Don't worry about the rise and fall of house prices when buying a house for self-occupation

House prices are still rising, and people who have already bought a house hope that house prices can rise a little to increase their fixed assets. People who don't buy a house hope that the house price will drop a little, even if it can rise slowly. What if it goes up too much? In the eyes of many people, the rise and fall of house prices only have a greater impact on investment housing, but for those who just need property buyers, "I bought it anyway, as long as I can afford it." But is this really the case? Can you really buy your own house without worrying about the rising and falling trend of house prices?

At first glance, this argument makes sense. Self-occupation will not be realized by selling houses. What does the rise and fall of house prices have to do with me, as long as I live comfortably. But in fact, ...

People who buy a house for their own living, whether they buy a house for the first time or change houses for the second time, most people pay a down payment of 25% plus a mortgage. If the first suite is 3 million yuan and the second suite is 6 million yuan, the monthly repayment amount of the 30-year matching principal and interest loan is 1 194 1.35 yuan and 23,882.7 yuan respectively. Generally speaking, the annual income of most first-time home buyers will not exceed 400,000 yuan, while the annual income of second-time housechangers will be 800,000 yuan. Mortgage expenditure accounts for about 35% of the annual household income. This ratio is still within a reasonable range.

According to the above results, if you live completely, the house price will rise, and the situation of trying to repay the loan will not change much, but personal assets will undoubtedly appreciate. If the appreciation is not bad, then there will be more choices based on this house. For example:

1, self-occupied;

2. Apply for real estate mortgage and start investing in buying a house;

3. Sell the house and go back to your hometown for a big house;

4. Immigration after high cash.

What will happen if house prices fall? If you choose to sell a house, it will definitely not be worth the loss, because the assets have shrunk and there are bank loans, and the loss of leveraged funds is very large. If you don't sell the house, the house price will not rise, so you can only continue to take out the mortgage. Falling house prices can only mean making money for banks. In this way, is the rise and fall of house prices really unimportant?

It should be emphasized here that we are talking about buying a house for the first time or changing rooms for the second time. When it is completed, there is only one suite under its name. In this case, few people can still hold a lot of cash, and it is almost impossible to buy another set at the bottom. Therefore, the logic of buying a house for self-occupation and not caring about the rise and fall of house prices is flawed. Therefore, when someone around you says that home ownership doesn't care about ups and downs, you must think twice. Others say it, but you pay the bill.

Finally, talk about the trend of housing prices in first-tier cities. From 20 15, house prices in first-tier cities began to skyrocket. However, after the two sessions, the trend of house prices will slow down, and there may even be a slight decline under the strict purchase restriction policy.

Take Shanghai as an example: On March 25th, Shanghai has introduced a new purchase restriction policy. Non-Shanghai registered population must pay taxes or social security for five years when buying a house in Shanghai. The down payment for buying two ordinary houses is adjusted to not less than 50%, and the down payment for buying two non-ordinary houses is not less than 70%. At the same time, businesses such as down payment loans should be cleaned up to reduce the down payment in disguise, and buyers should also promise that the down payment will be their own funds. Any violation will be included in the Shanghai public credit platform.

(The above answers were published on 20 16-04-29. Please refer to the actual situation for the current purchase policy. )

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