Now more and more homebuyers have fallen into this sudden "mortgage storm".
In the past two years, a phenomenon has emerged among pre-sale buyers, home-changers, and even first-time buyers: when they are about to take over the house, they find that the loan amount they originally expected is far less than what they originally expected.
This is no longer an isolated case, but the result of overall environmental changes!
The central bank's selective credit controls, the Financial Supervisory Commission's strengthened bank supervision, coupled with rising housing prices and lowered thresholds for luxury homes, have led to banks' current lending stance becoming "increasingly conservative."
When the New Youth Security was first launched, "80% loan is not a dream", but now many people can't even get a 60% loan.
Many of these pre-sale home buyers signed the contract before the policy change.
Although pre-sale house contracts have clauses and guarantees, if the loan amount is less than 30%, you can pay in installments or terminate the contract.
However, these terms are difficult to enforce in reality. The main reason is that builders are unwilling to pay in installments for too long, and can only seek secondary financing or private financing on their own, which means they have to bear an additional interest burden.
Why not just terminate the contract?
The pre-sale contract was originally signed for 10 million yuan, and now the market price has soared to 15 million yuan. Even if the loan amount is reduced, are you going to give up easily?
"If you exit the market now, there might not even be a barrier to entry to buy back in later."
Facing this problem is a dilemma. After all, housing prices have skyrocketed. Giving up the price agreed upon in the original purchase contract is equivalent to giving up the opportunity to buy a house.
This is the dilemma that many homebuyers are facing today.
The original policy was intended to improve the housing market and curb speculation.
But now, it is those who are the most innocent and serious about buying a house for their own use who are being pushed to the forefront.
Those who have sufficient resources can make up for it with cash, but those who don’t have enough resources can only grit their teeth and hold on.
The risks of buying a house are no longer as simple as "buying it at an expensive price".
If the competent authorities do not establish a "buffer period" and "remedial mechanism" between policies and the market, there will be more and more cases of default in house delivery in the future, and there may even be another wave of "defaults" in 2026.
This website does not have those annoying ads that block the webpage and hinder reading!
If you think my article is helpful to you, you can joinOfficial Line@, allowing me to better understand everyone’s needs and write more high-quality content.
