1. People who lend money to mortgage to buy a house
Due to high housing prices, more than 95% of property buyers want mortgage to buy a house. In addition to draining all the savings at home, I still owe the bank a mortgage for decades, and I have to bear heavy pressure to repay the loan every month. This life is to buy a house. Once the house price falls, the market value of the houses purchased by people who borrow money to buy houses begins to shrink, and the hard-earned money hits Shui Piao. Every month, I have to bear huge mortgage pressure and face the pain of shrinking market value of real estate.
2. Developer community
Once house prices fall, developers are definitely the most unlucky. The reason is that many buyers buy up and don't buy down. When house prices go up, follow suit. When house prices fall, they will always wait and see, and the sales performance of developers will drop sharply. Once the house price falls, the old owners will look for developers to defend their rights, either check out the money or make up the difference, which makes the developers feel very headache.
3. Banks
Banks have long been engaged in the "reselling" of money and mortgages. On the one hand, they receive deposits from ordinary people at low interest rates, on the other hand, they lend money to property buyers at high loan interest rates. In the middle of this operation, the bank earned a lot of money. However, when banks lend a lot of money, it actually means that banks are the people who own the most houses. If the mortgage falls and the buyer defaults, the bank may not be able to recover the principal and interest and suffer heavy losses.
Precautions for buying a house:
1, you must know more before buying a house. You can't eat hot tofu if you are impatient.
Buying a house can't be done in minutes. It takes a long time from the beginning of choosing a house to the final peace of mind. Therefore, what buyers need is patience.
2. When looking at the house and choosing a house, carefully check the quality problems.
As long as the house can be sold, there is no problem, but there is a gap between ideal and reality. After all, some people will do anything for their own benefit. Therefore, buyers still can't ignore the housing quality problem.
Be sure to check whether the house has five certificates before buying a house.
If you want your house to have legal status, you must have five certificates. Otherwise, the house you bought is illegal, and you are not at ease living in it. Because some houses do not have legal sales conditions, these documents may not be available. Often attract buyers with low prices, so buyers must be vigilant.