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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 the weekend, there were two important events in the property market. One was the cancellation of purchase restrictions in some areas of Lanzhou, and the other was the release of the Nanjing Talent Housing Policy.

The following is part of the Lanzhou publication:

 

Nanjing high-level talent housing policy:

Especially in Nanjing, high-level talents are no longer subject to household registration restrictions in Nanjing, and the maximum loan for provident fund loans is 1.2 million. Have a friend askRong 360 said roomJun (fangdai123), is it possible to buy a house now? However, it is not that everyone is suitable to buy a house. The following types of people should be cautious in buying a house.

  1. Newcomers who are planning to buy a house in a big city

For the newcomers who work hard in big cities, in the face of high housing prices, both in economics and experience are relatively lacking, basically relying on the support of parents, I want to know whether the rent of the first three months of Fang Jun is still in charge. Mom prepaid. Under this circumstance, if you put on your mortgage again, it will undoubtedly increase your living burden. Because some people still have to rely on their parents for repayment. If they encounter a job-hopping, the income will be cut off, and the mortgage will be even harder.

In fact, it is not for everyone to buy a house, but to teach everyone not to stare at the north and the depths of the city, but also consider going to the second-tier cities with lower housing prices than the lower cities to go to employment.Buying a house for a long time to see the population and industrial development, as long as there is a population inflow support, the property market will form a virtuous circle, so as not to become a short check.Now including Nanjing, many second-tier cities are attracting talents and enterprises to settle in. Young people who have just graduated can seize this opportunity and plan their development direction. Maybe they can use the limited funds in their hands to build a beautiful one. The future.

  2. People with unstable working places

As mentioned above, to buy a house, you must first determine where you are developing, because some friends are traveling around different cities for work reasons, or are sent out all the year round, and the work place is unstable. It is recommended to make a plan to avoid the distance of residence. The situation is too far to work, or if you buy a house but can't live.

  3. People with insufficient repayment ability

There is a saying that is good, how big is the ability to do things, the same is true for buying a house, can only bear 1 million, but thinking about buying a house of 2 million, it is unrealistic, and it is impossible to solve the problem of high prices. The root problem. Therefore, first of all, we must consider the affordability of the house. It is really a situation that we have to buy. We can appropriately reduce the standard of buying houses. We originally bought 100 flats. Now we buy 80 flats. Although the area is small, it is better than nothing.

But remember to blindly pursue perfection and ignore your ability to repayWhen you want to buy a house budget, you can consider it from two aspects:

  First, based on the annual income after the family tax and the total house priceThe general house price is within 6 times of the family's annual income, all within the scope of their own ability to pay. Houses that exceed this range are “overloaded” houses.

  The second is to look at the proportion of monthly household income from mortgage loans.The bank's monthly mortgage and income relationship is: monthly income = monthly mortgage X2, so the monthly mortgage limit is half of the family's monthly income, and must not exceed this limit.

If there are elderly people and children in the family, or those who pay more attention to the comfort of life, the monthly mortgage payment should be controlled at one-third of the monthly income.

When selecting a house type, you can pay attention to the variability of the house type, because the demand of the house is constantly changing during the use process, and the building space must have sufficient freedom. It is best to meet the housing demand at that time by dismantling, spelling, grouping, and changing. Make up for the small size of the house.

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

The current market is that the market and policy cities and regional differentiation are becoming more and more obvious. In Lanzhou mentioned above, the remote suburbs have removed the restrictions, and the hot areas have strengthened the restrictions on sales, which means that the policies within the urban areas will also tend to differentiate. development of.For those who buy a house, compared with housing prices, the constantly diverging property market is not conducive to making rational judgments. “It should not be a house to buy” seems to have become a false proposition. The most important thing to do now is to make the right choice through complicated 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, there is a little money to invest in real estate, but the limited funds to buy a big city house seems to be a drop in the bucket, and some people have to move to other cities. At this time, if you make a wrong judgment and buy the wrong city, you may be stuck. If you can't accept it, don't take risks.

  5. Older middle-aged and elderly people

I remember that it happened in Nanjing last year. I saw a lot of white-haired old people at the opening of the real estate. They all helped their children to buy a house in their own name. The purchasing power of middle-aged and older 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 be used as a capital for the elderly, too many properties may become a burden. Every year, there are parents and children who are opposed to the property division. If the old man dies without leaving a legacy, splitting the property will become a complex issue. This left not only the issue of property division, but also family debt. Therefore, middle-aged and elderly people with financial resources should consider the problem of property division when buying a house. Even if they buy, they should try to leave a will, and try to choose a small apartment. Such a house is easier to handle in the market.

Rong 360 said that Fang Jun felt thatBuying a house now is not only financial, but also the ability to adapt to the market, make good use of good policies to make a correct judgment.Don't blindly follow the trend. Don't dig up the pit and jump into it.

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

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