Will house prices fall? Do you want to buy a house? 20 suggestions for buying a house after the epidemic.

The sudden outbreak in early 2020 disrupted many people's plans to buy a house and change houses. During the epidemic, you may have watched more than a dozen live webcasts, registered the online sales departments of several developers such as Hengfangtong and Xingfutong, and are still hesitant to "start".

With the relief of the national epidemic, offline business departments have opened one after another. Can you buy a house after the epidemic? How will the market go? What are the changes in the logic of buying a house? Ruili Jun sincerely gives some suggestions today for your reference if you have the need to buy a house.

Will you buy a house after the epidemic?

First, if you just need a family, you must have a "house-oriented guarantee"

During the epidemic, the "closed isolation" of major communities has become a ban for some renters to enter the community. Many people who used to live by renting houses shouted "The first thing after the epidemic is to buy a house". House is the stock of the city, and house is the stock of the city. For buyers with rigid demand, if they trust the brand and quality of real estate, they can use the preferential promotion of developers to start in time. If you need to wait for the property to get the certificate, you should also know in advance.

Second, improve the group, live well, really well.

The epidemic was isolated at home for almost a month and stayed at home for 24 hours, which made more people reflect on the safety, comfort and health of their homes. Changing to a relatively safer and more spacious residential area can not only relieve anxiety, but also pursue a high-quality life.

Third, if possible, don't put eggs in one basket.

Many people own multiple properties, and even if they don't live, they can rent them out at any time to earn income. However, we should pay attention to choosing valuable properties in different cities to avoid policy risks to the greatest extent, such as suddenly restricting purchases and sales and locking in liquidity.

Fourth, cash flow! Cash flow! Cash flow! Say the important things three times.

20 19165438+125 October, the China Financial Stability Report (2019) released by the People's Bank of China shows that the leverage ratio of China's household sector was 60.4% at the end of 20 18, exceeding the international average.

The epidemic has an impact on most people's income, but rent, mortgage, flower beds and other bills will not be discounted, so many people have shown a strong willingness to hold money. Whether it is just needed, improved or invested, we must judge the situation and do what we can, and we need to be cautious when adding leverage.

△ Ruili Statistics A questionnaire survey of customers in Sichuan, Chongqing, Yunnan and Guizhou provinces showed that about 54% of the customers interviewed said that their income had decreased under the epidemic, and about 9.4% of the customers said that they might lose their jobs and completely lose their sources of income.

Fifth, buying a house in disorder may "lose the wife and fold the soldiers."

Starting from 2020, don't buy a house indiscriminately. Different types of houses, such as houses, apartments, office buildings, shops and parking spaces, have different property rights and return cycles. It is necessary to consider that safe home ownership and family assets will not shrink, and liquidity should be placed first.

△2065 438+08-2065 438+09 Both the volume and price of shops and office buildings fell, which seriously underperformed houses (Source: National Economy).

How will the market go?

Sixth, the policy "give sugar to eat" and the market picked up.

In 2020, the turnover of most developers plummeted by 90% compared with the previous Spring Festival, and the market was temporarily "frozen", but the recovery was just around the corner. In the past week, Wuxi, xi, Shanghai, Shenzhen, Xiamen, Nanchang and other cities have issued favorable policies for the real estate industry. (For details, click: "An Overview of a Picture | Key Policies of" Stabilizing the Property Market "in National Super 20 Cities")

For developers: the pre-sale threshold is lowered and the total investment reaches 25%. Even if the project leaves the ground, it can also apply for pre-sale, and the pre-sale funds can also be withdrawn in advance, alleviating the tension of the developer's capital chain.

For buyers: relax the restrictions on settlement, purchase subsidies, and increase the amount of provident fund loans to give buyers support and confidence.

△ Some favorable policies for property buyers in some cities

Seventh, the mortgage interest rate is lowered and the down payment is reduced. On February 20th, the central bank lowered the medium and long-term mortgage interest rate of LPR by 5 basis points. Take the first home loan of 6,543.8+0,000 yuan as an example. After 30 years of equal repayment of principal and interest, the monthly payment will be reduced from 5,246 yuan of 1 to 52 yuan of16 yuan, about 30 yuan.

February 24th 2 1 Century Business Herald Zheshang Bank recently issued a notice on the adjustment of personal loan policy, focusing on the following: the proportion of down payment loans for first homes in cities that are not restricted to purchase will be reduced from 30% to 20%. Zheshang Bank rushed ahead and other banks kept up, which was a high probability event.

Note that these favorable policies are "rain you have melons" (related to you)!

△ Are Zheshang Bank outlets restricted?

Eighth, the "power of the wild" of housing enterprises is just your "benefit of the wild". During the epidemic, Internet marketing tools such as online sales offices, VR house viewing and live viewing have mushroomed. When selling a house online was tepid, Evergrande bought a house at a 75% discount, which dispelled the worries of buyers who were afraid of buying expensive things and buying the wrong ones, and gave consumers the double protection of buying a house at the lowest price and checking out for no reason. Subsequently, well-known real estate enterprises such as Sunac, Poly, Longhu, R&F, Shimao, Xuhui, etc. also implemented measures such as no reason to check out, online booking discounts, and price difference compensation to activate the market. Housing enterprises began to carry out such a large-scale discount promotion, and guaranteed to return a house unconditionally or make up the difference, which is a great sight of the property market in recent years!

