the cost of treatment was very large, and the whole family had no money, and then his wife divorced him, and the property was not divided, and the house was left to him, but now he has no money for treatment, and the monthly mortgage is simply unable to repay! The mortgage has been off for seven or eight months, and not long ago, the bank seized his house, asked him to move out, and informed him that his house would be auctioned online, and the money after the auction would first repay the bank loan, and after the settlement was clear, if there was any leftover, it would be given to him. If there is no surplus, he will have to make up the bank loan! This big brother doesn't care now, his heart is like ashes, because he can't be cured of cancer. Anyway, you won't be able to live long in the world, so it's just a lai, that's all it can be!
What do I want to tell you about this story? That is, when buying a house, you must do what you can! Because no one can guarantee that in the next 30 years, you will have smooth sailing, no hardships, and no difficulties! In fact, there is a lot of sadness behind buying a house, and there are many more, the house is unfinished, and the mortgage that is still repaid every month will be sued by the bank if you don't pay it back, and eventually you will become a liar, and there will be no down payment, no house, no money, and finally you will become an old man! There are too many such things!
So the best way is not to touch it when you don't have the ability, many experts say that the mortgage is the only chance for ordinary people to be able to deal with finance in this life, this sentence in the current view, is completely a kind of leek cutting words! If you can pay in full, then you will buy a house in full! If you want a loan, you also have to do what you can!
Finally, let's talk about the truth about the trend of real estate, that is, real estate, as a historical tax control, is about to withdraw from the stage of history! Therefore, the trend of housing prices will continue to fall this year, don't worry, and wait! #文章首发挑战赛#
Note: The article is forwarded by the video, please forgive me for the typo!
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