Buying a house is a big deal, the price is expensive is not equal to the right. How can you choose the "right" house? Not only to rationally analyze their own actual situation before buying a house, but also combined with the demand for good housing. So how can you quickly understand what kind of house is suitable for you, what kind of house has value? Grasp these 3 major principles 5 major problems can be.
Principle one: the key to preserving the value of the location
The development of the house mainly depends on the location, good location of the house has a good **. As we all know, ** urban location is better than remote areas or suburbs, but for different cities buyers should also consider the future planning issues, such as whether close to high-tech parks, or the surrounding key colleges, hospitals and so on. A factor that is closely related to location is transportation, which can make up for the shortcomings of the location to a certain extent.
Principle 2: Supporting the weight
No community support will be perfect, the direct result of too much is the cost of purchasing a home to rise significantly, home buyers in the purchase of housing should be clearly prioritized. For example, the elderly need to focus on meeting the medical needs of the family with school-age children need to meet the demand for reading. In addition, the neighborhood environment is also a point of concern for home buyers, the investigation of the environment mainly includes two aspects: First, the internal environment, including greening, pedestrian and vehicular traffic, the distribution of garbage points. The second is the external environment, to be away from pollution sources, etc..
Principle 3: Follow the economic situation
It is very necessary for home buyers to analyze the market situation before deciding to buy a house. From the market level, although most of the cities in China's housing prices are still in a state of increase, but with the opening of the purchase restrictions in major cities, the rate of increase has slowed down significantly; from the policy side, due to the gradual mention of the topic of property tax in recent years, it is difficult to anticipate the future of the market situation.
According to the national policy direction, the non-owner-occupied housing will be further suppressed. So if you're looking to buy a home that you just need, you should be able to buy a home based on your own needs.
The above three principles are applicable to any home buyer, and understanding the following five questions can quickly help home buyers determine their target listings.
Question 1: What is the incentive to buy?
In order to avoid impulsive spending, homebuyers must be clear about their motivations for buying a home before they buy. For example, some are to improve their lives, some are to get married, and some are to retire. Different motives determine which city and which location the buyer should buy a house in so as to be able to correctly calculate the price range they can afford.
Question 2: How much equity is available?
Buying a home is often a family choice, so home buyers also need to take into account the family situation to make the appropriate decision, including family income and expenditure, family members' health, family members' emotional status, family members' career status, and so on. Each person in deciding their own consumption behavior should be based on the family's economic conditions for rational planning, do not blindly compare. Generally available assets include: existing realizable assets and income and expenditure status.
Question 3: How to determine the ability to borrow?
Applying for a bank loan generally requires attention to two aspects of the problem: First, personal credit status. The main situations that affect credit are late credit card repayments and late loan repayments, of which the most common are late credit card repayments. The second is to assess the monthly repayment amount and repayment period, usually the monthly repayment amount should not exceed 50% of the total household income.
Question 4: How to make up for the missing money?
How much money is missing depends largely on the outcome of the questions above. If you are facing a shortage of money, you may consider whether you or your family has a provident fund in your name, whether you can get support from friends and relatives, and whether there is a *mortgage* loan that you can take out.
Question 5: What happens when the risk comes?
Buying a home is about having a better quality of life, but remember to do a good risk assessment and consider the funds set aside, medical funds, etc., in addition to the fixed monthly expenses.
(The above answer was posted on 2017-05-16, please refer to the current relevant home buying policy)
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