What is the most cost-effective way to buy a house in Beijing?

First of all, the background is in the first-tier cities, that is, the four first-tier cities in the north, Guangzhou and Shenzhen. The housing prices in these cities are among the best in the country, and the increase and growth rate are also among the best. At present, the policy adjustment has been received, and the growth rate has declined and narrowed. But the real estate in these cities is still the most value-added. I have never heard of anyone who regrets buying a house in a first-tier city, or who loses money by buying a house in a first-tier city.

Therefore, from the perspective of investment preservation and appreciation, first-tier cities have a strong population appeal to the whole country, and a large number of people are pouring in, and the demand for housing is also increasing. There is huge room for appreciation, and there is no doubt about maintaining value. If you are qualified to buy a house in a first-tier city and have enough money, go and buy it. There is nothing to hesitate about.

Secondly, from the perspective of pure housing, renting a house in a first-tier city is actually not expensive, which is relative to the house price. The four first-tier cities are all in the camp with the lowest rate of return, which is related to the relatively high housing prices and rents. Among the four cities, Beijing has the lowest rental return rate, only 1.37%.

From this point of view, a house with a monthly rent of 5 million or 60,000 can live in a house worth 6-7 million a year. Assuming that the rent is 20 years, it will be 6.5438+0.2 million yuan, which is not enough for the down payment of this house. Of course, here is a simple calculation, ignoring the rent increase, but this is probably the case.