First, don't spend all your money on the down payment.
When the purchase plan is determined, a large sum of money must be prepared. From the deposit of buying a house to the later decoration, the capital consumption is very large. The initial down payment is a threshold, and the rich may not care, but for families who just need it, it is a lot of money, and many people can't spend all the money to make up the down payment.
If the deposit and down payment are paid in this case, you may get into trouble, and the investment in the later period may be stretched. No matter how you calculate your ability to pay, you should deduct the daily living expenses and children's education expenses from the predictable income level, and also prepare some money to deal with occasional large expenditures.
Second, don't just consider the status quo.
Some people want to be house slaves, but they don't want to be house slaves for 20 or even 30 years. Even if they choose a 30-year mortgage, they will try to reduce their daily expenses and repay the loan as soon as possible. In fact, this is equivalent to adding more pressure to your present life. We don't think it is necessary for buyers to do this at all.
At the beginning, we should combine our own income, determine a reasonable loan amount and loan period, and have confidence in our future income growth. Mortgage is both pressure and motivation, not to mention currency depreciation!
Third, don't make a down payment easily
Many property buyers will be attracted by various promotion methods of the project when they look at the house. Did not determine their real needs, did not see the pros and cons of the house, they rushed to pay the deposit, thinking that they were cheap. As we all know, all the advantages come from property buyers, and the marketing plan is determined on the basis of ensuring a reasonable profit ratio of the project.
A few of these marketing schemes may be really profitable, but most of them are fake profits that poke the pain points of buyers. Do a careful investigation and don't be easily carried away by the quotation.
Fourth, consider the housing demand.
Housing needs must be considered. You may not buy a house to live in, but the people who buy your house may live in it, and the final buyers all live in it.
Many property buyers will consider various supporting facilities when buying a house, such as transaction supporting facilities, medical supporting facilities and transportation supporting facilities. These supporting facilities naturally support the preservation and appreciation of the house, but many people just ignore the core function of the house. Who wants to buy a house that is difficult to live in?
Developers in the design of real estate, because of profits and various costs will design some houses with poor orientation and poor huxing. Good huxing, square external walls and high practical area are all necessary.
Fifth, residential property.
Buying a second-hand house can generally be seen directly, but not necessarily buying a new house. We can inspect the orientation and floor of the apartment by ourselves, but the property is soft and difficult to inspect.
The property inspection of second-hand houses is relatively simple. Whether the gate of the community can keep pace with the times, whether the entry and exit registration procedures are strictly implemented, and the cleanliness of the community can reflect the level of property services.
It is more troublesome to check the new house property. When buying a house, you should understand the relationship between the property company and the developer. Small developers generally cooperate with third-party properties, and many large developers are their own properties. This kind of project is relatively safe.
Sixth, try to avoid square areas.
It is suggested that buyers avoid the inner square area and the big square facing the street, because it may become a noise source, because the open space may be used for square dancing, which is the experience of those who have experienced it.
(The above answer was published on 2016-1-11.Please refer to the current relevant housing purchase policy. )
Click to view more comprehensive, timely and accurate new house information.