Ninth, house prices will not be greatly adjusted, and I believe in the determination of "three stability". Due to the different background conditions of the real estate market in different cities, the impact time of the epidemic on different cities is very different, and the impact of the epidemic on housing prices is more complicated, but "stability" is still an unshakable iron law.

On the one hand, the central level has not changed the main tone of real estate: stabilizing housing prices, stabilizing land prices and stabilizing expectations, and preventing and resolving risks in the real estate market is still the top priority. Many cities are "trying" to formulate policies, but they are cautious. Under the policy of restricting purchases and loans, it is difficult to form the supporting conditions for the "skyrocketing" of housing prices only by a small amount of investment and improved rigid demand and "incremental" demand.

On the other hand, in order to stabilize housing prices, local governments will also limit the price reduction of real estate. Coupled with the current high land prices and construction costs, developers have limited room to reduce prices.

Tenth, under the psychological effect of "hunting the bottom", Xiaoyangchun is "late". On the demand side, the epidemic will lead to the precipitation and accumulation of rigid housing demand in the near future (especially the real first-home buyers), which may be released after the epidemic; And under the psychological effect of "bargain hunting", there is also a willingness to enter the market for improvement (housechangers without loan records) and even investment demand (buyers who have not used their qualifications to buy houses).

On the supply side, after the epidemic, developers will actively push the market instead of "hoarding houses". There are more saleable houses, and the market activity will be greatly improved.

Eleventh, the bargaining power of new houses is improved, and second-hand houses are more "sticky".

For new houses, because developers are eager to store customers, get back the deposit or prepare for the sprint after the epidemic, buyers are "holding money for purchase", and the bargaining power has indeed improved.

However, for second-hand houses, because of their huge value, use value (rental, self-occupation) and durable goods, house prices are "sticky". Therefore, if the homeowner is not in urgent need of money, he is willing to wait, and he is rarely willing to take the initiative to significantly reduce the price.

Twelfth, pay attention! The second quarter is still the window of buying a house. As mentioned above, the epidemic may have a certain impact on residents' employment and income, but in the long run, the epidemic will not lead to the disappearance of housing demand, especially for those who just need it, but it will delay the housing demand. As the epidemic is gradually controlled, it is expected that the market will fully recover in March. In the second quarter of this year, with the shipment of developers and the superposition of various housing policies, it is expected to be a better window period.

What changes have been made in buying a house?

Thirteenth, houses in big cities smell good. From a fundamental point of view, good resources are mainly concentrated in big cities. The number of hospitals, the level of medical care, and the attention and measures at the national level after the epidemic will all tilt resources to big cities, so it is more secure to buy a house in first-and second-tier cities in the future.

Fourteenth, remember to buy a property with more "texture" if you have money.

This epidemic is like a magnifying glass, imperceptibly bringing about changes in lifestyle and lifestyle. Property buyers prefer projects with low density, low floor area ratio, low ladder-to-household ratio and large balcony and garden.

Fifteenth, we should pay attention to the layout of huxing when we have money and no money to buy a house.

Households that can withstand 7*24 hours inspection: North and South are transparent, and the indoor ventilation effect is good; As far as the overall layout is concerned, the movement in the suite is distinct, and the owner's office leisure and the rest and play of the elderly and children do not interfere with each other; At the same time, sufficient storage space meets the storage requirements.

Sixteenth, don't ignore the porch.

In the past, buying a house often ignored the importance of the porch, only as a storage space, dispensable. In fact, the entrance can be used as a disinfection area, and it can also be equipped with equipment such as deodorizing shoe cabinets and clothes deodorizing machines, which is the first barrier to home safety.

Seventeen, the dining table is unbearable, and the study is just needed.

Only in the face of emergencies or crises will we find the needs that we can't find at ordinary times. The previous research only focused on high-end improvement products. But even if it is a small apartment with learning space, happiness will be stronger.

△ Your dining table during the epidemic (image source network)

Eighteenth, free your hands, wireless city is the trend.

Intelligent and well-equipped buildings such as face recognition, voice recognition, floor entry, access control and contact-free, community access control automation and elevator contact-free are more worth buying.

19, what was the most expensive in the 20th century? Health!

When buying a house after the epidemic, we should pay attention to healthy rooms characterized by environmental protection and comfort, such as Jinmao's health science and technology room and ocean well system certification room, which have been developed in the early stage. I believe that more enterprises will pay attention to it next. Of course, many "healthy rooms" in a short period of time do not rule out gimmicks. Please keep your eyes open when buying a house!

Twentieth, the most important consideration in buying a house is the property. During the epidemic, Poly Property guaranteed health, New Hope Property provided food, Country Garden Property paid attention to your psychology ... We realized that property services were so important-the community was the basis of grid management, and the property was the last line of defense for "street fighting and epidemic prevention". (Click for details: "What kind of property will change real estate after the epidemic? 》)

△ Some properties explore value-added services.

Wen | Qiu

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