Buying a house, carefully selecting the small details of the property matching, only to see the big problem.

In the face of rising housing prices, the pressure to buy a house is growing. How to improve housing quality under the premise of limited funds? Even if you live in a house, you must consider the future appreciation space when buying it. But remind the majority of property buyers that the state's regulatory policies are frequent, and there is a growing trend. When buying a house, you must understand the policy so as not to be useless.

Tip 1: Buy a lot of real estate.

Of course, we can't go to the first-class lot to find a house, because every city has pushed the house price in the central lot to a new height during the sharp rise in the previous two years, which is beyond the concern of ordinary consumers. The lot mentioned here is a developing lot, and traffic facilities and special economic zones can be used as two major standards.

Transportation facilities include light rail, subway and intercity rapid rail transit line. Most of them are in areas where municipal traffic is rapidly updated, and their positions are constantly improving; Especially near the light rail entrance and exit, where the subway terminal is located, these places will form a regional commercial center in the future. Even if a business center cannot be formed, an affiliated lifestyle community will be formed based on the traffic along the route and nearby residents.

Special economic zones include development zones in every city, as well as business centers and employment centers. Neither of these areas is built in the center of the city. On the contrary, new towns, new urban functional areas and new evacuation areas are the best choices for these commercial and employment areas. Houses purchased during the formation of the new area will not suffer from the digital deficit with the lot.

Tip 2: Parents' property can be transferred to get a loan to offset the down payment of the second house.

Data analysis shows that more than 60% of marriageable young people say that they can't afford to buy a house in the face of current housing prices, and about 40% of them say that even with the support of their parents, the current down payment is still difficult.

It is suggested that such customers can transfer their parents' property to obtain loans to offset the down payment of the second house. There is such an example: Xiao Cui is going to marry his girlfriend, and the down payment is not enough. Because Xiao Cui's parents haven't paid off the house loan in 2007, they can't get the money at present. Finally, Xiao Cui's parents decided to transfer the property to Xiao Cui's fiancee and made a mortgage in her name. As the property appreciated by about 800,000 yuan in less than three years, the bank approved a loan of 6,543.8+2,000 yuan, of which 300,000 yuan was used to pay off the final payment for Xiao Cui's parents and 900,000 yuan was used as the down payment for another property under Xiao Cui's name. This approach must measure whether the family's monthly income can withstand the pressure of two properties and avoid the embarrassment of making ends meet because of the high cost of holding.

Trick 3: Choose the repayment method reasonably under the interest rate increase.

Under the interest rate channel, equal principal repayment is more cost-effective than equal principal and interest repayment and fixed mortgage interest rate, and it is the most economical repayment method. Matching principal and interest repayment refers to the equal repayment of loan principal and interest every month from the second month of using the loan. Average capital repayment method means to repay the loan principal in equal amount on schedule during the repayment period, and at the same time pay off the interest generated by the unpaid principal in the current period. Under the assumption of constant interest, the total interest plus principal paid by equal principal and interest is lower than the average capital. However, under the strong expectation of raising interest rates, average capital's repayment method has a large repayment amount in the initial stage, and at the same time, the interest is low. With the passage of time, although the interest has increased, the principal has also decreased relatively, and the total interest burden has also decreased.

For different people, the choice of repayment methods is also different. Matching principal repayment, in the initial repayment stage, due to the large interest-bearing principal, more interest needs to be repaid, and the overall repayment amount is large. As time goes on, the repayment amount gradually decreases. Compared with some people who have just entered the workplace, the repayment burden is heavier. Therefore, this repayment method is suitable for mature white-collar workers with higher income and relative stability. For young people who just work, it is more appropriate to use the equal principal and interest repayment method.

Tip 4: Choose a good property and don't buy a house in the suburbs.

What should I do if the water pipe bursts, the wires trip and the elevator lights flash like ghosts? We buy a house because we want to live in peace of mind and live a quiet life. Let the property management worry about these messy things. Choosing a property is as important as choosing a house.

It is obviously not advisable to get up at 6 o'clock every day and spend 2 hours on the way to and from work. Moreover, traffic is still a problem in the future, and we need to inspect it ourselves. Don't listen to the developer. You may have a car, but your wife usually doesn't. Convenient transportation allows us to move freely in this city, while houses in the suburbs appreciate slowly, have little room for appreciation, and have incomplete facilities. If you are uncomfortable, you will have trouble changing hands.

(The above answers were published on 20 15- 12-27. Please refer to the actual purchase policy. )

Click to view more real estate information.