2018-08-21 21:06 | Zhejiang News Client Reporter Liu Qing
In the past few days, a netizen told the story of him buying a house in Hangzhou on the Koshui Real Estate Forum.
He is a student (doctoral student) earning 3,000 or 4,000 yuan a month. The house he bought is not a normal second-hand house or a lottery property, but a property that was auctioned for the foreclosed house and was once unfinished.
Before taking pictures of this house, he had not yet visited the community of this house to see the actual situation. It was taken directly online and the price was higher than the price of second-hand houses in this community.
First, let’s take a look at the specific story of netizens buying this foreclosure house, and then express their opinions.
For the sake of easy reading, this netizen tells the story of buying a house in the first person. The story is long, please read it patiently~
First introduce your personal background. I am born in the 1990s, married (not held a wedding), my parents have 5 children, I am the youngest, and I have 2 brothers and 2 sisters. In the environmental protection industry, I currently do guest research (not graduated) in a national research institute. The income is pitifully low, and the salary subsidy is 4,000+. I have been in Beijing for more than three years. Do you feel very low? I secretly reveal that when I was a guest master's degree in Beijing in early 2015, my monthly salary was only 800 yuan... Including the school's subsidy, it's barely 1,500 yuan.
My lover is engaged in the education and training industry in Beijing, with a master's degree. He is currently working in a private English studio in Beijing. He has been in Beijing for less than a year and has paid a mess of social security and an annual salary of 100,000+.
Deep consideration before buying a house
Due to the nature of my work, business trips are common, and buying a house also originated from a "business trip". In March this year, I went to Zhejiang Province to investigate environmental protection. Since the Provincial Environmental Protection Department participated in the discussion the next day, I arrived in Hangzhou in advance.
In fact, I also want to visit my relatives when I go early, because my elder sister and second sister both settled in Hangzhou. My elder sister just gave birth to a child a few days before the Chinese New Year, so I also want to see the children. My eldest sister graduated from a master's degree in 985, and my eldest brother-in-law graduated from a doctorate in 985. She is very smart. She has long bought houses, cars and other home businesses in Hangzhou. This time she went to chat with my eldest sister. Since she was preparing to hold a wedding this year, she considered buying a house in Hangzhou first.
Since my household registration is not in Hangzhou, and I don’t have Hangzhou social security, I was considering the unlimited purchase of apartments in Haining city and Hangzhou. After understanding, I was hesitant (actually, I just stopped buying and gave up).
is mainly considered that Haining city is still far from Hangzhou. Although there is a good appreciation space, it is likely that it is powerless to succeed, because Haining's house has been short sold (it has been speculated by the agency's house buyers until it is close to the top). If I go to Hangzhou to work in two years, it will be impossible to live in at all. At that time, I may face the dilemma of being trapped and inconvenient to take action.
Second, there is no restricted apartment purchase in Hangzhou, the property rights period is relatively short, and the unit price is relatively high. I am a relatively traditional person, and may be biased against small-area apartments, so I am PASS again. Having talked about this, I simply stopped buying the house.
A preliminary understanding of how to buy a house in Hangzhou
I have a very good high school classmate working as a real estate agent around Hangzhou. He often reads his friends' circle to post various house information. He always conveys the concept of buying early and getting better early in chatting with him. He will definitely not lose money. Since he couldn't see a suitable house, he looked at the rising house prices, but he was short of money and thought that he could not afford to buy a house in a few years. He was still a little "unfair, indignant, and helpless".
was on a business trip back to Beijing and kept in touch with her elder sister. One day in mid-March, she sent me a message saying that she had been helping me see an unfinished building. Yes, it was a bankrupt and unfinished building...
searched the information of this house online, and the screen was full of chicken blood. Negative information such as the bankruptcy of the developer and the special property difference came to me... I was really scared at that time. In my impression, unfinished buildings were all the buildings in the dilapidated ghost movies, no one cared about, old and poor buildings, and were photographed by judicial authorities. I know nothing about selling it, and I went online and Baidu to Baidu to take the process of auctioning houses. Various tax and fee traps. Do I want to buy such a house? After thinking about it carefully, I immediately gave up and felt disappointed and sad.........
Understand the house entrusted my family to conduct on-site inspections
Briefly describe the background of the house. It is located in Hangzhou old Yuhang . The original developer Huamen Group broke its capital chain and went bankrupt a few years ago. In the 2000s, the unfinished community was also serious. Later, the Hangzhou local government took over the unfinished building and auctioned more than 90 sets at one time on the Alibaba platform on April 1, 2018. The starting price of 10,000 yuan per square meter is relatively low. The starting price (evaluation price) of
was the pricing given by the appraisal company in 2017 years ago. In fact, the price of second-hand houses in the same community was between 18,000 and 20,000 yuan per square meter at the auction. The lower starting price also created a gimmick. I remember that Alibaba auctioned the homepage for several consecutive days and attracted a lot of attention.
