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 delivery of the building". However, the reality is that some properties have reopened, and many properties are still motionless, which inevitably makes buyers feel knocked.

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, a huge thunder that shocked the world broke out in Evergrande.

In 20021year, a large number of institutions, industrial chains and investors cooperating with Evergrande found that there were problems in Evergrande's manufacturing and payment capacity, so they began to defend their rights and collect debts. After this chase, they found that Evergrande was heavily in debt.

Evergrande quickly saved itself, selling houses at discounts in major cities, and some even sent property fees. Although the news of Evergrande's thunder storm came out, after all, as a leading enterprise, this kind of commercial reputation still exists, so during this period, someone really bought a discount house for Evergrande.

But the result is also very sad. The money for buying a house was used up by Evergrande, and the real estate project was in a state of suspension or even unfinished. This feeling makes buyers feel that they seem to have made a stupid feeling.

After the thunderstorm, Evergrande became quiet, and its financial problems will never be shown to the public. However, if its financial report is not presented this year, Evergrande will be kicked out of the stock market, so Evergrande reluctantly presented 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, Evergrande currently has 990 multi-property 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 of three people is 100 square meter.

Therefore, there are still more than 6,543.8+600,000 houses that have not been delivered, or have been stopped or unfinished, which directly affects more than 6,543.8+600,000 families and nearly 5 million owners. They are still waiting for Evergrande to hand over the house, but Evergrande is almost 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 people?

Calculation of real estate investment return rate

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

This is how the income from investing in real estate is realized. Buy commercial real estate through loans, then rent it to get rent, and then repay the "monthly payment" of bank loans with monthly rent. The part that exceeds the repayment amount of bank loans is the investor's return on investment.

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 can not provide specific investment analysis for mortgage payment methods.

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

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