What factors should I consider when buying a house? Focus on what?

Hello, I'm glad to answer your question.

The suggestions are as follows:

First of all, live within our means.

Young people should not think that everything will be all right after paying the house money. You know, the subsequent series of expenses will make people stunned. For example, housing maintenance funds, property management fees, decoration fees, furniture and electrical appliances. Everyone needs a lot of money, especially if they want to move in immediately, and they need to prepare the money in advance.

Otherwise, when the house is available, it is found that there is no money to decorate it. Isn't that a problem? When young people buy a house, they have to pay not only the house price, but also the house maintenance fund and other expenses. If they need to move in immediately, they also need a large sum of money to decorate the house, buy furniture and household appliances.

Second, the loan period should not be too long or too short.

It is more appropriate for young people to borrow money to buy a house and choose 15 to 20 years. If the loan period is too short, the repayment pressure will be correspondingly greater, and if the loan period is too long, it will be affected by policies such as raising interest rates.

Third, make good use of provident fund.

If you are a young man with housing provident fund, you can use the provident fund as much as possible when buying a house. Even for young people with short working hours, the provident fund is relatively small, but if it can be used, it is best to use it, at least to reduce interest.

Fourth, focus on volume rather than area.

We should try to pay attention to the size of the house rather than the area. After all, a house with a clear height can be a staggered structure, and the effect is often very good. This will not only give full play to the advantages of large space for small-sized apartments, but also avoid the problem of area waste existing in many apartments at present.

Fifth, beware of bubbles in hardcover rooms.

At present, some small and medium-sized units are hardcover rooms. Although hardcover rooms can save a lot of pain in decoration, we should also pay attention to bubbles. For example, the floor gap of a real estate hardcover room is big enough to insert chopsticks, so it is generally good to install it.

6. First-time home buyers are mainly small huxing.

For young people who buy a house for the first time, I believe that most of them are still fascinated by large huxing. But buying a house for the first time is not recommended in one step, which will greatly increase the cost of buying a house. If you live in your own home, you'd better consider a small apartment and a two-bedroom apartment, one of which can be used as a bedroom, and the other can be used as a study before being transformed into a children's room.

Seventh, the time cost can not be ignored.

For young people who work hard in the workplace, time cost is very important. This is especially true for office workers living in first-and second-tier cities. Property buyers should reasonably plan the time cost of their residence and workplace. In addition, "filial piety is the first virtue", if you live separately from the elderly, try not to live too far away from your parents for the convenience of taking care of the elderly.

Eight, the family should take care of everything.

Is it self-occupation? Or live with the elderly? This is a very important thing for young people to consider when buying real estate. Young people are full of energy and love climbing mountains. When they live in their own homes, they can choose high-rise buildings. Older people often have low floors and good lighting. If the young couple are going to carry out an "artificial plan" after moving in, they must make more efforts in the choice of apartment type.

Nine. geographical position

Nowadays, many people buy houses, not only for work, but also for children to get better educational resources for school. So if you have the ability, the house should be as close as possible to the school district, which is convenient for you to go to school. And the surrounding environmental facilities will be better.

For young people, don't be too impatient to buy a house. Buying a house is a big event for many young people, so you must listen to other people's suggestions. If you have no experience before buying a house and don't understand those details, it is possible that the quality, property or other problems of the house you bought will be exposed one by one, which is the shortage of preparatory work, so it is most important to prepare in advance.

Above, I hope I can help you, thank you!

Hello, what factors should be considered when buying a house? Focus on what? There are many factors to consider in buying a house, and many friends are sure to take action; Then directly as follows, there is not much to add.

First, housing prices.

The first is the house price, to see whether the house price of the intended real estate project meets the market price; Mainly by comparing the surrounding housing prices, first-hand or second-hand housing prices can be used, and the price is too high or too low to be vigilant.

Second, the community supporting 2, enrollment: Nowadays, in the main urban areas of many cities, children are required to settle down. If they have enrollment needs, they must understand clearly.

3. Surrounding environment: commercial, shopping, entertainment and other facilities are complete.

III. Contract content 1 and contract area: it must be specified and consistent with the area of the model house you have checked.

2, pool area: this general country has constraints to see if it can bear it.

3. Delivery date: This article indicates that once there is a breach of contract, it is evidence.

Iv. Payment method of house payment 1, full payment: not described for the time being.

2, loan payment: this must be paid attention to, before paying all the money, try to find out the credit information and bank loans.

(1) Down payment amount

(2) Loan amount

(3) loan interest rate (but now all new loans are LPR)

(4) Credit investigation: This is the most involved aspect now, and it is easy to affect whether the loan is passed or not, especially the second edition of credit investigation requirements; Specifically, you can check related projects online, even involving the payment of utilities.

(5) Note: Print the bank's running water (six months to one year), and ask the bank to evaluate whether it can bear the monthly loan repayment after seeing the monthly income and some fixed expenses (other loans). The general income should be more than twice the monthly planned amount.

In this step of loan payment, before paying the deposit, subscription or down payment, please ask the sales department or intermediary company, and ask the bank staff to check whether they are qualified for the loan. Because if you can't handle the loan in time for some reason, you may not be able to return the deposit, subscription funds or down payment you paid yourself or it will be difficult to return it.