New West Lake Town
Basically understand the approximate house. I entrusted my elder sister to go on a field trip in Hangzhou. She reported that after the government took over, the owners established a new property management committee and property company. The overall community was fine, but the property was relatively bad. What was surprising was that the occupancy rate of this community reached about 70%.
The eldest sister has a good brain and is a semi-strong woman. She said I suggest you participate, it depends on yourself whether you buy it or not. Since there is no purchase restriction and loans are available, in Hangzhou, the unit price of the low price is relatively low. After more than a week of online exploration and inspection (the negative news on the Internet did not scare me at all, and I read these lightly).
Because there is no house or social security, he is not afraid of wearing shoes with barefoot, and he admires his elder sister's motherhood. I decided to wade into muddy waters, so I, who knew nothing about court judicial auctions, experienced a small storm in my life in the next month.
Looking back now, I woke up in the middle of the night and watched the number of registered people participating in the auction in the early morning. I was sad to raise money, but I couldn't get the understanding of my family. I had too many emotions (I had a tendency to be irritable many times during this period) so that I could pay the full payment and complete the transfer. What I felt was not only happiness and relief, but more exhaustion and inability, just like experiencing a war.
received support from family members to choose a house to raise money
pair, what is the most important thing in buying a house? It is "money", "money", and "money"! After deciding to wade through this muddy water, I called my old father in Anhui (my mother has passed away for more than 7 years) and told me about my idea of buying a house in the court. I told my old father about the whole set of ideas from the beginning of buying a house to the elder sister looking at the house on site.
My father felt that I have been studying outside for so many years, and I will not develop in the county town of Anhui in the future. I have gotten married. Sooner or later I will buy a house outside. Now the housing prices are rising so fast. If you want to, just take a photo. As long as you want to, just keep it within a reasonable range. My father encouraged me, and then called my elder brother one by one to communicate, hoping to get their understanding. Fortunately, my elder brother and sister are quite supportive of me in participating in the auction. This is just a preliminary communication idea.
After winning the understanding of his family, choosing a house and raising an auction deposit became the top priority. Since there are still two weeks left to start auctioning, the screen of houses with more than 90 units were dazzled.
After several days of investigation and screening, let’s summarize: Among the ninety houses, they can be divided into three levels according to the size of the house.
The first grade is the top floor duplex, which is about 200 square meters, with the largest area, the highest total price, the cheapest unit price, and the number of followers and the number of applicants must be the least.
The second grade is a medium-sized apartment with an area of between 100 and 140 square meters. I personally think that they are both non-"firm-needed" apartments, with a slightly lower total price and a relatively high unit price performance, which is suitable for replacement people.
The third level is a small apartment with a basic need, with an area ranging from 76 to 99 square meters, with the smallest area and the lowest total price. I think the number of people with basic need is the most, which will definitely lead to the largest number of people paying attention and number of people applying for it, the most price speculation is strong, and it is likely that the phenomenon is higher than the market price in the end. Based on my PhD’s IQ, after-the-scene analysis, there were basically no major mistakes.
Understand forensic auctions. Filter the apartment type
After explaining the basic information of the property, let me talk about where the deposit for the auction comes from? That’s right, it’s a loan. Who should I ask? I could only be shameless and relying on the care and care of my elder brother and sister who had already started a family, one day before the auction, April Fools' Day, on April Fools' Day, I received a borrowed deposit of about 500,000 yuan (my elder sister borrowed it from Ma Huateng and was temporarily used as an auction deposit).
has a deposit of more than 90 units. In order to maximize money and save money, which house to choose, which one to choose?
can only be further filtered. I entered all the information that can be obtained from the forensic auction website into excel, and then did big data analysis by myself. The specific data include: apartment type, area, auction deposit amount, starting price, number of followers, number of applicants, tax amount, number of floors, number of buildings and other information that can be found, and recorded and updated regularly.
finally decided to choose three houses, including 77 square meters, 88 square meters, and 120 square meters, and participate in the auction at the same time. With the purpose of saving money, getting good houses and cheap houses, I paid three deposits (120,000, 240,000, and 160,000) 2 hours before the end of the auction.
New West Lake Town
With a deposit, I chose a house and decided to focus on the 77 square meters of houses with a firepower (the advantage is low in total price and cheap; the disadvantage is that the competition is large, the unit price is relatively expensive, and the probability of getting a shot is small). After determining my total price psychological price (the price given to me by my family is 1.2 million, and my own price is about 1.4 million. Afterwards, the transaction price is much higher than my psychological price).
finally came the thrilling auction session. Watching the major tycoons spend a lot of money, watching the auction prices rise wildly, feeling Cheng Yaojin who came out halfway when the transaction was approaching, witnessing the winning streak in the countdown stage, and watching as his price get closer and closer, exceeding his psychological price. Throw out the mouse tens of thousands of yuan... This feeling is very profound. People who have never experienced it have no say.
