#头条首发大赛#说到断供, I believe everyone is familiar with this word, especially mortgages! It was a terrible thing to put in the past, because once the mortgage is broken, our down payment and previous repayment will be lost, and even the house will be taken back for auction, and then we may have to pay the bank again, in a word, we have nothing! I believe that friends who have had such an experience have a deep understanding!
However, after three years of the epidemic, affected by the domestic environment, more and more people have broken their mortgages, and even many people have stopped paying pension and medical insurance. The two most important factors are employment and income, and now the employment situation in China is severe, many people are difficult to find decent jobs in their forties and fifties, and their income is also unstable or declining, coupled with the heavy pressure of life, it is difficult to bear the cost of various contributions! Therefore, it can only be cut off in various ways, which is not everyone's original intention, but it is a fact......
I have a friend who used to be a leader in a company, with a salary of more than 10,000 yuan a month, plus an income of almost 20,000 yuan a month with extra money or something, and he lived a very good life, and his friends were very envious, but after the epidemic came, he suffered layoffs, and he barely stayed, but his income shrank, and it was about 10,000 a month, and then he lost his job when the company closed down!
The house he bought before the epidemic, when the house price was high, spent more than 1.6 million to buy a house, with a down payment of 500,000, and the rest were loans, and he repaid seven or eight thousand a month, according to his previous job, there was no pressure, but after he was unemployed, it was difficult, and he never found a suitable job, coupled with psychological problems, he was decadent for a long time, I heard about the divorce last year, and now he is working in other places! Once I heard him say that the mortgage has been out of payment for more than half a year, but he doesn't care, anyway, now he has no money, an indifferent attitude, there is a feeling that one person is full and the whole family is not hungry!
In fact, there are a lot of people like him now, and I almost broke off my mortgage in the past, but then I also survived by piecing it together, because I am also a loan house, and I believe that many people who take out a loan to buy a house regret it! Especially friends who bought houses when house prices were at their highest a few years ago, look at how much the house prices have dropped now, just like my friend's house was about 1.6 million when he bought it, and now no one cares about selling it for 8.9 million! In addition to the housing prices in the first-tier cities, other cities have basically fallen significantly, beyond the expectations of many people, and we will know how much money we have lost, but there is no regret medicine in the world, we can only bear it silently, before the collapse of housing prices, we were the last wave of "wronged leaders", and those who have the ability to continue to repay, and those who are not able to let it be, after all, who would consider repaying the mortgage when even eating is a problem?
Although we have to face a lot of problems after the mortgage is broken, such as the credit black, the house will be auctioned, we have nothing, but the current bank is not as tough as before, they are not stupid, knowing that even if the house price falls after the auction is not enough to repay the loan, or take it back and can't sell it, plus more and more people break the mortgage, the bank is also much gentler, they will discuss with you, give you an extension or negotiate to reduce the repayment amount by a part, reduce our repayment pressure, as long as we guarantee the repayment. So many people who cut off their supply are not afraid!
It is estimated that even the bank did not expect such a result, look at the current situation where we not only have mortgages cut off, but also credit cards and young people's online loans are less overdue? In the final analysis, there is no money to pay back, on the other hand, it also shows that money is difficult to earn, and income and pressure are not proportional, so now some people choose extreme ways, but in fact, they are forced by various pressures of reality to have no choice! This is the greatest sorrow at the moment, and it is worth many people to think deeply about the truth behind it, and have to think deeply about a heart-piercing question, are we really happy?