House price drops to just needing estate for, this covers a house I bought myself to live, also did not think of to want to fry a room, although house price rose, have nothing to do with with me, it is mentally only at most comfortable dot, even if house price dropped, just needing also is to living this covers a house, returning a room every months to borrow, unless economic situation is bad, just needing otherwise is impossible to choose to offer.
Nevertheless, once house price drops, to frying the meeting is disastrous for lodger. In fact, although house price does not drop, stand, fry lodger already intolerable also. Because, to frying the house is being bought for lodger is to should have financing cost, house price rises every year only 20-30% above, fry lodger ability to set one's mind at. So, if house price drops, frying lodger is the most painful. If house price head pay to drop did not have, that fries Lv of lodger unified exam to whether want to stop in time caustic.
Someone can say the possibility, house price drops, once abandon a room to break,fry lodger for, the bank is not to be able to have one pile bad Zhang. So, house price drops, should be the bank also met is there a loss? In fact, although house price drops, the bank is damaged also too won't serious, house price dropped 30% above, if it were not for is in short-term inside drop urgently, drop through long-term shade however, cause the panic of the market very hard, the reason that believes Wen Shui boils frog authority is very clear.
At the appointed time, fry lodger interior to also can produce difference, some people think house price is adjusted after all, be necessary to still hold to now, return somebody to think when from the back house price appears when rebounding again undersell house property is not late also. So, although frying the in-house impossible also centralized operation of lodger. Even if the part fries lodger to choose to abandon a room to break for, the bank also can take his room the court to auction a program, and the law takes a room is to hit 7 fold sell.
When the money selling a house after selling, deduct the cost of the bank, if had not paid off the money that owes a bank, that bank has authority to continue to chase after to the person that fry a room denounce the rest to buy house fund, till till fry,lodger is paid off. So, to frying lodger for, house price drops is to compare dread situation, be equal to the asset that is oneself considerably shrink, and the bank calculates already fry lodger to be able to abandon a room likely, to frying lodger head pay specific gravity is 40% to 50% . So, house price drops fry lodger disastrous. Meeting all the day kink at it is to wait a moment after all, still sell the house now change now.
Actually, frying lodger is not the biggest victim that house price drops, developing business just is the most painful, house price dropped, everybody is in wait-and-see condition, the house sold harder and harder. House price dropped, all financing channel can be tightened up, change of upgrade of loiter of loiter of loan interest rate. House price dropped, appear on the market instant of market prise of stock of room look forward to evaporates hundreds of, on 1000 100 million, asset of boss of room look forward to considerably shrink. And to in for small development business, house price dropped, debt expired centrally again, capital catenary is faced with it is dangerous to rupture, little room look forward to closes down in tide began again.
Likelihood to the bank, individual loan risk still is not very large, calculate somebody to abandon a room to break for, take a house to still can change show. But, the development that the bank lends development dealer is borrowed or other loan, if the bank is smoked,be borrowed or no longer bankroll support, development business appears likely sodden poop deck. If in little room look forward to happens close down wet, the loan that the bank puts in appears likely the result of bad Zhang. So, it is more careful that the bank borrows a respect in development however, close paragraph time has stopped large-scale put borrowed.
Once house price drops, after all who is disastrous? Of be the first to be affected is the group that fry a room, no matter be they cast a room to change ahead of schedule,show, still abandon a room to break for, metropolis incur is great loss. Those who remain is development business, the house sells do not go out, capital cannot steam again. In the meantime, appear on the market market prise of room look forward to drops, shrink of asset of boss of room look forward to, not can distressed? And to the bank, individual room shifts market risk or can accuse. What worry alone only is development is borrowed, and the of all kinds loan that offers a room look forward to, because in occurrence problem of little room look forward to, the bad Zhang rate of the bank can rise. Of course, to just needing the person that buy a house, house price rises drop to have nothing to do with me already, also not was necessary to go up house price drop look so again
