Excuse me: do I have to bring a garage to buy a house?

1, garage, I personally think, from the perspective of future development, I believe you have the ability to buy a car, maybe it is necessary, you have it now, or you can rent it.

2. The loan interest rate will change. Based on the loan payment of 10 year and the annual interest rate of 5.3 1, the total house price is 1944 16, and the garage price is 36,000. A * * is 2 124 16, with a down payment of 40%, so * * is 8498. Matching repayment method of principal and interest: monthly payment 137 1.20, with total interest of ***37094.40. The average capital repayment method varies from month to month:

Average capital repayment schedule

Basic information of loan: individual housing loan (monthly repayment), term: 10 .........., annual interest rate: 5.3 1%, loan amount: 127449.6 yuan, tabulation date: April 2, 20091.

Date, amount, principal, interest and remaining principal of installment repayment

1 2009-5-2 1 1626.04 1062.08 563.96 126387.52

2 2009-6-2 1 162 1.34 1062.08 559.26 125325.44

3 2009-7-2 1 16 16.65 1062.08 554.57 124263.36

4 2009-8-2 1 16 1 1.95 1062.08 549.87 12320 1.28

5 2009-9-2 1 1607.25 1062.08 545. 17 122 139.20

6 2009- 10-2 1 1602.55 1062.08 540.47 12 1077. 12

7 2009- 1 1-2 1 1597.85 1062.08 535.77 1200 15.04

8 2009- 12-2 1 1593. 15 1062.08 53 1.07 1 18952.96

9 20 10- 1-2 1 1588.45 1062.08 526.37 1 17890.88

10 20 10-2-2 1 1583.75 1062.08 52 1.67 1 16828.80

1 1 20 10-3-2 1 1579.05 1062.08 5 16.97 1 15766.72

12 20 10-4-2 1 1574.35 1062.08 5 12.27 1 14704.64

13 20 10-5-2 1 1569.65 1062.08 507.57 1 13642.56

14 20 10-6-2 1 1564.95 1062.08 502.87 1 12580.48

15 20 10-7-2 1 1560.25 1062.08 498. 17 1 1 15 18.40

16 20 10-8-2 1 1555.55 1062.08 493.47 1 10456.32

17 20 10-9-2 1 1550.85 1062.08 488.77 109394.24

18 20 10- 10-2 1 1546. 15 1062.08 484.07 108332. 16

19 20 10- 1 1-2 1 154 1.45 1062.08 479.37 107270.08

20 20 10- 12-2 1 1536.75 1062.08 474.67 106208.00

2 1 20 1 1- 1-2 1 1532.05 1062.08 469.97 105 145.92

22 20 1 1-2-2 1 1527.35 1062.08 465.27 104083.84

23 20 1 1-3-2 1 1522.65 1062.08 460.57 10302 1.76

24 20 1 1-4-2 1 15 17.95 1062.08 455.87 10 1959.68

25 20 1 1-5-2 1 15 13.25 1062.08 45 1. 17 100897.60

26 20 1 1-6-2 1 1508.55 1062.08 446.47 99835.52

27 20 1 1-7-2 1 1503.85 1062.08 44 1.77 98773.44

28 20 1 1-8-2 1 1499. 15 1062.08 437.07 977 1 1.36

29 20 1 1-9-2 1 1494.45 1062.08 432.37 96649.28

30 20 1 1- 10-2 1 1489.75 1062.08 427.67 95587.20

3 1 20 1 1- 1 1-2 1 1485.05 1062.08 422.97 94525. 12

32 20 1 1- 12-2 1 1480.35 1062.08 4 18.27 93463.04

33 20 12- 1-2 1 1475.65 1062.08 4 13.57 92400.96

34 20 12-2-2 1 1470.95 1062.08 408.87 9 1338.88

35 20 12-3-2 1 1466.25 1062.08 404. 17 90276.80