In short, there are many things to pay attention to, which are not perfect! Pour it yourself The sales models of sales offices all over the country are similar, with the pre-advertising holding high and hitting high, and with a series of nodes of the project (opening sales offices, opening model rooms, recognizing and opening), the rhythm is fixed and the sales are steady.

Sales office reception also has a very mature reception assembly line: promotional film-regional sand table-project sand table-household sand table-model room-corporate culture.

Among them, the "brainwashing" logic: regional value, project peripheral value, apartment type value and property service are the logic of buying a house precipitated by years of industry experience:

Step 1: Choose the area Li Ka-shing once said: Lot, lot or lot is the factor that determines the house price! What is expensive in a city is not land, but "lots".

The same city, different regions, different positioning, different housing prices, different future development prospects. For example, Nanshan District in Shenzhen is a science and technology center, Futian District is a financial center, Guangming District is a science and education city, and Dapeng District focuses on developing tourism. ...

Which area do you choose? Knowing books provides three reference principles: ① scarcity; ② GDP per unit area leads; ③ High population density.

Scarcity, the best choice is the commercial center; The central area is a scarce area in the city, and the supply of real estate in the central area is limited, and the real estate is even scarcer. Or it has high added value such as scarce educational resources and medical resources.

Leading GDP per unit area means high regional economic value and more valuable land. In 20 19, the GDP per unit area in Nanshan district of Shenzhen was 3256 yuan/,and that in Longgang district was 65438 yuan +0207 yuan/. Comparing the house prices, the average price of Nanshan is 1 1 10,000, and that of Longgang is 47,000.

High population density means more economic activities and great use value of real estate. The areas with the highest population density in Shenzhen, such as High-tech Park, Houhai, Chegong Temple and Convention Center, are all areas with relatively high housing prices in Shenzhen.

Urbanization has entered the era of "metropolitan area", and the first-line super metropolis presents the development pattern of "two (one) cores and many centers". At first glance, "city sub-center", "east center" and "west center" are centers in all directions.

There will only be one or two "cores", which are the most "scarce" "lots" in the city, leading to the rise of urban housing prices.

Step 2: Select the surrounding resources of the project, and then talk about the surrounding areas of the project after discussing the regional value, including 1 km living circle and 3 km living circle.

For example, within the range of 1 km around the project, there are 3 kindergartens, 2 provincial demonstration primary schools and key junior high schools 1 school. It is 500 meters away from the project, and there is a planned subway X line. The two stops can reach the XX CBD business district in 5 minutes, and it will be opened to traffic in August 20021year. There is a 400,000-square-meter green park diagonally opposite the project, which will be the second largest park in Shenzhen after completion. It is convenient for you to walk or run with your family at ordinary times. ...

Generally speaking, the living circle of 1 km is within walking distance, and the resources such as subways, kindergartens, parks, shopping malls and hospitals have the greatest value.

3 km living circle means that non-motor vehicles can reach it, and primary schools, junior high schools, hospitals, shopping malls and parks are of great value in this range.

In China, the "house" is not a standard commodity, but a set of "comprehensive services" which integrates transportation, education, medical care, housing, leisure and other resources.

The house price is not the price of buying a brick and cement building, but the "price" containing the above resources.

The branch secretary suggested that the selection order of resources around the community is: school >; Transportation > shopping mall > park > hospital.

Everyone can rank differently according to different ages, different stages and different family backgrounds. But the above five elements must have 1-2 top-notch resources belonging to the city.

Step 3: Look at the apartment sales. After talking about regional sand table and project sand table, let's take a look at the project apartment again. There is no model house in the early stage, so look at the apartment sand table; After the model room is opened, look directly at the model room.

Look at the model house, mainly to see the room rate, to see whether the layout of the apartment is reasonable, whether it is square, the separation of dynamic and static (the activity area and the rest area are separated), the separation of dry and wet, whether it wastes area and whether there is a dark room.

If you are satisfied with the apartment type, you should carefully choose the next direction (South >; Southeast > East > Southwest >; West > north), the landscape outside the window and whether it is blocked;

Select a floor. Generally, the room with the highest quality in a building is located in *2/3 of the total floor, such as * * 30 floors, and the price of floors 20-25 is the highest, decreasing in turn; It is recommended to choose more than 20 floors.

Step 4: Select the developer/property service. Property sales do not represent the property quality of enterprises, and sales office attendants do not represent the future property service quality of the community.

Large real estate enterprises, real estate development business and property business are separated, so the service level of the sales office does not represent the property services that can be enjoyed after entering the community.

Might as well go to the residential area managed by the property management company to experience the security, cleanliness, hygiene, working status and service attitude of the property personnel in the residential area.

The above is the methodology of buying a house for Xiaobai.

If you really hate theory, it is better to run more sales offices as buyers and ask more about the advantages and disadvantages of residential buildings; Then how to choose becomes simple.

I think the most important thing to buy a house is to consider one of your economic conditions, whether you can afford it. This is a very realistic problem.

