Experts suggest that several laws of buying a house are not affected by the weak market.

Buying a house can be said to be a major event in citizens' lives. Every family wants to spend money on the cutting edge and buy a good house that is worth the money. Especially with the introduction of various favorable policies this year, many previously suppressed market demands have been released, and the market activity has increased rapidly. How can I choose a satisfactory house? Is the light market suitable for changing houses and buying houses? Following the comprehensive summary of Jincheng property market in previous issues and the inventory of characteristic areas and product features, this report will combine Zhang Yu, a researcher at Tianjin Zhongyuan Market Data Research and Analysis Center, to summarize several basic laws of housing transactions, providing reference and guidance for readers to buy houses.

Because of her husband's job transfer, Wang Meng and her husband, who live in Meijiang Kangcheng, Xiqing District, began to have the idea of buying a new house in August this year. "It turned out that he works in Xiqing Development Zone, and it is very convenient to go to work. However, after being transferred to Hebei District, driving to and from work every day not only consumes a lot of time on the road, but also costs a lot of gas money. Moreover, my family is also in Hebei District, and it would be relatively convenient if I could move there. " Wang Meng told reporters that she also saw a lot of second-hand houses after she planned to buy a house, but she was hesitant to see the market trend and the policies that were constantly introduced. "I want to wait until the house price comes down, but waiting is not an option. What should I do? " There are not a few people who are as confused as the citizen Wang Meng.

Zhang Yu analyzed that there is a common sense that it is always difficult to buy a satisfactory house in the market at any time, while it is relatively easy to buy a cheap house. Why do you say that? Because the characteristics, attributes and quality of each house are different, and everyone's tastes and hobbies for the house are unique-such as where the children go to school, where the wife works, and so on. It is not so easy to find a house with a certain price standard and at the same time meet the needs and preferences of self-occupation. If we get rid of this understanding, simply from the market trend, the off-season is a good time for buyers to buy their own homes, because when the market is weak, investors and real estate speculators will withdraw from the market in large numbers, which not only means more choices, but also tends to be rational and it will be cheaper to buy a house.

Interest rates are always changing.

165438+1On the afternoon of October 2/kloc-0, the People's Bank of China announced a rate cut, and the mortgage interest rate was lowered accordingly, bringing benefits to people who need to buy a house. This makes many citizens think that the time has come to invest in the real estate market. However, people in the industry generally believe that reducing interest rates or raising interest rates mainly has a greater psychological impact on citizens, and the actual impact is relatively small. Historically, the housing mortgage interest rate used to be very high, and we have also experienced many interest rate cuts. But in fact, in the economic society, it is normal to raise interest rates or cut interest rates, which brings limited changes to daily life. We should adjust our mentality according to the change of interests, not static, but dynamic. In the long run, high and low interest rates should not be the primary factor affecting home ownership.

Let's work out an account. According to the calculation, take the loan1000000 yuan with a term of 30 years as an example. If the buyers choose equal repayment, the central bank will repay 6353.6 yuan per month before the interest rate cut. After the interest rate cut, the monthly repayment is 6092.28 yuan, and the monthly repayment is 26 1.32 yuan. For an ordinary family, this figure may only be the price of a meal or a piece of clothing, and it will not affect the quality of daily life.

Zhang Yu believes that the key to home ownership is to consider opportunity cost, capital liquidity and ability to pay. If the buyers have sufficient funds to purchase houses, or the liquidity of funds is relatively smooth, and there is a plan to purchase houses, then they can choose suitable houses when the banks cut interest rates. However, this kind of purchase decision should be based on its own ability to pay, rather than blindly following the trend and entering the market with the mentality of "taking advantage". Once beyond the actual economic capacity, it is likely to affect the quality of life in the future because of the pressure of repayment.

Pay attention to regional supply when buying a house.

When buying a house, buyers should not only pay attention to factors such as transportation, supporting facilities, regional development prospects, developer brands, but also consider the overall supply of real estate in the region. "In areas with a large supply of primary buildings, it is better to buy primary buildings; On the contrary, it is more suitable for buying in areas with more second-hand housing supply. "

Zhang Yu believes that when the market is on the rise, the price of primary buildings is higher than that of secondary buildings; On the contrary, the price of second-hand buildings is higher than that of first-hand buildings. The main basis of this law is that market suppliers always include both developers and small owners. "In the same area, house prices are often affected by the increase in both. For example, when the supply of primary property is large, developers will compete for customers, and the price will be relatively reasonable, which is relatively suitable for buyers who buy new houses; When the supply of first-hand buildings decreases, in the face of market demand, there may be cases where individual sellers hoard goods and prices rise irrationally. "

Excess houses can also be sold when the market is weak.

