In recent years, especially in big cities, house prices are unlikely to fall sharply, and the pressure will continue. Then, how should the "drifting family" buy a home? What problems should I pay attention to when buying a house for the first time? We should all have some knowledge, especially in special times, so it is not convenient to go out to see a house and buy a house. As a property buyer, we should also reserve professional knowledge, especially after the house is not speculated, the national house price will no longer generally rise, and the professional requirements for buying a house are getting higher and higher.
Then we just use this time to learn more about buying a house. In addition to the five principles I told you a few days ago, I will continue to talk about the remaining five principles today. 1, recognizing the situation is not afraid of difficulties; 2, buying a house, it is difficult to expect a general salary; 3. Don't just buy a "house"; 4. Have a work plan and work objectives; 5, clear their own housing demand ability.
So, search for good houses from the internet and find more good houses.
6. Lot location is the most basic principle of buying a house.
There is a famous saying in the real estate industry, "the first is the lot, the second is the lot, and the third is the lot." Although this is the reason for developers to choose a site, buyers also follow this principle in choosing a house.
For young drifters, there seems to be no choice but to buy the urban core or suburbs. In fact, buying a house is a gradual consumption principle. If you can't afford it in the core area of a big city, you can only choose the suburbs, which are different from the suburbs. This is the principle of drawing lots.
Pan Shiyi, a real estate tycoon, once admitted that it is most important to be a real estate lot. He also said that he is very optimistic about the assets of Beijing and Shanghai. He believes that the next step may be that money is worthless and real estate will be valuable. In the future, he will not buy real estate, but buy land to build a house. He said that he would take the land in the most prosperous place in the first-tier cities. This shows the importance of lots.
7. Adhere to the principle of ladder consumption and gradual purchase of houses.
Everyone wants to buy a house in the core area of a big city, but due to their own strength, most of them can only choose the suburbs. Few drifters buy houses on the Second Ring Road, but they have no money to buy them. And "drifters", especially first-time home buyers, can choose a mature community with convenient transportation, or a small apartment with reasonable pattern. Maximizing the use value of space and area is the best cost performance.
Adhere to the principle of "from the far small to the near big", you don't need to do it in one step, because the house is constantly upgrading and changing, and your ability is limited. Began to buy a house in the outer suburbs of a small house.
8. Never trust propaganda.
In the past, the publicity of developers was really attractive, but more and more buyers realized that many times developers were exaggerating and fooling buyers.
Therefore, propaganda should not be credulous, and property buyers must verify it in many ways, distinguish between authenticity and falsehood, and do not blindly follow suit.
9. Use the repayment method skillfully to effectively save interest.
For borrowers with low income but relatively stable income, it is more cost-effective to choose the repayment method of equal principal and interest. Because the repayment amount is the same every month during the loan period, it is beneficial for the borrower to allocate funds reasonably and plan the financial plan, and it is also simple and easy to calculate, saving too much calculation trouble every month.
Of course, if the current income is relatively high, borrowers who may reduce their income in the future can choose the repayment method of average capital, and the monthly repayment of the principal is the same, which means that the interest paid in the early stage is relatively large and gradually decreases, so the early repayment amount is relatively high, and the monthly repayment pressure is relatively high.
10, the principle of clever use of provident fund
It is well known that provident fund saves interest, especially in the case of tight funds, its advantages are more prominent. As long as it is used reasonably and effectively, the housing provident fund can not only help buyers realize their dream of buying a house as soon as possible, but also save money for buyers and make it easier to buy a house. Make good use of your provident fund, it is real money to help you buy a house.
Because the interest rate of provident fund loans is much lower than that of commercial loans, buying a house with provident fund loans can save a lot of housing costs. There are still a lot of tricks in this, and we will discuss it step by step in the future.