The impact of the epidemic on Guangzhou's housing prices How to borrow money to buy a house after the epidemic?

More people haven't bought a house yet, and recently, because of the epidemic situation in that area of Wuhan, many people are very troubled, especially in real estate. Everyone should know about real estate, but in real estate, the price is very important. Then the question is coming. What impact does the epidemic have on housing prices in Guangzhou? After the epidemic, how to borrow money to buy a house when house prices fall?

Influence of epidemic situation on housing prices in Guangzhou

Comparatively speaking, the decline in house prices in 2020 is a foregone conclusion. Chen Wenjing, deputy director of R&D Center of China Finger Research Institute, analyzed and predicted that with the increase of real estate investment of about 10%, there will be a further narrowing trend, but the overall narrowing range will reach the middle and low speed level, about 7%, and the Chinese Academy of Sciences thinks that the price will rise and fall by 6. 1%.

1. Whether the house price rises or falls after the COVID-19 epidemic mainly depends on the second quarter. According to statistics, compared with the Spring Festival in previous years, the initial turnover of most developers plummeted by 95%. In the second quarter, if the housing enterprises are more eager to achieve the annual target, they will continue to reduce the price reduction promotion, thus extending the price reduction promotion that originally ended in the first quarter to the second quarter. If the market turnover is good in the second quarter, the pricing strategy of housing enterprises will be slightly tough in the second half of the year. At this time, it is necessary to plan ahead.

2. The stagnation of real estate transactions caused by this epidemic has brought downward pressure on housing prices all over the country, especially in third-and fourth-tier cities. After missing the peak of returning home, housing prices in third-and fourth-tier cities are under great pressure after the COVID-19 epidemic. In addition, after the outbreak, some places may give different degrees of flexible policies to influence the rise and fall of house prices according to the local property market situation under the background of city-specific policies.

After the epidemic, how to borrow money to buy a house when house prices fall?

1. Loan If there are bank staff stationed in the sales office, the buyers can hand over the prepared materials to the bank. The lending time is related to the processing speed of banks and the capping of buildings. Take Beijing as an example. In the case of auction, after the loan time of commercial loans and municipal provident fund loans is capped, the mortgage time of state-managed provident fund loans has nothing to do with capping or not.

2. Buyers who inspect houses need to wait for the developer to inform them of the delivery, and pay attention to the delivery time. When inspecting the house, you should carefully check every detail of the house, or you can find a professional to inspect the house. Check three certificates, two books and one table. If the developer can't produce these certificates, he can refuse to accept the house.

3. After paying taxes and collecting the house, you need to go to the local taxation bureau to pay taxes. Generally speaking, commercial housing needs to pay deed tax and residential special maintenance fund, and then pay property fees, heating fees, parking spaces and other fees.

4. For housing loans, buyers only need to hand over the preparation materials to the developers. Under normal circumstances, from the date of check-in 180 days (existing house) to 270 days (forward house).

What the above contents mainly describe is the impact of Bian Xiao epidemic on Guangzhou housing prices? As for the specific introduction of how to borrow money to buy a house after the epidemic, no matter where the house is, the price will always change. Of course, due to the impact of the epidemic in recent days, some aspects may not be discussed, so before that, we need to prepare for every detail.