36 20 12-4-2 1 146 1.55 1062.08 399.47 892 14.72

37 20 12-5-2 1 1456.86 1062.08 394.78 88 152.64

38 20 12-6-2 1 1452. 16 1062.08 390.08 87090.56

39 20 12-7-2 1 1447.46 1062.08 385.38 86028.48

40 20 12-8-2 1 1442.76 1062.08 380.68 84966.40

4 1 20 12-9-2 1 1438.06 1062.08 375.98 83904.32

42 20 12- 10-2 1 1433.36 1062.08 37 1.28 82842.24

43 20 12- 1 1-2 1 1428.66 1062.08 366.58 8 1780. 16

44 20 12- 12-2 1 1423.96 1062.08 36 1.88 807 18.08

45 20 13- 1-2 1 14 19.26 1062.08 357. 18 79656.00

46 20 13-2-2 1 14 14.56 1062.08 352.48 78593.92

47 20 13-3-2 1 1409.86 1062.08 347.78 7753 1.84

48 20 13-4-2 1 1405. 16 1062.08 343.08 76469.76

49 20 13-5-2 1 1400.46 1062.08 338.38 75407.68

50 20 13-6-2 1 1395.76 1062.08 333.68 74345.60

5 1 20 13-7-2 1 139 1.06 1062.08 328.98 73283.52

52 20 13-8-2 1 1386.36 1062.08 324.28 7222 1.44

53 20 13-9-2 1 138 1.66 1062.08 3 19.58 7 1 159.36

54 20 13- 10-2 1 1376.96 1062.08 3 14.88 70097.28

55 20 13- 1 1-2 1 1372.26 1062.08 3 10. 18 69035.20

56 20 13- 12-2 1 1367.56 1062.08 305.48 67973. 12

57 20 14- 1-2 1 1362.86 1062.08 300.78 669 1 1.04

58 20 14-2-2 1 1358. 16 1062.08 296.08 65848.96

59 20 14-3-2 1 1353.46 1062.08 29 1.38 64786.88

60 20 14-4-2 1 1348.76 1062.08 286.68 63724.80

6 1 20 14-5-2 1 1344.06 1062.08 28 1.98 62662.72

62 20 14-6-2 1 1339.36 1062.08 277.28 6 1600.64

63 20 14-7-2 1 1334.66 1062.08 272.58 60538.56

64 20 14-8-2 1 1329.96 1062.08 267.88 59476.48

65 20 14-9-2 1 1325.26 1062.08 263. 18 584 14.40

66 20 14- 10-2 1 1320.56 1062.08 258.48 57352.32

67 20 14- 1 1-2 1 13 15.86 1062.08 253.78 56290.24

68 20 14- 12-2 1 13 1 1. 16 1062.08 249.08 55228. 16

69 20 15- 1-2 1 1306.46 1062.08 244.38 54 166.08

70 20 15-2-2 1 130 1.76 1062.08 239.68 53 104.00

7 1 20 15-3-2 1 1297.07 1062.08 234.99 5204 1.92

72 20 15-4-2 1 1292.37 1062.08 230.29 50979.84

73 20 15-5-2 1 1287.67 1062.08 225.59 499 17.76

74 20 15-6-2 1 1282.97 1062.08 220.89 48855.68

75 20 15-7-2 1 1278.27 1062.08 2 16. 19 47793.60

76 20 15-8-2 1 1273.57 1062.08 2 1 1.49 4673 1.52

77 20 15-9-2 1 1268.87 1062.08 206.79 45669.44

78 20 15- 10-2 1 1264. 17 1062.08 202.09 44607.36

79 20 15- 1 1-2 1 1259.47 1062.08 197.39 43545.28

80 20 15- 12-2 1 1254.77 1062.08 192.69 42483.20

8 1 20 16- 1-2 1 1250.07 1062.08 187.99 4 142 1. 12

82 20 16-2-2 1 1245.37 1062.08 183.29 40359.04

83 20 16-3-2 1 1240.67 1062.08 178.59 39296.96

84 20 16-4-2 1 1235.97 1062.08 173.89 38234.88

85 20 16-5-2 1 123 1.27 1062.08 169. 19 37 172.80

86 20 16-6-2 1 1226.57 1062.08 164.49 36 1 10.72

87 20 16-7-2 1 122 1.87 1062.08 159.79 35048.64

88 20 16-8-2 1 12 17. 17 1062.08 155.09 33986.56

89 20 16-9-2 1 12 12.47 1062.08 150.39 32924.48

90 20 16- 10-2 1 1207.77 1062.08 145.69 3 1862.40

