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2018 five categories of people are not suitable for buying a house slaves long dessert it!

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

Weekend, the property market took place two important things, one is Lanzhou part of the region to cancel the purchase, then another is the Nanjing talent release policy.

The following is part of Lanzhou issued text content:

 

Nanjing high-level personnel accommodation policy:

In particular, Nanjing, high-level talent buy suites in Nanjing no longer subject to restrictions on household registration, and provident fund loans up to 1.2 million loans. Ask a friend360 room to meltJun (fangdai123), the market is now able to let go and buy a house ah? However, things are not all suitable for buying a house, following these types of people to buy a house to be careful.

  1, intends to buy a house in the big city to enter the workplace newcomers

In the metropolitan work-hard new recruits, the face of high prices, both in terms of economy or experience are relatively lacking, basically rely on the support of their parents, would like to melt the first three months of 360 if you say Jun house rent or father Mom premeditated yet. Under this circumstance, if we go back to the mortgage, it will undoubtedly increase the living burden. Because some people have to repay their parents because of their repayment, if there is a change of employment, the income will be interrupted and the mortgage will be harder.

In fact, we do not want to prevent everyone from buying a home. Instead, we should teach everyone not only to look northward and to go deep into the city, but also to consider second-tier cities like those whose prices are lower than those of larger cities.Long-term purchase to buy the population and industrial development, as long as population flows into support, the property market will form a virtuous circle, it will not become a short check.Now including Nanjing, many second-tier cities are attracting talent and businesses settled, just graduating young people can seize this opportunity to plan the direction of development, maybe that point can be limited by the hand of funds to build a beautiful Future it.

  2, unstable place of work

As mentioned above, buy a house first to determine where they are developed, because some friends due to work perennial rush in different cities, or be year-round assignment, work place instability, it is recommended to make a plan to avoid the distance to live Too far from work, or bought a house can not live in the situation.

  3, lack of repayment ability of people

There is a saying that is good, how much ability to do much, buying a house is also the case, can only afford one million, but thinking about buying 200 million houses, is certainly unrealistic, all the time clamored for high prices can not afford to buy can not afford to solve The fundamental problem. Therefore, first of all to buy a house to consider the affordability of the economy, really had to buy the situation, you can properly reduce the purchase standard, the original buy 100 level, buy 80 level now, although the area is small is better than none.

But remember blind pursuit of perfection, neglect their repayment ability, Buy a house when the budget can be considered from two aspects:

  First, according to the family income after tax and total house prices for comparisonIn general, the total price of a house is less than 6 times of the annual household income, all within the scope of their own ability to pay. Houses that exceed this range are "overloaded" houses.

  The second is from the mortgage account for the proportion of family income to see, The relationship between mortgage and monthly income provided by the bank is: monthly income = monthly loan for mortgage X2, so the monthly mortgage loan limit is half of the monthly family income, which can not be exceeded.

Families with elderly children, or more emphasis on the comfort of life, the mortgage month to control the monthly income of one-third.

At the time of choosing a household type, you can pay attention to the apartment variability, because the demand of the house is constantly changing during use, and the building space should be fully freed up. It is best to meet the demand of housing at the time by disassembling, assembling, Regret to make up for the small size of the house.

  4, want to invest in buying small and medium buyers

Now the market is the market and policy cities, the regional differentiation is more obvious, Lanzhou mentioned above, the removal of the remote suburbs restrictions, hot areas to strengthen the sale, which means that the policy within the city will also be toward the trend of differentiation development of.For buyers, compared with the price has been rising, the continuous differentiation of the property market is not conducive to make rational judgments. "Should not buy a house" seems to have become a false proposition. What we need most now is to make the right choice through complicated incidents and policies.

Now the market is not conducive to small and medium buyers want to invest in buying a house, although there is a house to live in the hands of a little idle money to invest in real estate, but that point of limited funds to buy a big city house seems a drop in the bucket, some people have fought in other cities If this time to make a wrong judgment, buy the wrong city, there may be stuck. If you can not afford it, then you should take risks.

  5, older middle-aged people

I remember last year, or in Nanjing, opened the scene to see a lot of white-haired elderly, are in their own name to help buy their children and grandchildren. The purchasing power of middle-aged and elderly people is much larger than that of young people. According to the survey, 82% of middle-aged and elderly people over 50 in Beijing have their own real estate and 7.7% have two houses. Although the house can be used as the pension capital of the elderly, but too much real estate may become a burden. Every year there will be parents and children who turn their backs on the real estate. If the death of the elderly did not leave a legacy, the division of real estate will be a complex issue. This leaves not only the issue of property division, but also family debt. So have the financial resources of the elderly, the best time to buy a house to consider the issue of real estate division, even if you want to buy will try to leave a will, and try to choose small apartment, this type of house in the market easier to handle.

Financial 360 said Jun Fang think,Buy a house now is not only financial resources, but also the ability to take advantage of the situation, adapt to the market environment, make good use of policies to make the right judgments, Should not blindly follow the trend, do not dig their own pit jumped into it still filling it.

The higher the interest rate, the more debt, do not let mortgages kill your life. Concerned about the "financial 360 room" (fangdai123) public number, easy to grasp the minimum bank loan interest rates. A little less interest, a little relief.

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