中国迎史上最大弃房断供潮 业主下场凄惨

在中国国家主席习近平“房住不炒” 的口号下,中国房地产市场已经明显降温,再加上疫情冲击造成失业率骤增,不少买房人再也无法支付高额的房贷,准备弃房断供,中国迎来史上最大断供潮。

近日,网络上热传河北省张家口市环京诸多买房人断供事件。根据业主的聊天记录显示,张家口房价下跌幅度高达50%,业主以1.2万/㎡的高价购入,现在以6000元/㎡的价格都卖不出去,银行还有贷款需要偿还,令业主萌生断供的念头。

另一位业主则表示,自己早在9月份开始已经就没有再还房贷了,再加上腰斩的房价,令业主心生感叹,“这简直就是在填坑啊,无底洞,还了也没用。”业主还解释说,“昌平的房子还要还贷,而且房子从上个租客退租后一直没租出去呢,原本计划以租养贷破灭了,这两年一直疫情,我老公弄的KTV赔了不少。哎,实在是没钱再还了……”

另有环京的业主透露,自己听说5号楼有十几户已经断供了,估计也是彻底失望了!

房地产
(图片来源:网络图片)

除了河北,河南也出现断供的现象。近日,河南夫妻委托一位媒体人讲述了自己的故事,在网络上大火。丈夫张三原本是郑州市某饭店厨师,妻子小白是培训班的语文老师,夫妻二人几年前在郑州南四环买下一套总价115万元(人民币,下同)89㎡的房子,贷款30年,每月需要还款4800元,夫妻二人的收入足够还贷款和生活。

没想到夫妻二人遭遇疫情和教育双减的冲击,双双失业。目前只有张三一人在打零工,月薪只有4500元,连房贷都不够还。10月,张三收到银行的还贷告知书,如果无法及时还款,他的房子将面临拍卖,令张三如五雷轰顶:“人的崩溃都在一瞬间,而我的崩溃就在此时此刻。” 

不仅房屋面临法拍,张三还要承担房屋价格下跌的损失。张三当年的买入价是1.3万/㎡,而现在同样户型的房子,房价已经跌到了1.1万/㎡。 

其实,早在今年2月,房产市场就出现断供苗头。1月12日和26日,环京楼市燕郊天洋城一位业主黄先生(化名)在贴吧发帖,称自己愿意“赠送天洋城房产(目前还有贷款),先到先得。”

消息显示,房子是天洋城2号公寓楼,2016年买的,40平米,还剩70万以上贷款未还,但目前没有断供。由于业主还不起房贷,所以愿意将自己的住房免费赠送,但条件是愿意承担转让费用和来回路费。该消息吸引了众多网友的围观。大陆媒体华夏时报记者也确认了该消息的真实性。

中国近几年法拍房的数量不断激增,根据阿里平台的数据显示,全国法拍房的挂牌量飙涨近187倍,从2017年的9000多套直线上升至2021年的168万套。

不过,断供也为老百姓带来风险。银行会直接提起诉讼,不仅“百发百中”,且要求借款人支付一系列费用。有网友分享自己的亲身经历,2017年花了426万买了个三居室,其中298万是贷款,月供1.68万,四年还款总额为80多万,结果经济不景气,还不起贷款,银行直接选择了起诉。

网络图片
网络图片

据这名网友透露,法院传票寄到家来,有没有人签收无所谓,看不见是命,就算看见了也没什么争辩的余地,在这场官司里,银行是稳赢。

网络图片
网络图片

根据法院判决书显示,这名网友四年还的是利息64万,本金只还了16万,简言之,贷款还有282万元没还,并且因为被判决且败诉,这名业主还需要负责偿还这段时间产生的利息、罚息、案件受理费和律师费等,共计19万多。

更令人无奈的是,因为房价大幅下跌,业主400多万购入的房子,现在只值240万。如果想上诉、翻案,还得花三万块钱的申请费。

面对还不出钱的老百姓,中国政府还实行上征信记录措施,阻止对方乘坐交通工具,并且禁止在事业单位任职,且连累子女、父母。对于使用住房公积金者,银行还会打电话催促还钱。

除了个人之外,许多开发商也没钱“断供”了,多个城市出现“工抵房”现象,也就是工程抵押房,简言之就是开发商向银行贷款的期限到了,或者是欠承建商的钱也该给了,但是手里没钱,所以就用房子给银行或者承建商用于抵帐。

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