{"id":10338,"date":"2025-08-04T08:09:22","date_gmt":"2025-08-04T00:09:22","guid":{"rendered":"http:\/\/doolounge.com\/mortgage-storm\/"},"modified":"2025-08-06T22:16:39","modified_gmt":"2025-08-06T14:16:39","slug":"mortgage-storm","status":"publish","type":"post","link":"https:\/\/doolounge.com\/en\/mortgage-storm\/","title":{"rendered":"The biggest risk of buying a pre-sale house is not the falling house prices, but the inability to get a loan!"},"content":{"rendered":"

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!<\/p>\n\n\n\n

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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.<\/p>\n\n\n\n

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When signing a contract to buy a house, the \u201cproviso\u201d is very important, but don\u2019t forget it!<\/a><\/blockquote>