In 2019, I bought a river view house, four bedrooms, two living rooms and two bathrooms. There was no impact from the epidemic at that time, and housing prices soared. Although I had all the money after buying it, I thought that I could live in my own warm house immediately. My wife and children were full of energy. However, people were not as good as God’s. A sudden epidemic broke my previous plan because I was doing physical business, and my business was getting worse day by day, and I couldn’t support it until I was there.
So I couldn't pay my mortgage
to stop
Suddenly a beautiful girl found me
asked me to deal with the house to her
I asked her how she knew my situation
She said it was not important
But she knew that I was doing business before
0 The epidemic in the past two years is so Busy
1.1 million yuan mortgage payment, and it will not be moved.
Once the supply is cut off, the bank will definitely take away the house
Your house was purchased before 1.65 million
If the bank auctioned my house
According to the 20% discount, it will be about 1.3 million
Speaking of this, I felt cold on my back
Quickly take out the pen and paper to calculate
html ml1
The house is 1.65 million
The down payment is 30% loan of 1.1 million
I have already paid more than 300,000
According to the 20% discount of the court, it is 1.3 million
Now, the auction is 1.3 million
Now, the auction is 1.3 million and it will be lost immediately.
Then the beauty laughed so hard when she saw me saying this
Suddenly she told me seriously again
I asked me to take out the contract and show her
Then he pointed out that my loan method is equal principal and interest
I paid back in the past few years basically the interest is not much principal
Then I immediately called the mortgage center
As expected, I paid more than 300,000 yuan to get 100,000 yuan principal
is equivalent to 1.65 million house payment and 550,000 yuan down payment
paid more than 300,000 yuan in the month and owed the bank 1m
owed the bank 1m 1.3 million
I invested a total of 900,000 plus 150,000 decoration fee
I lived there for 3 years and lost 750,000
When the beauty saw me, she came over and told me directly
If I cut off my debt, it is a default
You have to increase the benchmark interest rate by 1 times
Charge penalty interest and case fees and preservation fees, etc.
Say at least 100,000 missing
The beauty then said that I calculated according to the previous housing prices
How much has the housing prices fall now? I don’t have any hindrance in my mind
If I could still sell it at the original price, I might have sold it
I was panicked
I felt that I had invested 1 million
After the supply was cut off, I couldn’t get a penny for the auction. 1
Then the beauty said that I thought of a way for me
advised me to sell her house for 200,000
Give me 200,000 ml
I used to write off the money I invested in
She will pay the next mortgage for
Ask me if I want
I thought about it and thought
If the supply was cut off, I might not get a penny for
After all, the house has dropped again
I still owe the bank 1m capital
It would be better to agree to the beauty
to deal with the house 200,000 yuan in cash.
When signing the contract, I also asked the beauty specifically what the beauty does
I looked at me and said brother
My business is called non-performing assets
thou tell me what is the better way to do after encountering a cut off
Is my approach wrong?
