Text | Microscopic first-line observation, author | Chu Qiao, ed Excellence
For young people on a budget, buying a house is a game against reality.
In order to realize the dream of "settling down", when looking for a balance between ideals and abilities, some people have found another way to set their sights on foreclosure houses that are below market prices.
However, foreclosure is not a "pie in the sky", and its inherent risks and uncertainties also make the road of "homeowners" full of twists and turns.
After someone photographed the house, they got caught in a long "tug-of-war" with the former homeowner and the judge; In order to have a deeper understanding of the foreclosure house, some people resolutely quit their jobs and infiltrated the foreclosure company as an "undercover agent"; There are also people who take over the house with great expectations, only to find that the "home" has been demolished beyond recognition;
But there are also people who open the door and see a spotless room, moved to tears, and silently blesses the original owner to make a comeback......
Here are the real stories about them:
Since last year, Jia Jia has been focusing on foreclosure houses.
Jiajia works in Beijing's CBD, and her goal is clear: the house should be within five kilometers of the company.
但她的預算只有三百萬。嘉嘉心裡清楚，這樣的總價在國貿周邊想安個家也不是不可能，不過只能買傳說中的“老破小”：房齡超過二十年，面積四五十平，樓道里貼著各種小廣告，上下樓需要爬步梯。
Figure | Communities that Jiajia has visited on the spot
"Have a place to settle down first, and then change it when the conditions are good."
With the mentality of "saving the country by curves", she downloaded several housing trading apps, and went to see the house as soon as she was free on the weekend.
Because it is a special disposal of assets, foreclosure houses usually start at a lower price, and there is a great opportunity to "pick up leaks".Some listings can even be sold for 30%-0% below the market price.This is undoubtedly a great attraction for Jiajia with a limited budget.
Jia Jia calculated an account: if you can find a suitable house in the foreclosure market, you can not only save a lot of money, but also use the remaining funds to renovate or invest.
Figure | Communities that Jiajia has visited on the spot
However, "picking up leaks" is not that simple.
嘉嘉曾經看過一套房子，戶型、朝向都不錯，起拍價格為200萬，而該小區同樣戶型的房子價格在350萬以上。
At first, she thought she could pick up a "big leak", but later she found out when she saw the court announcement.The original owner of the house, that is, the person subject to execution, died in the house.
"Under normal circumstances, there are only dozens of followers in a house, but there are more than 0 people in that house, and more than 0 people watch, but it has entered the second auction, and the number of applicants is still 0."
還有一套起拍價200多萬的房子，房齡相對較新，市值也在350萬以上，但看過標的調查表後，嘉嘉發現該房子並未騰空。
Because she is not sure whether there is a long-term rental tenant or someone with the right of residence, she does not dare to shoot such a house, otherwise she will be a little careless.It is possible to get caught up in a long "tug".
Figure | Communities that Jiajia has visited on the spot
有朋友曾跟她說，有人買過一套未騰空的法拍房，結果十多年都沒能住進去。原因是原房主已被執行死刑，而其母親八十多了，沒有其他住房，法院也無法強制執行。
Some people say that buying a foreclosure house is the same as gambling, it is all about luck. But in the opinion of Douyin blogger @TudouPeng,"The brave can enjoy the world first."
去年夏天，土豆彭以300萬元的價格成功拍下一套住宅。回想起當時的拍賣過程，他至今仍覺得有些夢幻。
該房源位於北京朝陽區，一拍價格為280萬元，有兩個人報名但無人出價；二拍220萬元起拍，吸引了25人報名。當時土豆彭的心理預期是260萬，如果超過這個價格就放棄。
然而，實際競拍比他預想得要激烈，還沒等他出價，價格就飆升到299萬元。因為已經交了20多萬的保證金，土豆彭決定嘗試一次，從299萬加到了300萬。本以為競拍還會繼續，沒想到自他出價300萬元，再無其他人競價。
Figure | Tudou Peng buys the real estate certificate of the foreclosure house
In this way, at the age of 30, Tudou Peng photographed his first suite in Beijing, which can be regarded as the "coming-of-age gift" he gave himself in the year of his establishment.
