A friend is a small boss with few employees, only 8 or 9 people. The boss is in charge of personnel and has accumulated some enterprise resources. I met some owners of small and medium-sized enterprises together with the hometown association. His company's business is to serve these small and medium-sized enterprises and do some small system development, WeChat official account maintenance and order system. It is a typical outsourcing business.
The first two years went well. I didn't make much money, but it was not bad. In the second half of last year, I was going to expand my scale in the automobile industry and upgrade my service.
I just made a plan to do it after the holiday. As a result, the epidemic was caught during the Spring Festival, so the new project did not cause any losses. But when they didn't start business a few months later, the demand for customized development of those small and medium-sized enterprises decreased, and some even disappeared completely. He started to support nearly 10 people for three months, and then defaulted on their wages for one month. In May, he really couldn't hold on, and he invested more than 60 yuan.
Another friend, whom I mentioned in another question and answer, came to Chongqing to open a restaurant. Last year, the market was very good. He opened four or five branches at once and lost money in the first year. After all, decoration costs, facade costs and labor costs are very high. I thought the business was good enough to recover some costs during the Spring Festival, but the epidemic came. After the Spring Festival, we stopped work for two or three months, and the monthly facade fee was more than 100,000 yuan. Three months later, we closed two stores in April and others in June, leaving only one. In July, he bought his own house, hoping to survive. ...
Of course, I also have friends around me, ordinary office workers, who also sold their houses because of the epidemic. Their monthly payment is relatively high. In the case of low income in Chongqing, they have to pay back the loan of1.20 thousand every month, which used to be the salary of the couple, plus a set of rent, which is enough to cope with. During the epidemic, the tenant refunded the rent, the rent was gone, and his wife's job was gone. No way, he sold a suite in his hand.
Let me answer this question.
There are many people who have no money to sell their houses because of the epidemic.
For ordinary people, during the epidemic, there is still some savings at home, so it is impossible to have a big famine, and the reserves at home can also be tested for one month.
People who sell houses, I think, are probably entrepreneurs. Why do you say that? Entrepreneurship did not succeed, but it caught up with the national closed management of the epidemic. But rents and taxes are like a mountain, which is hard on the shoulders of entrepreneurs. Sales didn't open, enterprises stopped production, and employees' homes resisted the epidemic. These poor private entrepreneurs can only sell houses and land to solve the salary income of employees. This is a conscientious boss.
And some entrepreneurs, seeing that the situation is not good, simply dispersed on the spot and disappeared by themselves. Employees can't find what they want. Employees can only recover the unpaid wages through legal and labor arbitration. There are many such cases in the real society.
After the epidemic, many enterprises resumed production, fulfilling the employees' helpless pursuit of life-working to earn money to support their families.
In this epidemic, many business owners selflessly donated hundreds of millions of dollars to help patients infected in COVID-19 during the epidemic. Some bosses are penniless, ignore life and enjoy wealth alone.
In today's society, there are also many business operators who are rich and heartless, so what is the use of the country?
Therefore, the success or failure of starting a business should put the interests of employees first, and those who enjoy their own interests will sell their houses and land when they encounter difficulties. I think they deserve it.
As the saying goes, everyone gathers firewood, and everyone gives a little love, so that your enterprise can continue to survive and develop.
This is entirely possible, especially for people who buy houses with high leverage. Most of these people are real estate speculators, but there are also those who just need it.
The biggest impact of the epidemic on the people is that some people have lost their jobs, and without jobs, there is no income. If you can receive unemployment benefits, you can maintain your daily expenses in the short term, but the amount of unemployment benefits is not high and you can't completely cover the monthly mortgage expenses.
For people who have no mortgage, temporary unemployment will not be so bad that they have to sell their houses to make a living. But for some people who often repay more than 654.38 million yuan a month, stable income is the basis of repayment. Generally, buying a house must have spent all the money saved on the down payment, which shows that most house slaves don't have much deposits. No deposit means no passive income such as financial management and investment, and living expenses and loan repayment are completely maintained by monthly salary income. This will really put the unemployed house slaves in trouble. If the mortgage is not repaid, there will be a default, which will affect the credit information and generate additional penalty interest. According to the default clause in the loan contract, the lender is required to return all the principal in advance. If the house slave can find a suitable job to renew the mortgage, the problem is not big, and he will face some penalty interest at most. But if you can't find a good job, you really have to sell the house. Otherwise, after the bank sues and enters the auction procedure, the price of the house will be lower than the market price, but the loss will be greater.
There are also typical real estate speculators. When the epidemic makes the real estate market transactions depressed and prices stop rising, their costs are very high. Because the funds of real estate speculators are costly, the money they use for down payment may be borrowed from usury. So we have to pay not only the bank loan, but also the down payment, and the financial pressure is very great. If house prices do not rise rapidly in the short term, the longer the delay, the higher the cost, the greater the financial pressure and the more losses. This will force them to make a decision to sell the house.
To sum up, there are not a few people who sell houses entirely for their livelihood. However, people with high mortgage pressure and tight funds may sell houses for a living.
I will!
Life is more important than anything else. What's the point of wanting those houses if there is no life? As the saying goes: every man for himself, the devil takes the hindmost! With a strong body, we can have children and benefit future generations!
That's for sure!
I believe everyone has read the news that a programmer in Shenzhen earns as much as 35,000 yuan a month and pays 2 1000 yuan a month. Although life is stressful, he can barely get by. After all, after paying the monthly payment, there are still more than 10 thousand incomes for expenses.
However, due to the epidemic in the first half of the year, programmers lost their jobs, their families lost their financial resources, and it was not very smooth to find a job. After the deposit is spent, I feel that my supply is about to be cut off.
This clearly shows how much the storm at the beginning of the year has affected some highly leveraged families who buy houses. If something unexpected happens, then these families may lose their mortgages.
In fact, this kind of thing happened not only in Shenzhen, but also in Yanjiao. Because statistics show that in the past year, the number of auction houses in Yanjiao has increased from 98 to 208, more than doubling. These houses were basically bought with high leverage at the beginning, but now they have to be continuously supplied for economic reasons.
Therefore, these examples also illustrate a problem, that is, property buyers must consider their own economic strength when buying a house, and never let themselves bear excessive leverage pressure, because this will bring huge risks. So what I have been emphasizing is that it is best not to let the monthly payment exceed 30% of the monthly income when buying a house, because the monthly payment accounts for the most reasonable proportion of income, which will not bring too much pressure to life, but also allow buyers to own their own houses in advance.
I just sold a set, and I can't help it. The quality of life can't be lowered.
Yes, we are thinking about it. We are heavily in debt and want to sell our house.
If it is to solve debts or difficult problems, there may be! If you live a simple life, you shouldn't. Now the house is not easy to sell!
I haven't heard of it anyway.
The most important thing is that it can be sold!