Is it smart or stupid to sell a house now? 2022 1. If your house has appreciated a lot, and you don't lack a house to live in now, it is wise to sell it for cash, because with cash in hand, you can do other things, and no matter how the house price rises, there will be a downward adjustment stage. What should I do if I encounter it?
2. If you lack a house to live in, you will definitely not sell it, because it will never be cheaper than it is now, and the extremely high loan interest rate will make you pay hundreds of thousands more!
Mortgage is the commercial loan with the lowest interest rate so far. If you buy a house, you can't sell it.
4. Be ingenious If your house has more than doubled in value and there is only one house, if it were me, I would sell it and buy another one. Leveraged cash can buy a bigger and better house, or have some cash in hand to buy a set!
What's the house price now? In 2022, the price in every place will be different, and the average price in different regions will be different. Take Wuhan's housing prices this year as an example!
The house price in Hankou is 274-11w; Hankou is 3.5-5W；; Along the river; Hanzheng Street 3-4.8W
Xinhua 3.5-4.5W；; ; Huaqiao 2.5-3.5W；; ; Water chestnut lake 2.8-3.3W
CBD 2.4-3W； Baofeng 2.2-2.5W；; ; Gutian Riverside 1.7-2.8W
Gutian Center1.7w; ; Gutianbei1.6-1.9w; Changqing Road 1.8-2.3W
Tazi Lake1.9-2.3w; Houhu1.9-2.4w; Dike angle 1.9-2.4W
Huangpu New Town1.8-2.3W; Yangluo 0.6-0.9W；; ; Wuhu 0.9- 1.2W
Hankou North 0.9-1.3w; Hengdian 0.8-1.1w; Panlongcheng 0.9- 1.3W
Jinyintan1.3-1.5w; Evergreen Garden1.2-1.9w; Gold and silver lake 1- 1.8W
Qianchuan 0.7-1w; Gold and silver lake1-1.8w; Wujiashan +0. 1- 1.5W
Airport New Town1-1.5w; Sandian1-1.4w; Zoumaling 0.7-0.8W
The house price in Wuchang area: 2.7-3.8W；; At the gate of the company; Wuchang Riverside 3.4-3.9W；; ; Xu Dong 2.8-3.2W
3.3-4.8W； In South China, Central China and North China; T-bridge 2.7-3.5W；; ; Baishazhou Third Ring Road 1.7-2. 1W
Nanhu 2-3.5w; Zhuodaoquan 2-3.3W; Athletes 2.2-2.8W；; ; Wufeng 2-2.5W
Honggangcheng 2-2.8W; Yangchun Lake 2-2.7W; Guanshan 2-2.8W
Jinxiu Longcheng1.5-2w; Luo Yudong1.5-2.2w; Huashan +0.7- 1.9w
2.3-2.9W； For the new center of Optics Valley; Guanggu South1.7W; ; Zuo Ling New Town 1.3- 1.5W
Wulijie 0.8W； Qianlong Island1.4-1.8w; Financial port 1.9W
Miaoshan1.1-1.4w; Wenhua Avenue1.1-1.5w; Huangjiahu 1. 1- 1.6W
Jinkou 0.8-1.2w; Paper mill 0.9- 1.4W
The house price in Hanyang area: 2.3-2.8W；; In Zhongjia Village; Heshan1.6-2w; Ink lake 1.7-2.2W
2-3W along Hanyang River; Sixin1.6-2.2w; Wangjiawan 1. 1-2.3W
Longyang Avenue1.8-2w; Shengguandu1.5-1.9w; Qin fracture 1.4W
Lake Prince1.4-1.8w; Dunkou Center1.1-2w; Dunkou West 0.9- 1.4W
Junshan 0.7-1w; Hannan 0.5-0.9W；; ; Sino-French New Town 1- 1.2W
Caidian 0.8-1w; Hougong Lake Villa is about 2w; Zhashan 0.6-0.9W
Why is it more and more difficult to sell houses now? First, the macroeconomic situation has changed. COVID-19 has caused a global economic recession, and domestic economic growth will also slow down. Every percentage point drop in GDP growth means that tens of millions of new jobs will disappear. For a considerable proportion of families, the deterioration of job stability and the decrease of family income will naturally be reflected in social consumption, and the house as the largest consumer goods is no exception.
Secondly, banks and real estate developers have been set a red line. Before that, they can collude with each other and spare no effort to push up housing prices. Now that the austerity curse comes out, banks provide less guns and ammunition to real estate speculators, and developers can get less support. The market will naturally cool sharply, and the expectations of real estate speculators will also change. The era of real estate speculation to make money is over.
Finally, families who can afford housing are no longer short of housing, and most families who lack housing can't afford housing. With the introduction of second-hand housing guidance prices, the liquidity of houses is getting worse and worse, and there will be more and more real estate speculators selling houses, and more and more people will abandon their houses and cut off their supply. As for new buyers, the wait-and-see mood will increase, but people who are not particularly anxious or stupid will not take over at this stage.
It is a good thing that the house is not easy to sell. You have to pay back when you get out, and you have to pay back when you borrow money.
At this stage, living within our means is the basic requirement. It is necessary to increase savings, reduce unnecessary consumption, and make reserves for future development.