The second is the house price. House prices are different in different communities. First, we should consult clearly.

Third, buying a house requires comprehensive consideration of geographical location and configuration issues, which is conducive to coordinating family and work, and is conducive to work and life.

Buying a house according to the process, it is nothing to ask yourself a few more questions, and the consideration will be more comprehensive.

First, why buy a house?

Just need. In addition to living, we should also consider the location and whether the surrounding business, medical care, education, transportation and other supporting facilities are needed.

Investment. Consider whether the lot and area are the core, whether there is room for development, and whether the apartment type meets local needs.

Second, if you know what you are doing to buy a house, you will know where to buy it, and then you will choose real estate and what to buy.

Whether the developer is strong, whether the project is legal and formal, whether the "five certificates" are complete, whether the apartment type is suitable, whether the building indicators meet the expectations in mind, whether the property is professional, whether the management is in place, whether the construction unit is experienced, whether the house quality is qualified, whether it is delivered on schedule, whether there is a gap between the existing house and the model house, whether it is restricted to purchase, whether it can be loaned, and how many years of property rights.

Generally speaking, it mainly focuses on five points: the strength of developers, the legitimacy of projects, the completeness of supporting facilities, the safety of houses and the professionalism of properties.

Step 1: the purpose of buying a house: self-occupation or investment. If it is an investment, you need to consider:

What are the risks: will house prices fall?

How about liquidity: is it easy to sell?

What is the reward: space and stable rental income.

If it is self-occupation, you need to consider:

Where to buy: life is convenient, is it close to work?

Comfortable living: living environment, apartment type, etc.

How much to buy: for several people to live in.

Can we do both?

Step 2: Should we buy a house now?

If it is an investment, the only thing to consider is whether it is a good choice to invest money in the house now compared with other products.

If it is self-occupation, only one important issue needs to be considered. Can the house you live in now meet the needs of living and living?

Several factors can be considered when looking at the house:

Geographical location, traffic conditions, surrounding facilities, housing area, apartment type, housing quality, property services, etc.

Step 3: What price should I buy?

We know that before buying a house, we need to make an adequate budget, evaluate the family's financial resources and determine an affordable price range. If you can get a loan, how expensive a house you can buy depends on how much you can borrow and how long you can borrow. There are two steps to make relevant budget:

1. Estimate the repayment amount for one month to ensure that it does not exceed half of the family income. Coupled with the down payment that can be used, the budget can basically be determined.

2. Determine the budget interval. If the house is expensive, the equipment will be good. What is difficult to choose is the limited budget. What can I give up? We can distinguish the primary and secondary relations of various demand indicators, and make clear which are the rigid requirements that must be met and which are the flexible requirements that can be compromised.

One is the ability of down payment and monthly payment, and the other is the working distance, brand and product.

Haha, it's really not a simple thing for the first time buyers. What should we consider?

The first point: the price of the house.

You should consider it carefully according to your income level, repayment ability and profit of lots.

The second point: location

Lot is the first factor that buyers should consider. As a home, the location must be convenient for life. A well-located house can not only meet all kinds of needs, but also help to enhance the value of the property. It depends on the location of the community, whether the transportation is convenient, how many buses are nearby, and whether it is convenient to take the high-speed rail.

The third point is the layout of the house.

Reasonable housing planning and layout depends on the lighting of the house to ensure the comfort of living. In addition, it depends on the building floor area ratio, garage location and garbage removal location.

Hello, I'm Sui Yi, and I'll answer this question.

First of all, the house itself

1. Lot, that is, where is the house we are talking about? Where are you? What city is big, what business circle is small, what community, and the location in the community. These are the first things to look at when buying a house. As a real estate, buying a house should take into account the needs of residence, preservation and appreciation, and the location where the house is located is very heavy here. Is life convenient? Convenient transportation? Is there a good school district? Whether there is a development plan or not, and whether there is room for future housing prices to rise, all need to be considered.

2. community. After site selection, community planning needs further consideration. How about greening, plot ratio and density? Whether there are enough parking spaces and the property is good or not will directly affect the living experience in the future.

3. room type. There will be many rooms in a community, and different rooms have different advantages and disadvantages, which should also be considered according to living habits. For example, the lighting and ventilation of the North-South apartment are considered, while the lighting of the whole South apartment is good, but the ventilation is not good.

Second, market and credit.

1, market conditions. This is from the perspective of the big market, whether to buy a house for a period of time, whether it is suitable for buying a house, and whether the house price is in the channel of rising or falling. Knowing clearly and thinking clearly is conducive to the judgment of buying a house or not.

2. Purchase policy. At present, different cities in China have different housing purchase policies. Under the background of "homeowners don't speculate", there is basically a limited purchase policy, and whether there is a qualification for buying a house also needs to be considered.

3. Credit policy. With the purchase policy, there are not many people who can buy a house in full. Most people need loans to buy a house. Considering the current mortgage interest rate and loan products is also a necessary homework for buying a house.

4. Relevant transaction regulations. The transaction process of the new house is relatively simple, and the second-hand house will also involve matters such as production adjustment, so you need to know the relevant transaction laws and regulations when buying a house.