When he first heard the words "foreclosure room", Xiao Tang unconsciously associated it with the scene in the criminal investigation TV series. In her young life, she had never dealt with the courts.
After a few years of wandering in Chengdu, she fell in love with the city and wanted to have a "home" here.
"Owning your own house makes me feel like I belong."
But the limited savings balance deterred Xiao Tang Wangfang. It was through a friend's introduction that she first heard about foreclosure houses. Despite all the information she had looked up online, she was skeptical.
In order to learn more about foreclosure houses, Don Jr. quit his well-paying job and joined a foreclosure company. Now, she has been working in the foreclosure company for almost half a month, and she has a basic understanding of the ins and outs of the foreclosure house.
"Foreclosure is inherently a win-win solution:The buyer has the opportunity to buy at a lower price, the creditor is able to recover the funds, the court closes the case smoothly, and the debtor is freed.However, compared with ordinary real estate transactions, there are certain risks associated with buying foreclosure houses. ”
Risk, this is the first lesson that Don Jr. learned at the foreclosure company. Although the price of foreclosure houses is attractive, the hidden dangers behind it cannot be ignored.
First of all, foreclosure houses can usually only learn about the condition of the property through pictures and text descriptions, although the court will also organize on-site inspections, but the opportunities are limited. Some homes may be severely damaged, unpaid utility bills, utility bills, or even occupied by the original owner or others, making it difficult to repossess the property.
Secondly, some foreclosure houses may have problems such as unclear property rights, undischarged mortgages, and disputes over co-owners, resulting in the inability to transfer ownership or face complex legal procedures.
In addition, hukou relocation is also a major problem, and the original homeowner's hukou may not be able to move out for a long time, affecting the buyer's settlement needs.If you are taking out a loan to buy a house, the loan risk also needs to be considered. Forensic auctions usually require full payment within a specified timeframe, and if the loan approval is delayed or not approved, the buyer may be at risk of default.
"The foreclosure is the last step in a case, and the whole process often takes one or two years from the debt problem of the original homeowner, to the creditor's lawsuit, and then to the online auction of the property. If everything goes well with the foreclosure property, you may be able to get the title certificate in ten days and half a month, but getting the title certificate does not mean that you can move in smoothly, and the real challenge may have just begun. ”
花300萬拍下北京的房子后，土豆彭順利地拿到了房產證。然而，直到拿到房產證的那一刻，他還從未親眼見過自己的房子長什麼樣。
When he knocked on the door as the owner of the house, he found that relatives of the original owner lived inside. Since then, he has embarked on a long road to closing the house.
"I called the judge and asked when I could vacate it, and the judge said that he could not give me a clear time guarantee, so I could only try to communicate with the parties."
During that on-site inspection, Tudou Peng clashed with the people living in it and called the police. But the police couldn't solve the matter of vacating the house, so they could only go to the court.
“房子在我名下，我還著貸款，但是我沒地方住。”土豆彭很無奈，“300萬是我的全部身家性命，但在法官的眼裡，它只是許許多多案件中的一個，所以只能一遍遍地給法官打電話。”
Although it took more than three months to successfully close the house, relatively speaking, Tudou Peng was lucky. At least the original owner was willing to cooperate with the handover, and the interior of the house was kept relatively intact.
Figure | Photos of the scene when Tudou Peng closed the house
However, not all foreclosure buyers are as lucky as he is.
Someone shared his experience on the Internet: the pictures of the house seen at the auction showed the room intact, but when it was time to close the house, they found that the house had been demolished by the original owner and was in a mess.
Figure | The closing scene shared by netizens
The process of closing a foreclosure house is, to a certain extent, also a test of human nature. The way the original owner disposes of the house often reflects their true inner state.
Although some people have lost their property, they still maintain their dignity and decency, and keep their houses clean and orderly, but there are also some people who are unwilling or angry and vent their emotions by destroying their houses, demolishing doors and windows, smashing walls, and destroying water and electricity facilities, so that the new homeowners will "pay" for their loss.
