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炒房客这一年:资产缩水近四成
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Topic: 炒房客这一年:资产缩水近四成 (Read 75 times)
Duckling
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炒房客这一年:资产缩水近四成
December 12, 2017, 02:02:11 PM
#1
现年32岁的刘鸿(化名)五年前来到北京,他在赚到第一桶金后便开始投资楼市,近几年北京及周边楼市的暴涨也让刘鸿尝到了身价暴涨的滋味。
去年下半年,刘鸿更是不惜辞去咨询公司的工作,开始了“专职炒房”。
只是,在这一轮楼市的严厉调控下,刘鸿非但没有在楼市里捞到金,反而把自己和家人的资金都套在其中。据他粗略估算,目前自己的资产相较2017年年初已经缩水近四成。
辞职专心炒房
“我当时是这么想的,我一个月工资加起来不过税后不到2万,按照北京和周边楼市的暴涨速度,我投入1000万炒房一年赚个两三百万应该不算多。”刘鸿告诉中新经纬客户端(微信公众号:jwview),尽管当时家人和朋友均极力劝阻他,他仍然一意孤行,坚决辞职。
从去年下半年开始,刘鸿陆陆续续购入数套北京周边三县(三河市、大厂回族自治县以及香河县)的房产,而其中又以三河市燕郊镇的房产居多。
“燕郊离北京近,开车到国贸也就30多分钟。你想想,以国贸为中心,30公里为半径画个圈,燕郊的房价算不算是价格洼地了?” 在这样的投资逻辑支撑下,刘鸿赶在廊坊市的限购政策出来前,借用家人的户口本取得在燕郊的购房资格,在燕郊多个小区购入6套二手房。
“算下来,基本上均价在2万5一平左右。大部分钱是我自己和父母的积蓄,有一部分是从亲戚朋友那借的钱。当然也从银行贷款了,加起来每个月要还银行贷款将近2万块。”
让刘鸿记忆犹新的是,当时在购入燕郊某小区的一套一居室后,每隔几天中介都会告诉他,房价又涨了500元。在短短两个月内,那套一居室的价格就从168万元涨到了198万元。
“那时候感觉大家都很疯狂,我也很疯狂。两个月单这一套房就赚了30万,这是我以前一年的收入啊!”刘鸿说,当时他认为辞职是他做的最正确的决定,家里人也不再说他不务正业,不少远房亲戚知道后还主动把户口本身份证送过来,希望刘鸿也“拉他们一把”。
遭遇最严调控
刘鸿现在还记得,3月初的一天,他用计算器计算了一下自己的“身价”,按当时现价计算,刘鸿和家人名下的房产总计价值约1500万元。“这还不到一年时间,我感觉自己就升值了500万,当时有点飘飘然了。”
不过,让刘鸿始料未及的是,在这之后不久,一场席卷全国各地的楼市调控便开始了。
3月21日,廊坊区域出台了限购政策:对非本地户籍居民家庭限购1套住房且购房首付款比例不低于50%。
“以往也不是没碰到过调控,但是调控完以后,房价又会报复性的反弹,所以刚开始我也没太当回事。” 刘鸿说。
6月6日,三河市再次加码:对于非本地户籍居民家庭而言,能提供当地3年以上纳税证明或社会保险缴纳证明的,限购1套住房。
“这时我有点慌了,开始去找中介。中介还一直安慰我,没事,都是媒体在炒作,过段时间会好起来的。”
刘鸿也和其他的炒房客交流了一番,发现有好几个人都开始“割肉出局”。
“有好几个人因为还不起贷款,只好低价卖掉手中的两三套房来还贷款。”刘鸿告诉中新经纬客户端(微信公众号:jwview),虽然他现在还在硬撑着,但近期也一直在琢磨着是不是应该低价出手几套来缓解自己的资金压力。
中新经纬客户端(微信公众号:jwview)从链家网上查询到,之前刘鸿所述一居室所在小区目前单价约为1.7万元一平方米,相较高点回落近40%。
据刘鸿自己估算,自己和家人目前名下的房产价值约为900万元左右,相较三月初缩水近4成。“要是早点出手就好了,完全没想到这一轮调控会这么严……”
“我现在没有工作,每个月的贷款基本上都靠爸妈在还,他们也马上退休了。”刘鸿说,他现在唯一庆幸的是,没有像有些炒房客那样,动辄加好几倍的杠杆,虽然现在市场冷清,也不至于资金链太过紧张。
“今年就这样了吧,”刘鸿长长地叹了一口气,“年后还是准备去找个工作。房子先租出去,现在还暂时舍不得割肉,就当一阵时间房东吧!”
不过,据中新经纬客户端计算,以上述一居室为例,刘鸿购入总价为168万元,而目前房租为800元一月,不计通货膨胀的因素,假定房租每年以10%的速度上涨,刘鸿的这一投资需要约30年才能收回。
laodah
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Merit: 10
Re: 炒房客这一年:资产缩水近四成
December 12, 2017, 06:55:24 PM
#2
这么夸张,那还不来币市。。。
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炒房客这一年:资产缩水近四成
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