The state has repeatedly emphasized the policy of not speculating on housing. But there are always people who are mercenary and want to be opportunistic. I just didn't expect the country to develop so fast. At the end of last year, the central bank issued a new regulation to tighten the bank's mortgage policy. Every bank will set a limit, and many people who want to borrow money to buy a house find that banks don't give them loans at all.
It's not just this that caused the real estate speculators to collapse. Some time ago, a notice letter to recover personal loans in advance was swiped online. The reason for brushing the screen is simple. The content is that the bank requires the borrower to make up the 5 million loan owed as soon as possible. What's even more surprising is that the contract was signed at 1.5, which means that the outstanding payment will be settled within 2 months.
If the money is not collected and delivered within the specified time, the circular letter also suggests that there will be a fine after the deadline, and even a lawsuit will be filed by the bank, and once the lawsuit is involved, the house may be auctioned. If the house has not been sold and the loan has not been settled, the lender still needs to pay the rest.
It is estimated that many people are surprised to see this. I didn't expect the bank to collect the loan in advance. In fact, we can't really blame the banks. We all know that when the new regulations were issued, all banks were told that they wanted to guarantee the loan amount in their own banks. However, in 202 1, 1, the borrower nominally borrows money for business operation, but actually uses the money for investment in real estate. Finally, it was discovered by the bank that the bank made the decision to let the other party repay the loan in advance. There is definitely no way to prepay, so you can only sell your two suites first.
Ordinary real estate speculators generally like commercial loans. Because the longest loan term of operating loan is 10 year, and the interest is even lower than that of mortgage. Therefore, real estate speculators will pretend to be companies, which are not used for production and operation, but are specially used to borrow money from enterprises. This can save a lot of interest, and you can throw it away after the house appreciates, which can make a lot of money.
Now the state has also begun to strictly investigate such business loans and personal consumption loans. Once discovered, it is very likely that the above situation will occur and the loan will be repaid in advance. Some real estate speculators don't have much money in their hands. All the money is in the house. This incident is tantamount to a precise blow to real estate speculators. Banks can no longer sit idly by. In this case, real estate speculators urgently need to withdraw funds and can only sell their houses as soon as possible.
In fact, in recent years, the demand for housing speculation in China is getting higher and higher, and the state has repeatedly mentioned the need to stabilize housing prices when talking about housing prices. It can be seen that the government has made up its mind. In order to curb housing prices, various regions have introduced different policies. For example, Shanghai has previously introduced relevant policies. It is required that the house cannot be resold for five years. Now, coupled with the tightening of consumer loans and business loans policies, it can be seen that the state is increasing its control over the property market.
Real estate speculators should wake up. At this time, they should get rid of the house quickly, and don't wait until the house really hits their own hands. There is nothing left. Once you can't pay off the bank loan, your assets may be frozen.