How to invest in buying a house under the restriction of purchase is cost-effective. I'll tell you in vernacular.

1. Is there investment potential for commercial and residential buildings?

The advantages of commercial and residential buildings are unlimited purchase, low total price, and the down payment is mostly lower than that of ordinary houses, but it is not necessarily because the down payment for commercial and residential buildings should start from 50%. The water, electricity and gas access situation of commercial and residential dual-use houses is different due to the developer's planning. Some livable commercial and residential projects are people's water, people's electricity, people's gas, and even the school district housing configuration. Generally, the value of such projects is relatively high. Compared with ordinary houses in the surrounding 70 years, the management of the community will be stricter, the greening environment and supporting facilities will be more perfect, and the corresponding property fees will be relatively higher. However, due to the high taxes and fees, it is relatively difficult to change hands, and the buying and selling market is relatively small, mainly leasing. But in the final analysis, it is necessary to combine your own purchase purposes and needs. If it is a steady investment, it is still more reliable.

Xiao Yuan: Don't try to make a change. It's good to pay the rent.

2. Will the evaluation price affect my loan result?

That's right. The evaluation price of the bank will have a certain impact on the final loan ratio. For the sake of risk control, the evaluation company sometimes reduces the evaluation amount, thus affecting your subsequent loans. For example, if the market price is 2.5 million and the appraisal price is 2.3 million, then the extra 200,000 may need you to make up the down payment ratio, and then your loan will be reduced. If an individual needs to know the appraisal price of a house, he can go directly to the bank for appraisal without choosing an appraisal company. For buying a house, the bank's evaluation price is still relatively valuable.

Obara: Most bank reviews are accurate and free! Pro-test!

Everyone knows that the location of buying a house is very important, so how should we choose the location and location of the house? How far is the house worth paying attention to?

Due to the development of urbanization, we can pay more attention to time distance rather than physical distance. When choosing a house, you must pay attention to the surrounding traffic conditions, such as bus, subway, bullet train and rail transit. First of all, the bus BRT channel, basically a 6-8 lane road has bus lanes on both sides. When the commute is congested, the bus dedicated to the bus simply flies smoothly. In addition, it goes without saying that the subway runs every 3 minutes and there is no traffic jam. From the perspective of time cost, there is not much difference.

Ohara: There is a distance, which you think is far ~

4. Then the problem comes. Through which channels can urban planning be inquired?

Inquiring about urban planning in official website will lag behind. You can make suggestions through local Weibo and official WeChat accounts, including local newspapers. Paying attention to the communities along the rail transit in the near future will make it easier to find market signals.

Ohara: Keep your eyes open.

5. Will the current real estate title certificate have any impact on the owners?

Chengdu is currently implementing the certificate of immovable property rights. In fact, to put it bluntly, it is not much different from the real estate license. It is only clear that the house belongs to the owner and the land is the concept of the country. It is also to have a unified standard and strategy for collecting property tax in the future. But you don't have to be too nervous. At present, the property tax has not been clearly defined and explained, and it still needs to wait for the state to introduce policies.

Waiting for details ...

6. Will the 50-year property right of commercial housing expire and how to renew it later?

According to the current urbanization process, the market view of housing property rights will basically be rebuilt in less than 50 years. Before this, there was a news about the expiration of Wenzhou property rights. To sum up the whole thing briefly, due to some historical reasons, Wenzhou has a number of houses with 20-year property rights, which will expire one after another in the near future. This involves the issue of renewing the contract. If the household renewal is the mainstay, according to the existing regulations, it is necessary to pay the land transfer fee accounting for about one third of the total house price. This reminds us that if we want to buy or buy a second-hand house, we must be sensitive to the land use period. If you see a "good quality and low price" house, your first reaction should be to ask how many years are left in the land use right and convert the lost years. Don't think that if you get a big bargain, it will still be a lot of money in the end.

Xiao Yuan: Wait for the demolition to become a local tyrant! !

7. I was restricted from buying, but I can meet the conditions for buying a house after two years. How can we make a good plan to buy a house?

Because you can't buy a house because of the purchase restriction, considering that the money in your hand is easy to depreciate in the case of serious inflation. The most stable investment idea is to buy a commercial and residential dual-use house in the city center first, and then consider buying a house in the outer suburbs of Chengdu after meeting the requirements in the future. Everyone must be clear about their own needs and plans for buying a house. There is no need to go with the flow.

Xiao Yuan: I am who I am. Buying a house er is different ~

8. Where is the purchase value of real estate in Chengdu?

In fact, the development process of Chengdu is second only to the first-tier cities such as Beishangguang, and the tourism industry is very developed. The scenic spots basically cover the urban area, and it is also a good choice as a tourism investment. From the price point of view, there is no crazy rise and fall, the value is relatively stable, and the urban planning is relatively perfect, and the public facilities are also very perfect. If it is used for rent, the average rent can reach about 3000. If the location is well chosen, it can be guaranteed not to be vacant, which is also a good choice.

Xiao Yuan: Tourism investment is also a good choice, and providing for the aged is also great.

9. From the investment point of view, is it appropriate to buy the old city and the small city?

(The above answers were published on 2016-11-10. At present, please refer to the actual situation for the relevant purchase policy. )

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