First, why not recommend young people to borrow money to buy a house?
Judging from the payment method of buying a house, the property market bubble in China is quite big, because many of them are loans, that is, many people overdraw their future income. In addition, relevant surveys show that the mortgage income ratio represents the repayment pressure of ordinary people, and the higher the ratio, the greater the pressure. Now China's mortgage income ratio has almost reached 40%. What does this mean? At that time, the subprime mortgage crisis in the United States was similar to the real estate crash in Japan!
So why are China people so keen on buying a house? On the one hand, because of ideas, everyone thinks in his bones that he should return to his roots and have his own house. On the other hand, is it the developer's? Conspiracy? Every day, I say that the house price will go up, so buy it quickly, or the house price will be more expensive in the future! As we all know, in real estate appraisal, the amount of mortgage application depends on the price. Before, you can find an evaluation agency, but now you can buy evaluation reports directly from petty bourgeoisie and public evaluation network, but the policy is getting tighter and tighter. For example, evaluating the price after trivalent integration is not the most important! -Examples of policies affecting buying a house.
Then why do many people say that young people around 30 no longer need loans to buy a house? We can analyze the reasons for buying a house from above. Ideas can be changed. Needless to say, if I can't change it, I think I can buy a house in the future anyway. Why use the old man's coffin now?
Secondly, house prices will not go up forever. Judging from the policy in the past two years, it is impossible for house prices to plummet or skyrocket, so if you think you have the ability in a few years, you can definitely buy a house. So you don't have to worry about the problem that it will be more expensive not to buy a house now.
Finally, in terms of policy, although it is getting harder and harder to buy a house, it is precisely the people who need to be taken care of. Don't say that the lottery will directly allocate some houses to those who just need them. Other policies, such as increasing affordable housing and low-rent housing, are also considered for low-and middle-income groups. It can also be seen from the housing reform in Shenzhen in May that only 40% of the houses in Shenzhen are commercial houses, which can be bought in the market; Others include * * * property houses and public rental houses. Therefore, the policy will be biased towards just need. Do you want to live in a house? 、? Let everyone live in a house? It's not a simple slogan, is it
Second, how to check and accept the house after buying a new house?
1, wall inspection is to inspect the house before handing over the house, after the heavy rain. At this time, if there are problems with the wall, it is almost inevitable. In addition to water seepage, there is another problem, that is, whether there are cracks. On the one hand, it is caused by the settlement of the wall, or it may be caused by the treatment left over from the construction or the poor adhesion between the base and the putty, so it is necessary to pay more attention to the correct treatment in the later construction to avoid future troubles.
2. Check the water and electricity First, check whether the water and electricity of the house are connected. Of course, for some owners, most water pipes and wires are to be replaced later, so sometimes these contents are not critical, but if you are not going to replace water pipes and wires, then these things must be carefully checked and accepted. Wire inspection, in addition to seeing whether it is charged, mainly depends on whether the wire meets the national standards and whether the cross-sectional area of the wire meets the requirements. Generally speaking, the home line should not be less than 2.5mm2, and the air conditioning line should reach 4 mm2. Otherwise, when using the air conditioner, it is easy to overheat and soften.
3. Waterproof test The waterproof mentioned here refers to the waterproof of the kitchen and bathroom. Of course, some of the houses currently delivered have already stated in advance that they are not waterproof and need to be done during renovation. If waterproof treatment has been done at the time of delivery, the waterproof quality needs to be verified. If you don't try before decoration and find water leakage after decoration, the maintenance project will be big.
3. What are the steps to decorate the house?
1, preparatory stage. This stage mainly includes the specific design consideration, transformation and preparation of the house decorated by the family in the early stage. The most important thing in preliminary preparation is the preliminary design work. In the design of home decoration house, we need to pay attention to local conditions and make clear the area of our house, which will play a good guiding role in the later construction and decoration. At this stage, the most important thing is to measure the house. After measuring the specific design space area, we will have a general concept of the design style of the whole family decoration house.
2. The medium-term construction stage. This stage is the concrete construction stage after the preparatory work. What is mainly carried out here is the main body reconstruction, water and electricity reconstruction, carpentry, tiling, wall painting, kitchen and bathroom ceiling, cabinet installation, wooden door installation, floor installation, wallpaper paving, radiator, switch socket, lamps and lanterns, hardware sanitary ware and curtain rod installation. The installation of curtain rod is also a sign that the family decoration is basically over.
3. Cleaning stage. After the end of the mid-term construction stage, many abandoned items were left behind when the family renovated the house. At this time, cleaning work is particularly important. Here, the cleaning of the house needs to be as thorough as possible to ensure the use of the house space.
It is suggested that we should pay attention to the right time when buying a house by loan, and at the same time pay attention to the way of loan and handle the loan according to our own needs. If you decorate a house, you should pay attention to the steps and methods of decoration, pay attention to the relevant preparatory work, and find a formal decoration company to ensure the construction quality.