Tip 1: The bank is the weather vane.
Recently, the media often argue whether there is a "bubble" in the real estate market and whether the house price is high or low. This question is still left to economists to discuss. As owner-occupiers or investors, you don't have to worry about the ratio of income to house prices, and you don't have to worry about how to calculate the vacancy rate. Ordinary property buyers look at the market in a very simple way, that is, look at the attitude of banks towards mortgages, and the banks are loose, indicating that the market is optimistic; Banks are short of money, indicating that market risks are increasing. The attitude of banks is more real, accurate and credible than that of experts.
Tip 2: Just meet the demand.
People's herd mentality and habit of following the trend will make a real estate or a certain area more and more popular and the price will become more and more expensive. If it is expensive to a certain extent, be careful not to be "trapped" by real estate! After all, it can't be prosperous forever. So I want to tell my friends who buy a house and live in it that meeting their own needs is the best house. Before buying a house, set your own goals, compare and see more, but after moving in, don't compare and don't care. Psychological balance is more important than any material enjoyment.
Tip 3: refer to the average price
Just because the average price has fallen because of the increase of certain types of houses does not mean that the house price has really fallen. People who hold this view only talk about the surface of the problem, but ignore the real connotation reflected by the average price. The increase of a certain type of houses represents the market demand and reflects the government's policy orientation. There are many cheap houses, and the high-priced houses will definitely be affected first.
Tip 4: Buy up and don't buy down.
Real estate investment is the same as other investments. Don't think that you can touch the bottom line of the market price. If it is not for urgent needs, it is better to wait and see with money when house prices are falling all the way. I'd rather not buy the lowest price when the market starts to rise, and I don't have the psychology of bargain hunting.
Secret 5: Learn to "Seize the Opportunity"
If you want to make money in the real estate market, just like other markets, you have to be good at "seizing opportunities" sometimes. If you can engage in "internal subscription" for the real estate agent who has completed the building, it will be cheap because the formalities are not finished. Would you like to have a try? A house has a pre-sale permit, but the land use certificate has not been issued yet. Dare you buy it? At the same time, you should learn to buy expectations, such as knowing where there is a convenient road to repair or where it will be adjacent to the subway station. We shouldn't wait until the house is built, but it's better to buy it before construction.
Tip 6: Calculate the cost of raising a house.
The slogan "The house decides your life" has been publicized for many years, and some experts even advocate buying a small community, thinking that a small community can better show personality, but I think buying a house is buying a house. The larger the community, the lower the use and maintenance costs. Because buying a house does not mean that you can enjoy all the facilities and services in the community for free. Clubs and underground garages cost money when you use them; The more luxurious the lobby, the more public facilities, the more you pay; The fewer residents in a building, the more you pay for the elevator. Buying a house cannot ignore the cost of raising a house.
Tip 7: Choose the cheapest one.
Developers have different marketing methods, and expensive houses are not necessarily good houses. Some developers want small profits but quick turnover to occupy the market through price competition, while others set a higher price, thinking that selling 50% can achieve the effect of selling 90% through small profits but quick turnover, and would rather sell 50%. Therefore, when buying a house, if "not the best, but the cheapest", the house with similar quality in the same region has the lowest price and is relatively more resilient.
(The above answers were published on 20 16-03-07. Please refer to the current actual purchase policy. )
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