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In 2018, five types of people are not suitable for buying a house.

Time: 2018-01-08         Source: Rong 360 original         Author: Sailor Moon

On weekends, two important events occurred in the property market. One was the cancellation of purchases in some parts of Lanzhou, and the other was the release of the Nanjing Human Resources Policy.

The following is part of the contents of Lanzhou:

 

Nanjing high-level talent settlement policy:

Especially in Nanjing, high-level talented people are no longer subject to household registration restrictions for buying a suite in Nanjing, and provident fund loans can be loaned up to 1.2 million. A friend askedMelt 360 HouseJun (fangdai123), the current market is not to let go and buy a house ah? However, things are not all suitable for buying a house. The following types of people should be careful when buying a house.

  1. Newcomers entering the job market intending to buy a house in a big city

For newcomers working hard in big cities, faced with high prices, both in terms of economics and experience, they are relatively lacking. They basically rely on the support of their parents for support. They would like to initially say that the rent for the first three months of Fang Jun is 360 What is the mother's advance? In this case, if you back your mortgage, you will undoubtedly increase your life burden, because some people will still have to rely on their parents if they have to repay their debts.

In fact, it is not that we do not allow everyone to buy a house. Instead, we must teach people not only to stare at Guangshen in the north, but also think about going to a second-tier city with a lower price compared to a big city to settle down.Buying a house for a long time to see the population and industrial development, as long as the population flow into support, the property market will form a virtuous circle, it will not become a bad check.Nowadays, many second-tier cities, including Nanjing, are attracting talents and enterprises. Young people who have just graduated can seize this opportunity to plan their development direction. Perhaps they can use their limited funds to build a beautiful one. In the future.

  2. People with unstable workplaces

As mentioned above, to buy a house to determine where they are developing, because some friends because of work reasons year-round travel between different cities, or be sent out all the year round, the work place is not stable, it is recommended to make a plan to avoid the distance of residence The place of work is too far away, or it may not be possible to buy a house.

  3, people with insufficient repayment ability

There is a saying that is good, how much the ability to do things, buy a house is also the case, can only bear 1 million, but thinking about buying 2 million houses, is certainly not realistic, all day can not afford to pay the price of housing can not afford to solve The fundamental problem. Therefore, first of all to buy a house to consider the economic affordability, really have to buy the situation, can be appropriately reduced the standard of purchase, the original buy 100 level, and now buy 80 level, although the area is smaller than it is not strong.

But remember to blindly pursue perfection and ignore your repayment abilityWhen buying a house budget, it can be considered from two aspects:

  The first is based on the comparison between household tax after-tax annual income and total priceGenerally speaking, the total house price is within six times of the family's annual income, and it is within the scope of their own ability to pay. Houses that exceed this range are "overloaded" houses.

  The second is to look at the ratio of monthly household mortgages to household income.The relationship between monthly mortgages and income stipulated by the bank is: monthly income = mortgage loan for X2, so the monthly limit of the mortgage loan is half of the monthly household income and must not exceed this limit.

For those who have elderly children or those who are more concerned with the comfort of living, the monthly mortgage payment should be controlled at one-third of the monthly income.

When choosing a house, you can pay attention to the variability of the house type, because the demand of the house is constantly changing in the use process, and the building space must have sufficient freedom. It is better to dismantle, fight, group, and change to meet the housing needs at that time. Make up for the small regret of the house area.

  4, small and medium-sized buyers want to invest in buying a house

The current market conditions are that the market and policy cities and regions have become more and more differentiated. Lanzhou mentioned above has removed restrictions in remote suburbs, and hot areas have tightened restrictions on sales, implying that the policies in the inner areas of cities will also be moving towards differentiation. development of.For home buyers, the ever-differentiated property market is not conducive to making rational judgments when compared with prices. “It should not buy a house” seems to have become a false proposition. The most important thing to do now is to make the right choice through complex events and policies.

The current market is not conducive to small and medium-sized buyers who want to invest in buying a house. Although there is a house to live in, they have little cash to invest in real estate, but the limited funds to buy a house in a big city seem to pay a small sum of money, and some people want to switch to other cities. This time, if you make a wrong judgment and buy the wrong city, you may be stuck. If you can't afford it yourself, don't take it.

  5, older middle-aged people

I remember that last year was still happening in Nanjing. I saw many elderly people with white hair in the real estate opening scene. They all helped their grandchildren to buy a house in their own name. The purchasing power of middle-aged and old people is much larger than that of young people. According to surveys, 82% of middle-aged and older people in Beijing have their own real estate, and 7.7% have two houses. Although the house can serve as an old-age pension, excessive real estate may become a burden. Every year, parents and children who are opposed to the real estate segmentation will appear. If the old man died without leaving a legacy, splitting the property would be a complicated issue. What is left behind is not only property division but also family debt. Therefore, middle-aged and elderly people who have financial resources, it is best to consider the real estate segmentation problem when buying a house. Even if you buy, you should try to leave a will and try to choose a small apartment. This type of house is easier to handle in the market.

Rong 360 said that Fang Jun felt thatIt is not only financial resources but also the ability to follow suit to adapt to the market environment and use good policies to make correct judgments.Don't blindly follow the trend, don't dig yourself into the pit and jump in and fill it.

The higher the interest rate, the more debt, don't let the mortgage lend your life. Pay attention to the “Fund 360” (fangdai123) public number and easily master the minimum bank loan interest rate. Less interest, get rid of it earlier.

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