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North drift to buy a house for 5 years earned 3 million but 2018 to buy a house, do not learn to think like this!

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

Since the news of falling house prices since last year, I thought it was a good thing for buyers, but the fact is not necessarily the case. Take Beijing as an example. In 2017, the transaction volume of the entire second-hand housing market was halved. It is not difficult to find out in the study. Among the buyers, there are not many people who improve the house-changing. According to the data monitored by the chain, this ratio is as high as 67%. In the eyes of others, these people who already have houses are considered to be winners in life, but some people are right.Rong 360 said roomJun (fangdai123) said that they have some regrets.

What do you regret?

There is a person named Mumu who came to Beijing for many years. In the early years, because the husband’s unit had a welfare quota, there was no rush to buy a house. However, as the house price went up, it became clear that it was not realistic to wait for the room to be rented. So with the support of her father-in-law, she bought a 60-flat small house in 2011 with a total price of more than 1 million. At first, my mother-in-law was opposed to buying a house. I felt that there was a welfare room. I had to buy a house, waste more, and the house was still so expensive. If I had a loan, I would still have to pay bank interest. Finally, under the persuasion of the young couple, I barely agreed to buy a small house, and I was not willing to pay a penny.

Later, with the baby, the mother-in-law lived with them to help take care of the children. As the baby grew older, the scope of activities became larger and larger, and the house with 60 flats was obviously not enough. Although the welfare room has come down, the area is not large, and the traffic in the community is not convenient. Last year, the couple thought about selling the 60-flat house for a larger one. The old house could sell for about 4 million, the house to be bought was about 5 million, and the loan was about 1 million.

Compared with those who bought the house for the first time, they have to pay nearly 200 down payment at a time. Mumu has an old house to realize, and the pressure is a lot less, but she regrets a bit and regrets how she did not buy a bigger house. It’s tossing now. Because according to the standards of the first suite and the second suite in Beijing, there is a house under the name of the couple. Even if the loan is paid off, the house will be sold, and the house will still be counted as the second suite. The minimum payment of 60% will be paid. The implementation of the house, although the house price has dropped, but the overall purchase expenses are increasing. When her mother-in-law heard a three-million down payment, she suddenly panicked. She regretted more than this: How many suites can I buy a few years ago? If I had to pay more for the down payment.

I am afraid that there is more than a Mumu family, but not everyone can be as lucky as Mumu. If you look at it from another angle, it will be a bit more sensational than those who can't even buy the first suite.

The North drifts the guy down, and the parents are doing small business in their hometown, which is a well-off family in the local area. It has been developed in Beijing for many years. In the early years, in order to let his son have a place to stay, his parents bought a 50-flat house in Beijing in the name of his son. Later, he had a girlfriend and his girlfriend was a native. My mother-in-law made a speech: I changed the house before I got married. I am a baby girl. After I have a child, the small house is definitely not enough. The fallen parents are also open-minded, and the son is happy, buy it and buy it.

At the beginning of last year, I fell in the middle of a set of two-bedroom, with a total price of more than 5 million. I had a down payment of 3.5. I came up with a 3.17 policy. The down payment suddenly rose to 60%, and more than 2 million down payment. When I caught up with the small shop at home, I had a problem with the capital turnover. The money for selling the house could not be used for the down payment. Because the funds were tight, I had to give up the house replacement plan. The parents expressed their deep feelings and regretted not buying big at that time. Point the house.

Regardless of whether the house is successful or not, I will look at my own experience of buying a house. I always feel that I am not willing to do so. Mumu and my mother-in-law have successfully lived in a big house, but the multi-million down payment still makes them forget; the house is not replaced by a house. The feeling of loss in my heart is enough for them to slow down for a while.

But don't forget,Others can't buy a house because they don't have the money or the qualification to buy a house.There is always an unsatisfactory place to buy a house. When I bought a small house, it was not because of my financial ability and psychological endurance. If I bought a big house, I might complain, complaining about the monthly supply and complaining. ...

There is a lot of nonsense, there is only one truth, that is:Buying a house is too early, if you have money, don’t be greedy.Do not believe you give it a try.

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