How much is suitable for buying a house? Pay attention to these six budgets

Many people who plan to buy a house will be confused. How much should they prepare? Do you have enough money on hand? How much more do you need to borrow? In fact, buying a house can't just focus on the house price, and the expenses incurred by real estate, taxes and other related projects can't be missed. The following six points can be taken as the key consideration scope of the purchase budget.

I. Reference land price level

In the price of commercial housing, land price accounts for a large proportion. The value of a house depends on its location. For example, the higher the land price in developed areas, the lower the land price. When you plan to buy commercial housing, you can refer to the land price level in different regions and choose a house in a certain region according to your own financial strength.

Second, choose the housing area

After the location of the house is determined, the area, apartment type and floor of the house to be purchased are compared. Commercial housing costs tens of thousands of yuan per square meter, so every square meter should be carefully calculated. According to the number of family members, the use function of the house, economic strength and so on. No matter what kind of house you choose, the total construction area of the house should be preset.

Third, understand the property expenditure.

Once the commercial housing is sold, buyers will begin to bear all the expenses of the house, such as repair, water and electricity heating, elevator, security and so on. If these expenses are not considered enough, you will face embarrassment when buying a house. At the beginning of this project, it is about several hundred yuan or even thousands of yuan per month, and the charging standards in different regions are different. It is necessary to know the details before buying a house.

Fourth, consider the ability to repay loans

The savings in hand determine the amount of down payment, but the monthly payment after buying a house is also an arduous task every month. We should make a reasonable plan according to our own economic strength. There is a trade-off between down payment and loan. In order to reduce the repayment pressure, it is necessary to increase the down payment ratio as much as possible. Conversely, the lower the down payment ratio, the greater the repayment pressure in the future.

Five, calculate the decoration cost

Decoration and proper housing maintenance funds must also be taken into account. In addition, there are some necessary installation fees for living facilities, such as opening pipeline gas, cable TV and broadband network. You should also consider the cost of buying new furniture, household appliances and decoration.

Six, the purchase of various taxes and fees

The payment of taxes and fees accounts for a considerable proportion in the purchase of real estate, among which the most important taxes are deed tax and real estate transaction fee.