Core Viewpoint - The article discusses the negative consequences of speculative real estate investment in China, highlighting the plight of investors who face significant financial losses due to falling property prices and the risks associated with mortgage defaults [1][3][11]. Group 1: Investment Trends - In 2018, 58.2% of new home purchases were for investment purposes, while only 15.1% were for first-time homebuyers, indicating a significant shift towards speculative buying over the past decade [3]. - In 2008, first-time homebuyers accounted for 69.7% of purchases, with investment buyers at only 19.6%, showing a dramatic increase in speculative buying over ten years [3]. Group 2: Case Studies of Investors - A case study from 2017 describes an individual who purchased a property in Yanjiao for 3.5 million yuan, only to see its value plummet to 1.5 million yuan by 2021, resulting in a loss of over 2 million yuan [5]. - Another case involves a 35-year-old who bought a property for 4.26 million yuan in 2017, which dropped to around 2.3 million yuan, leading to a decision to default on the mortgage, resulting in additional financial burdens [7]. - A story from Chengdu highlights a buyer who invested 2.7 million yuan for a home, only to face job loss and a subsequent drop in property value to 1.6 million yuan, leading to severe financial distress [9]. Group 3: Consequences of Defaulting - Defaulting on a mortgage can lead to severe repercussions, including the property being auctioned at a low price, incurring various fees, and negatively impacting personal credit scores, which can affect family members as well [11]. - Experts suggest that lending to individuals who cannot afford homes may not be prudent, emphasizing the importance of financial capability in real estate investments [11].
房价从3.5万降到1.5万,房子依旧卖不掉!心酸的是:业主断供了
Sou Hu Cai Jing·2025-08-23 13:40