Grasp the skills of forensic shooting in real time "preparing for battle"
Because you want to shoot 3 houses, then act according to the opportunity and finally choose one. The auction period is 24 hours, and the bid was delayed by five minutes. I specially took a morning leave and focused on auctioning with my wife in the rental house. Because there is no way to take care of the three houses at the same time, the price is changing at any time.
So I stared at 2 sets (77 square units are as follows, 88 square meters), and my wife stared at 1 set (120 square meters). Before the auction, I had a lot of auction skills on Baidu online, and recharged myself for tutoring. Afterwards, it was still useful.
tips are mainly: don’t bid when you first auction, because the more bids, the higher the accumulated price of the product you sell; if you are determined to win, even if you are very confident in your heart, you can’t hesitate to increase the price. Increase the price as soon as possible, and give your competitors a momentum overwhelming, because once you hesitate, the opponent in front of the computer may see through your lack of confidence and launch a fierce attack on you.
In addition, you can increase the price by lightning a few seconds at the appropriate time on your own bid. Yes, it is to increase the price by your own bid. The advantage of doing this is that it is more shocking. Of course, the premise is not to exceed your expected price and do not harm yourself in the end.
experienced nearly 2 hours of fighting, nearly one hundred delays for nearly one hour and more than one hundred times, and after experiencing dire straits, he slowly despaired. I called my elder sister and asked her about her psychological expected total price. She said: My phone is out of battery soon. If you want a baby, you can decide for yourself. My total price is 1.5 million.
I was overjoyed. The price at this time is still more than 100,000 yuan, so what are you afraid of? My family has been cheering me up and being my most solid backing. Do it, don’t be afraid anymore, just don’t let myself regret it. Below is the final transaction record. As can be seen from the time interval, there are many obstacles in the first ten seconds of the transaction.
House type taken by
Based on my stubborn determination and ruthlessness, when I bid 1.55 million (exceeding the expected 50,000 yuan, the unit price has exceeded the price of second-hand houses), the competitor seemed to have retreated. Because I had experienced the final victory, in order to record the transaction moment, I specially recorded a video, so as to close my eyes and even dared not watch it 20 seconds before the transaction. I just made money like this, closed my eyes, the most difficult time passed, countdown 1 second, bang! The big stone fell to the ground and the auction was completed.
Processing procedures. I went to see the house in the community
. After the transaction was made, a lot of procedures were waiting for me. First of all, I raised money. Because I did not have a salary flow, I took the full payment route. The payment period is 1 month. If the full payment is not paid one month after the auction is completed, the deposit will be confiscated. I will also bear the difference in the auction next time after the auction fails.
I have no way out. For those who earn three or four thousand a month, I can’t afford to lose more than one hundred thousand auction deposits anyway. During the fundraising period, the full amount of more than one million yuan is unknown. What do you know what I experienced during this period.
House
After raising the full amount, the fee will be paid immediately and the procedures will be completed (all taxes + property fees + property maintenance fees + other miscellaneous expenses will be paid in total by about 120,000 yuan.) After six months, I got the property certificate.
Since I have not seen the house on site, I went to Hangzhou for the first time after the auction was completed. First, I had to go to the court, and again I had to go to the law firm, and then I couldn't wait to go to the community to see the house, apartment type, and the community environment.
In short, everything was much beyond my expectations (the information circulated online seemed to be old things). I spent more than an hour shopping in the community, took a lot of photos, went to the roof to see the lighting, looked for the property, and found the house to take the key to see the apartment. I learned that the house was 700 meters away from the subway, and the Hangzhou Light Rail Subway Room.
Everyone knows that after Hangzhou introduced the purchase restriction policy, foreclosed houses have always attracted much attention.
When netizens auctioned this house, the foreclosure house was also very popular, so the price of his transaction was higher than the price of second-hand houses in the community.
For the property in New West Lake Town, in December 2017, in the Taobao auction section, the "(break) Zhejiang Qingshuiwan Real Estate Co., Ltd.'s more than 34,000 square meters of commercial housing and other asset packages" was posted. At the same time, the official account of Qingshuiwan Bankruptcy Administrator also issued the "Auction Announcement on Zhejiang Qingshuiwan Real Estate Co., Ltd.'s More than 34,000 square meters of commercial housing and other asset packages". This property is the "New West Lake Town" located in Zhongtai Street, Yuhang. In January this year, a buyer bought this asset package for 430 million yuan. .
The editor checked the official websites related to second-hand houses. The latest transaction price of second-hand houses in New West Lake Town is 20,989 yuan/square meter. The conversion to the judicial auction house is indeed slightly higher than the current second-hand house transaction price.
Other netizens believe that if there is no problem in the judicial auction house, it still supports the urgent need to be decisive, and some people think it is a panic buying house.
So, what do you think about the story of this doctoral student buying a lawsuit in Hangzhou?
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