Is it better to buy a second-hand house at the end of the year or at the beginning of the year?

20 16, dying. Here comes 20 17. Every year when I go home for the New Year, I have to face two big questions: Are you married? Did you buy a house?

The only way to satisfy them is to let marriage and buying a house become a thing of the past. So if you have plans to buy a house, you must have a hidden question in your heart: will you buy a house at the end of the year or at the beginning of the year? Don't panic, today I will summarize an all-round house buying strategy for everyone. Buying a house at the end of the year or buying a house at the beginning of the year is a matter of life.

Benefits of buying a house at the end of the year:

1, the end of the year is the off-season of the property market, the price is stable, and it is possible to find a cheap house.

In the past, a subconscious "cat winter" affected people's buying habits when they entered the off-season. In addition, because there are fewer people who need to buy a house, such as marriage, the market usually shows a temporary phenomenon of oversupply. At this time, many homeowners who need to withdraw funds at the end of the year will sell their houses at a low price, so the price will be relatively cheaper.

2. Buying a house at the end of the year can avoid the "golden three silver four" house price increase in the coming year.

Recently, a real estate industry strategy report said that the real estate recovery cycle has been formed and the recovery will last until 20 19 years. In the next few years, real estate will be on the rise. As far as Chengdu, a new first-tier city, the decline in house prices may be almost zero. For many property buyers, they are used to buying houses in spring and autumn, so there are "three silvers and four silvers" and "nine silvers and ten silvers". As buyers enter the market, house prices will inevitably rise, so buying a house at the end of the year may also avoid the rise of house prices after next spring.

3. When buying a house at the end of the year, you can feel the lighting and ventilation of the house more intuitively.

Find a sunny morning and see when the house you choose will get the sun. If it's sunny early in the morning, don't worry. Because it can shine in winter, it can shine in any season. In addition, although ventilation can be seen in other seasons, it is not as obvious as winter.

4. Buying a house at the end of the year can comprehensively test the quality of property services.

In autumn and winter, leaves are everywhere, and the weather is cold, which is a good time to inspect the property service of the community. A good property management company will organize people to clean up fallen leaves and snow at the first time, the garbage bins will not be messy and unattended, and the security personnel will not disappear because of the cold weather ... Choosing a good property management company will also choose a good guarantee for their future living environment, which will invisibly improve their living quality.

Benefits of buying a house at the beginning of the year:

1, buying a house at the beginning of the year may enjoy the national easing policy.

Generally speaking, the state will issue corresponding policies to support the development of enterprises at the end of the year, so once the state issues corresponding real estate policies, it will take some time to transmit them to various departments. For example, the reduction of loan interest rates is mostly implemented from the beginning of the year.

2. Buying a house at the beginning of the year makes it easier for banks to lend money and the interest rate is reasonable.

By the end of the year, it will be more difficult for banks to lend, and less and less loans will be issued. In addition, imagine why the yield of wealth management products has been rising at the end of the year. The main reason is that banks need funds because of insufficient funds. Therefore, the cost of using funds is high, and the interest rate of bank lending will also increase. In contrast, it is better to borrow some loans at the beginning of the year.

Whether you choose to buy a house at the end of the year or at the beginning of the year, it is recommended to start as soon as the funds are sufficient.