Calculate how much money your home renovation
Who want to buy a house with their own ability, but with the rise in housing prices, the full purchase of a house for most families is a difficult thing, so the choice of loan to buy a house is more and more people, then hands of 100,000 can buy a house? Buy a house down payment is not enough how to do? Follow the editorial below to take a look at it!
A hand of 100,000 can buy a house
100,000 whether you can buy a house, subject to the traffic situation of the house, geographic location and the surrounding amenities and other factors, if you plan to buy a house in a remote town, the down payment of 100,000 can be to buy a house, but if you plan to buy a house in the center of the city, the down payment of 100,000 is basically impossible to buy a house, and in addition to the purchase of a house in addition to the down payment, you need to Preparation of taxes, public **** maintenance fund with pre-property fees and other costs, at least thirty-five million dollars on hand.
Two, buy a house down payment is not enough how to do
1, if the lack of funds is relatively small, and short cycle, in the case of a stable job and income, and their own credit record is good, you can apply for credit, but the applicant applies for a home loan, in addition to repayment of the loan principal and interest, but also need to pay back the credit loan, repayment of the pressure is very big.
2, in the case of housing prices have exceeded the purchase budget, you can consider lowering the standard of purchase, choose a smaller area or the location of some of the houses, that is to say, in conjunction with their own economic situation to choose the right house, there is no need to buy a house, let yourself and your family burden too much economic pressure.
3, if you have more friends and relatives, and your relationship is good, you can consider seeking the help of friends and relatives, but before borrowing money from friends and relatives, you must measure the economic situation of friends and relatives, and sign a formal IOU with the other side, the funds on hand should be paid back in a timely manner, so as to avoid affecting the feelings between friends and relatives.
Summary: the hands of 100,000 can buy a house on the relevant content is introduced here for you, I hope to help friends in need. You can choose to buy a house with a loan, but you need to pay a down payment, and not less than the minimum standard of the down payment, it is recommended to make a good budget before buying a house.
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How to buy a house with only 100,000 on handYou can take out a loan to buy a house.
Only 100,000 cash in hand want to buy a house, the customer can go to the real estate developer to choose the right property, choose an affordable housing, housing area does not have to be too large, the total price will not be too high, and then the 100,000 yuan of funds to pay for the down payment of the house, and then go to the bank to apply for a mortgage loan, to be approved for a loan to pay for the rest of the house payment.
And we need to pay attention to, mortgage down payment ratio is generally not less than a minimum of 30% (for example, a total price of 450,000 yuan of houses, the down payment at least 150,000 yuan), if 100,000 yuan to pay the down payment is not enough, you can to parents, around the relatives and friends of the borrowed money to raise enough money to pay the down payment.
And after the down payment to the bank to apply for a mortgage, the customer attention to the personal economic income, assets and other aspects of the material are well prepared (provided by the bank water can not be less than twice the monthly payment); and individuals have to maintain a good credit to do. If you don't have good credit, or if you don't have sufficient repayment ability, the mortgage will not be approved.
Note:
Whether 100,000 can buy a house is affected by factors such as the transportation of the house, the location and the surrounding facilities, etc. If you intend to buy a house in a remote town, a down payment of 100,000 yuan is possible to buy a house.
But if you plan to buy a house in the center of the city, the down payment of 100,000 is basically impossible to buy a house, and buy a house in addition to the down payment, but also need to prepare for the tax, public **** maintenance fund and the pre-property fees, etc., the hand at least thirty-five million yuan or so.
How to buy a house with only 100,000 on hand?
The use of collateral mortgage: borrowers can mortgage fixed assets, get a loan, and then the loan will be used to pay the down payment of the house, but you can not borrow too much money loan, so as not to lead to debt is too high so that the house is not able to apply for mortgage repayment.
Down payment installment: Some developers will launch a campaign is down payment installment. The down payment installment refers to the buyer first according to a certain percentage to pay part of the down payment and sign a loan contract, and then in a certain period of time will be the remaining down payment tail make up. The down payment advanced by the developer is interest-free, and the customer only needs to sign the relevant contract with the developer, agreeing on the repayment time of the installment as well as the relevant default responsibility.
Expanded Information:
Note:
Buy existing or quasi-existing houses whenever possible. This can avoid a lot of risks, such as the height of the window sill, the net height is too low, the balcony is not well designed, the pipeline equipment layer, the house is rotten and other quality problems.
In accordance with the law, the developer's promises in the building book or advertisement will be written into the supplementary agreement. If the developer does not agree to write it, you can prepare a small tape recorder to record the developer's verbal promises beforehand.
When signing a contract, follow the law and also sign a property management agreement in case the property management fee changes when you move in.
100,000 can buy what real estateShang Taofu
How to buy a house with only 100,000 in hand (women with 100,000 in savings want to buy a house)
Answered on 2022-11-11
100,000 yuan can be purchased to buy a small house.
The prerequisite is to meet the requirements of the local home purchase policy and make sure that the purchase is a first home. From the current situation, as long as you are sure that you want to buy a first suite, you can use 100,000 yuan as a down payment, and just expect to pay off the loan in 30 years.
The second is that you can only choose a small house: a set of residential apartment with 70 years of property rights in the range of only 30 to 60 square meters, or a set of 70 years of property rights in the 90's of the old house of 50 square meters, or commercial and residential apartments, or small property rights houses in urban villages.
Suitable for: young unmarried women, eager to work independently of the poorly paid singles; poor family circumstances, mother and daughter-in-law mother-child relationship is not harmonious, do not be subjected to children, daughters-in-law, the old man of the blank stare disdain.
Vision placement: to the central region of the county to find, such as Hunan, Hubei, Henan, Jiangxi, Anhui and other places. Southwest can go to the county under Guangxi, Sichuan can go to the county south of Sichuan, Northwest, Northeast can go in the affiliated counties around the area, such as Hegang's house 300,000 can buy 70 ~ 80 square meters 70 years of property rights of residential houses.
Southern people or stay in the South
If you are a southerner without any special circumstances, or not recommended to buy a suite of 100,000 to settle in the northwest, northeast of those small places to go, because of where the climate, the economy, and other overall conditions are relatively poor, it is recommended that the economic conditions are not good or the economic conditions of the South in general to stay in the central region it, the area's economy, culture, science and technology, education, although compared to the coastal areas, but not as good as the coastal areas, the economy, culture, science and technology, education. Science and technology, education, although compared to the coastal areas of the Yangtze River Delta, the Pearl River Delta, first-tier cities of the economy and other comprehensive conditions, but the overall ratio is not the worst. Most of the central region's economic level is still passable. These provinces under the county-level cities and counties of culture, education, health care, public security and other comprehensive governance for the average person's life needs can still be better met. To be able to enjoy the land of fish and rice in the south is also an ordinary person who feels happy. Make good use of 100,000 yuan, with 100,000 yuan in this area of the county can buy a set of 70 property rights 45 square meters of apartment-type housing: south-facing, with a kitchen, bathroom, balcony clothes, north-south average price of about 6,000 yuan, 50 × 6,000 = 300,000 yuan house ah. You can also choose to buy a set of early 90's 70 years of property rights 60 square meters of the old house, but also to the second-tier cities to find a set of non-central location of about 30 square meters loft two-storey commercial and residential apartments, the average price is estimated to be about 9,000 yuan, but also to the second-tier cities to buy a 60 square meters of small property rights of the residential housing in the village, but this small property rights can only be used to live in the house can not be used to invest in the sale of the, because it There is no title deed.