Ms. Li owns a 77-square-meter one-bedroom apartment purchased before marriage near Taixing South Road in Hedong District. Ms. Li's house has been vacant since she got married at the beginning of this year. She is going to sell it to improve her parents' living conditions. However, due to the low market activity, the price given by the housekeeper has never reached her expectations. "I hope that the price of the house will not be lower than 1.3 million, but at present, it will be reduced by at least 50,000-80,000."

In response to Ms. Li's situation, Zhang Yu believes that for small and medium-sized investors, even in the off-season, selling a house is relatively cost-effective. Holding a house is different from holding stocks, and holding real estate has a price to pay. Holding costs include property management fees, bank interest, decoration fees, maintenance fees and so on. Therefore, the premise of holding is that the income and appreciation brought by the house can cover the cost. Judging from Ms. Li's own situation, she is not a well-funded property buyer and needs to improve her living conditions by selling one and buying one. In this case, the psychological expectation price should be lowered appropriately. Because even when the market is weak, the cost of holding a house will not decrease. Selling the surplus and idle houses in time is conducive to providing space and funds for the next investment in the home purchase plan.

Property tax can be compensated by buying and selling transactions.

At present, for property buyers, there is still a psychological burden, that is, if you don't buy it when taxes are low, won't you lose money when you buy it when taxes are high? Speaking of this problem, we need to distinguish the taxes involved in real estate first. The current property tax is divided into turnover tax and holding tax. Turnover tax mainly includes business tax, deed tax and income tax. Turnover tax is only paid when property rights change. Holding tax is mainly property tax and property tax. Property tax is only for rental property, and no property tax has been levied. At present, the focus of tax adjustment is to crack down on speculative real estate speculation, which has little impact on self-use users. In addition, even if you are listed, as long as you have enough patience, you can always make inquiries from many parties to compensate this tax in the transaction.

Vacant rooms should be rented out at once.

People often say, "I have three houses now, and two are vacant." It seems incredible at first glance, but the actual situation is really like this. Some people think that the rent collected by renting is not worth the bank interest, while others are just waiting for renovation and want to sell the house.

20 13, Mr. Li invested and bought a 90-square-meter two-bedroom apartment near Jinbin Avenue. For the sake of sale, the house has been in an undecorated state. However, the supply of second-hand houses in this area is relatively large, and the houses have not been sold. 165438+1At the end of October, Mr. Li received a phone call from an intermediary, saying that a family was looking for a rough house as a warehouse and asked if they were willing to rent it. The rent is around 600 yuan every month. Although the price is relatively low, Mr. Li finally decided to rent it for a while. "The heating fee for the first two years of the new house has been paid, and the property fee near 200 yuan has also been paid every month. This is the cost. Moreover, renting a rough house does not need to prepare household appliances and furniture, which saves trouble. "

Zhang Yu believes that no matter whether the rental return of the house is high or low, you should choose to rent it out immediately and never let the house be empty. Emptiness is a loss. In addition, it is best not to choose a luxury house when renting a house, because it is not proportional to the rental price, especially when the market is weak.

Changing rooms is not affected by Danwangcheng.

Since June 65438+ 10 this year, improved demand has gradually become an active protagonist in the market, especially in the second-hand housing market. In the industry's view, the ternary pattern of "low-end security, mid-end market and high-end control" is accelerating. However, many people who are ready to change houses are waiting to see and are afraid to make moves.

The industry believes that for those property buyers who need to change houses, there is no need to consider the off-season factors too much. Generally speaking, the demand for self-occupation will not be affected by the general market situation, such as getting married and improving housing conditions. In the same lot, if the residential products are backward and there is a house exchange plan, it means more opportunities to sell the house and turn it into capital when the market expectation changes little.

This law is mainly applicable to non-speculative self-housing. "Whether the real estate market is a buyer's market or a seller's market, it involves a change in buying and selling identity for buyers who need to change houses. Therefore, the whole will not have a particularly great impact on individuals. If some interests are transferred when selling a house, then there will be corresponding interests when buying a house. So the psychological gap doesn't need to be too big. The most important thing is to find a suitable house to meet the needs of changing houses. "

Second-hand housing should cherish every trading opportunity.

(The above answers were published on 2016-01-15. Please refer to the actual situation for the current purchase policy. )

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