As we all know, although most commercial houses can be "pre-sold". But the reality is that existing houses and faster houses have been preserved for a long time. However, the vast majority of "existing home sales" are due to the fact that they are not sold out during the pre-sale period, and the house will be converted into existing home sales after it is completely completed. At the same time as the "period" turns to "present", the selling price will also be adjusted. The price of existing houses will be higher than that of faster houses.

The reason is also simple, because the risk of existing homes is low and of course expensive. It is also a commercial housing project, and the prices of the same house, auction house and existing house are different, which exposes a hidden fact that buying auction house is similar to securities investment and has certain risks.

However, due to the rapid development of the real estate industry in the past two decades, real estate futures not only have almost zero risk, but also become the most profitable investment. As a result, many people seem to forget that they are "investing".

In real life, the goods you buy are generally in stock, so you can try them on or even try them before you buy them. The probability of not getting the goods or not getting the goods right is extremely low, except for faster delivery.

The essence of auction pre-sale is that developers don't have enough funds, borrow money from buyers to develop real estate, and then build houses that already belong to buyers and return them to others. Because the buyer does not have enough money, he needs to borrow (mortgage) from the bank.

And bank loans need collateral, so the house is mainly mortgaged to the bank in exchange for loans, so the house belongs to the bank during the mortgage period.

Therefore, once the auction is not completed, banks and homeowners will be frightened. However, this year is affected by the epidemic situation and macroeconomic trends. Developers "thunder" constantly. Some auction houses that are pre-sold are unfinished, which originally belonged to low-risk investment behavior and turned into high-risk, thus triggering social discussions on auction houses and pre-sale system. At present, the biggest appeal of the public is to give priority to protecting the interests of property buyers. This is of course right.

But what about other investors? Specifically, what about banks? What about the trust fund? If there are ordinary families behind the mortgage, then there are families behind the trust. In addition, housing enterprises generally have a project follow-up investment system for internal employees. Many times, it is mandatory to follow the vote. Once the project fails, who will pay for the investment? There is also perpetual debt, which is not on the balance sheet, but it is also someone else's money. Will you get paid or not? Of course, the most vulnerable are construction workers. Should priority be given to paying the wages they owe? Obviously, once the pre-sale auction is rotten, it is difficult to end and it is impossible to be happy again.

Under the background of declining demographic dividend, slowing economic growth and high housing prices, the pre-sale system of faster houses has done more harm than good, which is out of date, and the sale of existing houses will gradually become the general trend.