I bought three suites in Norway and my life was extremely bleak.

Time flies, years make people old, and the river is still there.

Standing on the bridge of Bourouga Tower, watching the clear flow of the river, pigeons flying freely and pedestrians walking in a hurry.

I was in a trance, and I couldn't help thinking of the days when my wife and I rented a house in Bourouga Tower Community. I have to cross the bridge and pass by the bus station every day to catch the bus, go to the Middle East supermarket to buy food every week, and occasionally go to the Indian restaurant in front of my house to enjoy special treatment.

I was filled with emotion for an instant, and my life of more than seven years could not help coming to my mind. From renting a single room of less than 10 square meter to a semi-detached villa for four people, the footprints behind me are clearly visible.

After renting for half a year, we moved into the first suite, an apartment in the suburbs, with an area of 53 square meters. We 1.65 million bought it. Norway's policy is 10% of the first home fund. We should take out all the savings accumulated by half a year's salary, which is not enough to pay the down payment. We have to borrow some money from our friends and then formally sign the contract. Loan10.5 million, and pay off more than 7,000 monthly payments in 30 years.

The monthly payment is more than 7 thousand, which is why we would rather buy a house than rent a house. /kloc-The monthly rent for bedrooms under 0/0 square meter is also 6000+. It is better to bite the bullet and own a house of your own.

Our own house is not really our own, because in Norway, houses are divided into private property rights and * * * property rights, and apartments are basically * * * property rights, which means that in fact we only have the right to live in this apartment, but no ownership. If you want to rebuild or rent a house, you need to get the consent of the community, and there are certain living time restrictions.

Private property houses are mainly villas. Single-family villas, semi-independent villas and townhouses are mostly private property rights, and of course there will be villas with property rights. In this kind of private house, most householders have the right to use the land.

Is it personal or * * *?

In fact, the first consideration is economic issues. Generally speaking, private enterprises may need a down payment, with higher loan capacity, and some * * * may need a little less down payment.

Of course, it depends on your own needs and preferences. Private houses may need to do all the cleaning themselves, while some apartments do not need to do many things themselves? Like a garden? Snow removal? House exterior wall cleaning and so on.

Later, our apartment was transformed into two bedrooms and an open kitchen. It is said that 53 square meters is enough for the two of us, because the area of buying a house in Norway is basically the actual living area? There is no so-called building area. And the balcony is not an area.

So in Norway, a country with little sunshine in a year, people have a special feeling for the sun? So when buying a house, everyone pays special attention to the orientation of the house and the sunshine time every day. Of course, the most important thing is to have a particularly comfortable balcony and yard.

Two years later, our first baby was born in this apartment, and the children grew up day by day. We found that the existing apartments were not enough to meet the needs of children. There is no independent entertainment place, no toy room of our own, and the living room is crowded. Of course, considering that we will have a second or third child, we decided to change rooms.

Changing houses is actually a very complicated thing. It is necessary to start selling the house where you currently live and start looking for the house you want to buy.

When buying a house, there are many things to consider. Some people spend a lot of time looking for it, looking at houses, and even talking to banks about their finances and loan lines.

What should I consider when buying a house? Of course, the first is financial resources. How many houses can we buy ourselves? 3 million? 4 million?

This financial consideration is a comprehensive evaluation of your family's financial situation.

( 1)? Value of current house appreciation

(2)? Existing deposit

(3)? Are there any other loans besides the house

(4)? Wage status of both parties

This evaluation is also the bank's own evaluation. Banks will decide the loan amount according to these aspects and decide how many houses we can buy in total.

Different banks will give different loan quotas to the same family according to their own preferential policies, so you can talk to more banks when you plan to buy a house.

In addition to financial resources, we should also consider where to buy, whether to buy an apartment or a villa. What are the necessary conditions for looking forward to a house?

Where to buy it is also important. There are characteristic school districts not only in China, but also in Norway. When buying a house, every family will consider the education level and school situation in the area where the house is located. This information will be clearly written in the advertisement for selling houses, so that buyers can have a basic understanding, and more specifically, they need to check more information themselves.

For example, the education level in different districts of Oslo Province is different. Parents in China, in particular, may think that their children's education has a great relationship with the school, so when buying a house, they also pay close attention to kindergartens, primary schools, junior high schools and even senior high schools in their districts.

Where to buy it is really important, especially in Norway, where different cultures and countries are included. Immigrants and refugees can be found everywhere in every district, but there are also great differences. This difference lies in the difference between immigrants and refugees, and in the proportion of immigrants and refugees.

More people who choose to buy a house will also consider the proportion of immigrants in this area, and the proportion of refugees is also the proportion of Norwegian natives. More immigrants from China prefer to buy areas with a large Norwegian population and stay away from areas with a high proportion of refugees. When considering children going to school, they will avoid areas with a high proportion of refugees when buying a house.

Finally, of course, everyone will have a basic expectation for their future house, such as convenient transportation, such as a spacious kitchen, a living room big enough, or a garage, or their own garden, and so on.

After confirming our purchasing power with the bank, we basically decided the area we can buy. Because our loan amount is not high enough, we want to buy a townhouse or a single-family villa with independent property rights, and we also hope that the area can exceed 100 square meter, with at least three rooms.

When all the necessary conditions are met, we find that the area that can be purchased is basically determined. Oslo province seems to have so many regions, but we found that we can only buy one or two regions.

This is the distance between ideal and reality, and life is the balance of gains and losses.

(Please look forward to the next article)