Guide
In recent years, housing prices have remained high, and high-priced buyers are facing tremendous economic pressure. Two real-life examples show how high-ranking home buyers cope with the pressure of falling home prices, some choose to prepay their mortgages, and some choose to sell their properties. It also introduces the multiple pressures faced by other high-ranking home buyers, as well as ways to deal with them reasonably. Want to know the multiple pressures faced by high-ranking home buyers and how to deal with them? Let's take a look!
Deal with falling home prices, prepay your mortgage or sell your property
There is a saying that no one wants to make money, real estate developers can make money. In recent years, the situation of high housing prices has discouraged many young people who want to buy a house, but there are still some people who want to change their destiny by buying a house, and these people have become so-called high-level buyers.
With more and more policies to regulate the property market, the rising momentum of housing prices has been curbed, and high-level buyers are also facing huge economic pressure. Some of these people have chosen to pay off their loans early and save money to cope with the pressure of falling house prices.
For example, Liu Yun, when she first started buying a house, her friends around her were buying houses, and seeing that the house prices were still rising, Liu Yun was also itchy, so she followed the trend and bought a set.
But unexpectedly, it didn't take long for the momentum of rising housing prices to be curbed, and Liu Yun had to face today's high mortgages. Liu Yun has worked for several years, and her monthly salary is only more than 10,000 yuan, but because of the high mortgage, she can only leave more than 3,000 yuan a month to pay for other expenses.
Liu Yun was under a lot of pressure, so she decided to repay the loan early. She calculated the savings in her account and decided to repay 100,000 yuan in advance. In this way, she can save more than 1,000 yuan every month.
In addition to prepayment, others are choosing to reduce spending to cope with the stress. Some people choose to sell their property when they are under pressure.
For example, Zheng Dan, in the face of the huge pressure brought by the fall in housing prices, he also chose to sell his property to reduce the burden. Although this will allow him to get out of his current financial difficulties, he will have to face a heavy task of buying a house in the future.
Against this backdrop, Zheng Dan and his wife began to disagree about buying a house. Zheng Dan hopes to sell the property in his hand as soon as possible to get the whole family out of financial difficulties; The wife, on the other hand, wants to wait until the children are older to buy a new house.
The family was divided into two, and the couple often quarreled over this issue. Zheng Dan felt very helpless, he once hoped to change the fate of his family by buying a house, but he didn't expect to fall into such a predicament.
The story of Zheng Dan and his wife is just a microcosm of many high-ranking buyers. With the continuous introduction of property market control policies, high-level buyers will face huge economic and psychological pressure.
Multiple pressures on high-level home buyers
With the continuous upgrading of property market control policies in recent years, the heat of the property market has gradually cooled down. Many high-ranking home buyers, who once thought that "houses will not depreciate", are also beginning to face the enormous pressure brought about by the current situation.
High-level home buyers, who used to have unlimited scenery, are facing challenges and pressures in the economy, family, work and other aspects under the current property market situation. For example, Chen Xin and Li Hua have been forced to accept the sale of their properties at a reduced price in the current property market downturn.
Chen Xin and Li Hua used to be a typical "post-90s" couple, working in Beijing. They had planned to change the fortunes of their family by buying a property in Beijing.
At that time, Beijing's property market prices were inflated and transaction volumes were shrinking, but they still believed that "property speculation" could make money. So they took out their savings, borrowed more than 100,000 yuan from relatives and friends in their hometown, and finally bought a two-bedroom apartment of more than 90 square meters in Beijing with bank loans.
But I didn't expect that not long after, there was stagflation and even adjustment in Beijing's property market. In order to get rid of it quickly, they accept the price reduction and sell the property in their hands. Now they are back in debt.
In addition to these people who were originally going to buy a new home but were forced to change hands, there are also some high-level buyers who are under various pressures from life and economy in the current downturn in the property market.
For example, Wang Xiaoyun and his wife, they can't sell the "sweet and sweet" in their hands in the current property market downturn, and they have to pay high mortgages. Wang Xiaoyun has not returned to his hometown for the New Year for several years, but this time he had to go home early for the New Year.
In addition, under the current national wind vane property market regulation policy, measures such as purchase restrictions and loan restrictions are also increasing. Many people originally planned to buy a new home in other cities to circumvent the purchase and loan restriction policy, but now the policies are converging everywhere, which makes many people have to "stay" in place.
There are also some people who, after seeing the current situation, have also made quick successes and opportunistic behaviors. They are shoddy and reckless, and in today's situation, they can only reap the consequences.
Deal with stress reasonably
So what should we do in the face of the huge pressure on high-level buyers in today's property market situation?
In fact, the biggest reason for this is the old saying: there is no such thing as a free lunch. When many high-ranking buyers first enter the property market, they do not have a full and in-depth understanding of the nature of the property market, but simply believe that "house speculation" can make money, and blindly follow the trend.
Now the situation has deteriorated, and these people have only found themselves at a dead end. Therefore, we need to be cautious in our home purchase decisions, look at the real estate market rationally, and adjust our investment strategies according to the actual situation.
If you already have a large amount of debt in your hand but cannot realize it in time, you need to deeply reflect and analyze where you are now, and take effective measures to reduce your financial pressure.
For example, prepayment of loans, reduction of living expenses, etc. are all good choices. It's even more important to discuss future development plans with your family and work together as a family to deal with the current situation.
For those young people who buy a house at a high level and are burdened with heavy loans, they should pay more attention to not blindly following the trend to buy a house when they are not rich in funds and have insufficient risk tolerance. Rationally look at real estate investment, and carefully choose the investment method and timing according to your own actual situation.