Of course, I have several such friends around me, and the epidemic has really had a great impact on everyone's lives.

A friend is a small boss, with only eight or nine employees. The boss is in charge of personnel, and he has accumulated some enterprise resources. Together with the hometown association, he has met some small and medium-sized enterprise bosses. His company's business is to serve these small and medium-sized enterprises and do some small system development, WeChat official account maintenance and order system. It is a typical outsourcing business.

In the first two years, it was quite smooth. Although it didn't make a lot of money, it was not bad. In the second half of last year, I was going to expand the scale and do my own service upgrade in the automobile industry.

I just made a plan and prepared to do it after the holiday. As a result, I caught up with the epidemic during the Spring Festival, so the new project did not cause any losses. However, when it did not open for several months after the year, the demand for customized development of those small and medium-sized enterprises decreased, and some even disappeared. He started to support the salary of nearly 11 people for three months, and then the salary was in arrears for one month. By May, he really could not support it. He invested a set of more than 61 square meters.

another friend, as I mentioned in another question and answer, came to Chongqing to open a restaurant. Last year, the market was very good. He opened four or five branches at a time, and all of them lost money in the first year. After all, the decoration fee, facade fee and labor cost were high. I thought that business would be good to recover some costs by the Spring Festival, but the epidemic came. After the Spring Festival, we stopped working for two or three months, and the monthly facade fee was more than 111,111 yuan. After three months, we closed two stores in April, and closed others in June, leaving only one. In July, he bought a house of his own, hoping to make it last ...

Of course, there are friends around him, ordinary office workers, who also sold their houses because of the epidemic. Their own monthly mortgage is relatively high. In the case of low income in Chongqing, they have to pay back a loan of 21,111 yuan per month, which used to be the salary of the couple, plus a set of rent, which is enough to cope. During the epidemic, the tenant withdrew his rent, the rent was gone, and his wife's job was gone. No way, he sold a suite in his hand.

let me answer this question.

because of the epidemic, there are many people who sell houses without money.

For ordinary people, during the epidemic, there is still some savings at home, so it is impossible to have a big famine, and the reserves at home can also be tested for one month.

I think the people who sell houses are probably entrepreneurs. Why do you say that? Entrepreneurship has not been successful, but it has caught up with the national closed management of the epidemic. However, rents and taxes are like a mountain, which is hard on the shoulders of entrepreneurs. Sales have not been opened, enterprises have stopped production, and employees' homes are resistant to the epidemic. These poor private entrepreneurs can only sell houses and land to solve the salary income of employees. This is a conscientious boss.

However, some entrepreneurs, seeing the bad situation, simply dispersed on the spot, and disappeared by themselves. Employees can't find what they want. For employees' unpaid wages, they can only recover them through legal and labor arbitration. There are many such cases in the real society.

after the epidemic, many enterprises resumed production, fulfilling the helpless pursuit of employees for their lives-working to earn money to support their families.

Many business owners selflessly donated hundreds of millions of dollars to help the sick people infected in Covid-19 during the epidemic. Some bosses are penniless, ignore life, and enjoy the wealth for themselves.

In today's society, there are many business operators who are rich and heartless, so what is the use of the state?

Therefore, both the success and failure of starting a business should put the interests of employees in the first place, and those who enjoy their own interests should sell their houses and land when they are in trouble. I think they deserve it.

as the saying goes, when everyone gathers firewood, the flame is high, and everyone gives a little love, your enterprise can continue to survive and develop.

This is entirely possible, especially for people who use high leverage to buy a house. Most of these people are real estate speculators, but there are also people who just need it.

the biggest impact of the epidemic on the people is that some people have lost their jobs, and without jobs, there is no income. If you can receive unemployment benefits, you can maintain your daily expenses in the short term, but the amount of unemployment benefits is not high, which can't completely cover the monthly mortgage expenses.

for people who don't have a mortgage, the temporary unemployment will not be so bad that they have to sell their houses to make a living. However, for some people who often repay more than 1 million yuan a month, a stable income is the basis for repayment. Generally, buying a house must have used all the money saved for the down payment, which shows that most house slaves don't have too much deposits. No deposit means that there can be no passive income such as financial management and investment, and living expenses and repayment of loans are completely maintained by monthly salary income. This will really put the house slaves who have lost their jobs in trouble. When the mortgage is not paid, there will be default, which will affect the credit information, generate additional penalty interest, and require the lender to return all the principal in advance according to the default clause in the loan contract. If the house slave can find a suitable job to renew the mortgage, the problem is not big, and at most he will face some penalty interest. But if you can't find a good job, you really just have to sell the house. Otherwise, after the bank sues and enters the auction process, the price of the house will be lower than the market price, but it will lose more.

Other people are typical real estate speculators. When the epidemic makes the real estate market transaction depressed and the price no longer rises, their cost is great. Because the funds of real estate speculators are costly, the money they use for down payment may be borrowed from usury. Therefore, we have to pay not only the bank loan, but also the down payment, and the financial pressure is very great. If the house price no longer rises rapidly in the short term, the longer the delay, the higher the cost, the greater the financial pressure and the more losses. This will force them to make a decision to sell the house.

to sum up, there are not many people who sell houses entirely for their livelihood. However, people with heavy mortgage pressure and tight funds may sell houses for their lives.

yes!

Life is more important than anything else. Without life, what's the point of wanting those houses! As the saying goes: every man for himself, the devil takes the hindmost! With a strong body, we can have children and benefit future generations!

that's for sure!

I believe everyone has seen this news, that is, a programmer in Shenzhen had a monthly salary as high as 35,111 yuan and a monthly payment of 21,111 yuan. Although his life is stressful, he can barely get by. After all, he still has more than 11,111 yuan in income for expenses after paying off the monthly payment.

However, due to the epidemic in the first half of the year, the programmer lost his job, and his family suddenly lost their financial resources, and the job search was not very smooth. After the deposit is consumed, I feel that my supply will be cut off soon.

This clearly shows how much the storm at the beginning of the year has affected some highly leveraged families. If there are unexpected circumstances, these families may lose their mortgage.

Actually, this kind of thing happened not only in Shenzhen, but also in Yanjiao. Because statistics show that in the past year, the number of auction houses in Yanjiao has increased from 98 to 218, and the number has more than doubled. These houses are basically houses bought by high leverage at the beginning, but now they have to be continuously supplied for economic reasons.

So these examples also illustrate a problem, that is, buyers must consider their own economic strength when buying a house, and never let themselves bear excessive leverage pressure, because it will bring huge risks. Therefore, what I have been emphasizing is that it is best not to let the monthly payment exceed 31% of the monthly income when buying a house, because this ratio of monthly payment to income is the most reasonable, which will not bring much pressure to life, but also allow buyers to own their own houses in advance.

I just sold a set, so I can't help it. The quality of life can't be lowered.

Yes, we are considering this problem. We are overwhelmed by debt and want to sell our house.

If it is to solve debt or difficult problems, there may be! If you live a simple life, there should be no, and now the house is not easy to sell!

I haven't heard of it anyway.

The most important thing is that it can be sold!