"Some of the people who were photographed were also poor people, and most of them were still more sensible."
Xiao Tang remembers that once when she and her colleagues accompanied a client to collect the house, she noticed that the original owner deliberately cleaned the room before moving out, and the tables, chairs, and floors were spotless, as if the owner had just gone out of the house.
At that moment, the customer was moved to tears on the spot. She didn't know where the owner was now, but she silently sent her blessings in her heart, hoping that he would make a comeback as soon as possible......
Every house has a different life. Over the years of working as a real estate agent in Beijing, Da Yao has seen too many joys and sorrows.
He remembered the young couple who were crammed into a room of more than 10 square meters in the school district for their children to go to school; I remember the old gentleman who sold the house he had lived in for half his life just to treat his wife's illness; I also remember the rich lady who cried alone and looked lonely in the mansion.
The house is a container, full of all the things in the world.Da Yao gradually understood that what he was selling was not a house, but people's expectations of life. Some people want stability, some people look forward to change, and some people look forward to rebirth.
And foreclosure houses carry more stories. Behind every house that is auctioned is a life shattered by reality.
"It's embarrassing to see so many people who are in debt, who have lost their jobs, and have to 'live on the streets'."Da Yao sighed, "Every time I take over such a property, I hope that the next owner can bring them back to life, and also give those lives that have been shattered by reality a chance to put together again." ”
After seeing more houses, Jiajia also has a deeper understanding of life: "The life we see is often just what others want us to see, but the world is impermanent, how can there be so many things going well?"
Figure | Foreclosure listings on the web
Whenever I swipe the screen with my finger and click on those houses that are auctioned for justice, I always can't help but imagine the story behind the house - what kind of person is the person subject to execution? What did they go through?
There shouldn't be a few people who really want to be 'old guys'.Most people have been pushed to this step by the changes in life, and they are more or less sad and helpless. ”
As a senior real estate agent in Shenzhen, Liu Yang has handled many foreclosure cases.
Among the cases he came into contact with, there were ordinary migrant workers who lost their properties due to supply interruptions, small and medium-sized business owners who owed huge debts due to business failures and could not repay them, and business tycoons who once had unlimited prosperity but eventually fell to the bottom.
Among the foreclosure sites he has visited, Liu Yang is most impressed by the former residence of a well-known entrepreneur.
從踏入社區的那一刻起，奢華氣息便撲面而來。這是一套市場價接近一億的稀缺公寓，總面積超過四百平方米，起拍價為市場價的一半。
The former business tycoon is said to own hundreds of properties around the world, and this mansion is just a small part of his vast portfolio.
In Shenzhen's foreclosure market, luxury properties account for a significant proportion. High-end real estate projects such as Shenzhen Bay One and Mangrove Bay are often present, and the original owners of these properties are once figures at the top of the wealth pyramid.
"Sitting in front of the floor-to-ceiling windows with 360-degree panoramic views, overlooking the magnificent sea view, listening to music, drinking coffee, and tasting red wine, those scenes that ordinary people can only see in film and television dramas used to be their most ordinary daily life."
However, fate was mixed.
Some people have to start all over again because of investment failure or poor management, and everything returns to zero when they reach middle age; There are also people who will spend the rest of their lives behind bars because they have broken the law, and they will never have a chance to start over.
"No matter how much wealth you have, the ups and downs of life are always unpredictable. And the house is just a footnote in this journey. ”Liu Yang sighed, "Although there is often tragedy hidden behind the foreclosure house, I still hope that through my own efforts, I will try my best to bring about a happy ending." ”
Jiajia's house will start auction next month, and there are not many people who sign up, so she feels that she has a better chance of winning.
She began to imagine how she could transform this "old and dilapidated little house" into a cozy nest with a limited budget: paint a brightly colored wall, lay a log floor, and put a few pots of greenery to rejuvenate the old house.
After all, no matter how old the house is, it is also my own home.
(At the request of the author and the subject of observation, the names of these articles have been changed.) ）