The current situation of people who buy Evergrande houses

Many people who bought houses in Evergrande expressed some fears. Since the exposure of Evergrande's debt problem in August 2022, the top management of the enterprise has repeatedly claimed to "guarantee the building and hand over the house". However, the reality is that some properties have reopened, and many properties are still untouched, which inevitably makes buyers feel pass the parcel.

As a giant in China's real estate industry, Evergrande Group has expanded its business to all parts of the country. With the break of the capital chain, Evergrande broke out a huge thunder that shocked the whole world.

202 1, a large number of institutions, industrial chains and investors cooperating with Evergrande found that there were problems in Evergrande's ability to make money and repay money, so they began to defend their rights and collect debts. After this chase, they found that Evergrande was heavily in debt.

Evergrande saved itself quickly, selling houses at discounts in major cities, and some even sent property fees. Although the news of the thunder storm of Evergrande came out, after all, as a leading enterprise, this business reputation still exists, so during this period, some people did buy a discount house of Evergrande.

But the result is also very sad. The money for buying a house was used by Evergrande, and the real estate project was in a state of suspension or even unfinished. This kind of feeling makes buyers feel as if they have made an idiot feeling.

Evergrande has also become quiet after the thunderstorm, and its financial problems will never be shown to the public. However, if the financial report is not shown this year, Evergrande will be kicked out of the stock market, so Evergrande barely showed its financial report a few days ago.

At this point, the more painful should be the owners of uncompleted residential flats. Although there are no specific figures, at present, Evergrande has 990 diversified real estate projects with a total area of about 65.438+0.6 billion square meters. China's per capita housing area is about 33 square meters, even a house for a family of three is 100 square meter.

Therefore, there are still more than 6,543.8+6,000 houses that have not been delivered, or have been stopped or not yet completed, which directly affects more than 6,543.8+6,000 families and nearly 5 million owners. They are still waiting for Evergrande to hand over the house, but Evergrande is almost completely flat.

After Evergrande released this financial report, these 5 million owners may have understood in their hearts that it seems impossible to deliver them all smoothly, but will they be the unlucky ones?

Calculation of real estate investment return rate

1. Calculation formula of real estate income model: return on investment = (monthly rental income-monthly mortgage repayment) × 12/ (down payment+mortgage repayment within the delivery time).

This is how the income from investing in real estate is realized. Buying commercial real estate through loans, then renting it out to get rent, and then repaying the "monthly payment" of bank loans with monthly rent, which exceeds the repayment amount of bank loans, is the return on investment of investors.

2. Analysis and calculation formula of real estate investment return rate: investment return rate = (monthly rent after tax-property management fee) × 12/ unit price of purchased house. This method takes into account the relative relationship between rent and house price. As long as the result is greater than 8%, it is a good investment. However, it is only a simple and rough calculation, without considering the time value of funds, and it is impossible to provide specific investment analysis for mortgage payment methods.

3. The analysis and calculation formula of real estate investment payback period: payback period = (down payment+mortgage payment within the delivery time)/(monthly rent after tax-monthly mortgage payment) × 12.

This method can simply estimate the payback period of investment, and it is generally considered that the result is a reasonable investment within 12- 15 years. This method goes further than the rent refund method and has a wider scope of application, but it has its one-sidedness.