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North drift 5 years to buy a house earned 3 million but in 2018 buy a house Do not think he thought so!

Time: 2018-01-06         Source: Financial 360 original         Author: Desert Heart

Since last year, there has been constant news about falling house prices, which I thought was a good thing for buyers. However, this may not be the case. Take Beijing as an example. In 2017, the transaction volume of the entire second-hand housing market will be halved. A careful study shows that among the buyers, there are a few people who improve their apartment exchange. According to the data monitored by the chain home, this ratio is as high as 67%. In the eyes of others, these people who already have the house are regarded as winners of life, but others are right360 room to meltJun (fangdai123) said they were a bit regrettable.

Regret what?

There is a bit called Mu Mu Beijing for many years, as early as her husband had welfare housing units, there is no hurry to buy a house, but seeing prices go up, and gradually realized that this is not realistic waiting room, after all, has been rented, So in the support of her father-in-law, in 2011 bought a set of 60 flat houses, the total price of more than 100 million. At first, her mother-in-law opposed to buying a house and found it obvious that having a welfare house had to buy a house and wasted more money. The house was still so expensive, and interest on the bank was also levied on loans. Finally, under the conviction of a small husband and wife reluctantly agreed to buy a small house, down a penny more than willing to go out.

Later, with the baby, her mother and mother lived with them to help take care of children, as the baby grew up, the scope of activities more and more, the house is obviously not enough to live in 60 flat. Although the welfare room down, but the area is not large, where traffic is not convenient. Last year, the couple thought about selling the 60-flat house for a bigger one. The old house could sell about 4 million or so, and the house to buy was about 5 million yuan, with a loan of about 1 million yuan.

Compared to those who first time buyers, once to come up with a down payment of nearly 200, a wooden house with a cash flow, a lot less pressure, but she was a bit regret, regret not how to buy a big house, do not have Toss now. Because in accordance with the Beijing first suite, the second suite standard, the couple had a name in the name of the two, even if the loan is paid to sell the house, and then buy a house still counted as two suites, to pay at least 60% down payment, interest rates are floating in accordance with The implementation, although the price drop, but the overall increase in home purchase expenses. A mother-in-law heard about three million down payment, suddenly panicked, than she regretted: This is how many suites can be bought a few years ago, ah, if the original ruthless heart down payment more down payment just fine.

I am afraid there is such a regret not only Mu Mu family, but not everyone can be as lucky as wood, from another point of view, compared with those who can not even buy the first suite, it seems a bit hypnotized.

North drift guy fell, parents do small business in his hometown, well-off families in the local. Settled in Beijing for many years, in early years, parents in order to allow his son to settle there, he was cruel to buy a son in Beijing in the name of a small house to 50 to Ping, and later had a girlfriend, girlfriend is a locals, prospective Mother-in-speech: before marriage to the house for it, I will be a baby daughter, after having a child, a small house certainly not enough to live. Falling parents are open-minded, like the son happy, buy it buy it.

Early last year, fell in a fancy set of two-bedroom, with a total price of more than 500 million, the original down payment of 3.5 achievements can be, and later out of a 3.17 policy, suddenly fell to 60% down payment, all of a sudden out of more than 200 million down payment, this Time to catch up with the shop at home out of the question needs cash flow, selling the house can not be used to pay all the money down the money because of financial constraints, fell had to give up the program of exchange of property, parents deeply guilty of this regret did not buy large Point the house.

Regardless of the success or failure of changing rooms, will look at their own experience of buying a house, always feel a bit unwilling, wood and mother-in-law to succeed in a big house, but overpayments still let them forget the millions down payment; The sense of loss in my heart is more than enough for them to slow down.

But do not forget,There are people because not so much money, or no purchase qualifications to buy a house yet.There are always unsatisfactory ways to buy a house, then buy a small house, not because of their financial viability, psychological affordability in that, maybe buy a big house will still complain, complain about the month for more complaining about the location is not good ...

Nonsense to say a lot, the truth is only one, that is:As early as possible to buy a house, rich do not buy a big corruptionDo not believe you give it a try.

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