9 1 20 16- 1 1-2 1 1203.07 1062.08 140.99 30800.32

92 20 16- 12-2 1 1 198.37 1062.08 136.29 29738.24

93 20 17- 1-2 1 1 193.67 1062.08 13 1.59 28676. 16

94 20 17-2-2 1 1 188.97 1062.08 126.89 276 14.08

95 20 17-3-2 1 1 184.27 1062.08 122. 19 26552.00

96 20 17-4-2 1 1 179.57 1062.08 1 17.49 25489.92

97 20 17-5-2 1 1 174.87 1062.08 1 12.79 24427.84

98 20 17-6-2 1 1 170. 17 1062.08 108.09 23365.76

99 20 17-7-2 1 1 165.47 1062.08 103.39 22303.68

100 20 17-8-2 1 1 160.77 1062.08 98.69 2 124 1.60

10 1 20 17-9-2 1 1 156.07 1062.08 93.99 20 179.52

102 20 17- 10-2 1 1 15 1.37 1062.08 89.29 19 1 17.44

103 20 17- 1 1-2 1 1 146.67 1062.08 84.59 18055.36

104 20 17- 12-2 1 1 14 1.98 1062.08 79.90 16993.28

105 20 18- 1-2 1 1 137.28 1062.08 75.20 1593 1.20

106 20 18-2-2 1 1 132.58 1062.08 70.50 14869. 12

107 20 18-3-2 1 1 127.88 1062.08 65.80 13807.04

108 20 18-4-2 1 1 123. 18 1062.08 6 1. 10 12744.96

109 20 18-5-2 1 1 1 18.48 1062.08 56.40 1 1682.88

1 10 20 18-6-2 1 1 1 13.78 1062.08 5 1.70 10620.80

1 1 1 20 18-7-2 1 1 109.08 1062.08 47.00 9558.72

1 12 20 18-8-2 1 1 104.38 1062.08 42.30 8496.64

1 13 20 18-9-2 1 1099.68 1062.08 37.60 7434.56

1 14 20 18- 10-2 1 1094.98 1062.08 32.90 6372.48

1 15 20 18- 1 1-2 1 1090.28 1062.08 28.20 53 10.40

1 16 20 18- 12-2 1 1085.58 1062.08 23.50 4248.32

1 17 20 19- 1-2 1 1080.88 1062.08 18.80 3 186.24

1 18 20 19-2-2 1 1076. 18 1062.08 14. 10 2 124. 16

1 19 20 19-3-2 1 107 1.48 1062.08 9.40 1062.08

120 20 19-4-2 1 1066.78 1062.08 4.70 0.00

3. Whether the above-ground parking space (garage) or underground parking space (garage) can be sold, the only criterion is whether the property right certificate can be handled (or whether there is a pre-sale permit). According to the relevant regulations, the title certificate can be issued separately, or it can be combined with the commercial housing purchase contract to issue the house ownership certificate.

Before the demonstration text of the underground parking contract was issued, the relevant person of the Municipal Administration for Industry and Commerce reminded that if consumers want to buy a parking space, they must see whether the parking space they want to buy has real estate license and land use right. When buying a parking space, the developer promised to use it for 70 years. In fact, the developer's land use right is only 50 years.

As far as buying a house is concerned, this year should be considered as a low price. For a small city, there is not much impact. If your hometown is relatively advanced in your big city, it is possible to expand, so it is better to buy it. House prices will always go up. China has a large population, so there should be no problem.

These are just suggestions. I hope the landlord has a good choice.