Are you qualified to buy a house? Five problems in evaluating the ability to buy a house

Many people will think twice before buying a house and make up their minds. Do I have enough money? Am I qualified to buy a house? How much can I borrow? The reason is that I have doubts about my ability to buy a house, so how to accurately judge my ability to buy a house?

Question 1: Is it eligible to buy a house?

2065 438+06-2065 438+07, many cities across the country issued purchase restriction orders, and buyers who intend to buy houses in various places must know the conditions to be met in advance. Up to now, the restricted cities include: Beijing, Shanghai, Guangzhou, Shenzhen, Tianjin, Nanjing, Wuhan, Xi 'an, Hangzhou, Chengdu, Changsha, Suzhou, Dongguan, Foshan, Ganzhou, Hefei, Hainan, Jurong, Jiaxing, Jiangmen, Jinan, Lianjiang, Lanzhou, Langfang, Nanchang, Ningbo, Nanning, Qinhuangdao and Nanchang.

Question 2: Have you determined the intended housing?

Before buying a house, buyers must consider what kind of demand they want to buy a house to meet according to their actual needs, and then find a suitable location. Between the same cities, the difference in location will lead to a large gap in housing prices. Knowing the approximate house price in each region in advance can allow buyers to predict a general tolerance range in advance. Then calculate the approximate housing area. Of course, we also need to consider the floor, orientation, huxing and other factors.

Question 3: How many assets are available?

For buyers with sufficient available assets, they can choose to buy a house in full. For property buyers with weak economic ability, they should be cautious. Judging the available assets of buyers can start from two aspects, one is the existing realizable assets, and the other is the income and expenditure situation.

Existing realizable assets include deposits and liabilities. Deposits include not only cash, but also available assets such as provident fund and wealth management. Liabilities include credit card arrears, bank loans and other arrears. Income and expenditure mainly refers to the fixed income and expenditure of each month, which can be used to simply calculate your monthly supply capacity.

Question 4: How strong is the loan ability?

Loan capacity mainly involves two aspects, one is down payment, and the other is monthly payment. The down payment amount depends on the available assets of the buyers in question 3, and it is generally believed that the monthly payment does not exceed 50% of the total household income. There are generally two ways to choose repayment methods: average principal and equal principal and interest. The former is the pressure in the early stage, and then the monthly supply gradually decreases; The latter is that the monthly supply remains unchanged, which is more suitable for property buyers with relatively poor economic ability.

In addition, buyers also need to pay attention to personal credit status, which determines whether they can successfully apply for a house loan. The age and age of buyers affect the loan period.

Question 5: Consider the balance of expenditure.

In addition to the purchase price, the buyer also needs to prepare three other expenses. First, taxes and fees, first-hand housing buyers should prepare maintenance funds, deed tax and supporting fees. Those who buy second-hand houses also need to pay intermediary fees, deed tax, value-added tax and surcharges, individual taxes, loan evaluation fees, etc. Second, housing maintenance costs, including property costs, heating costs, gas costs, utilities, internet fees, parking fees and so on. The third is reserve funds, including family daily expenses and medical funds.

(The above answers were published on 20 17-06-07. Please refer to the actual purchase policy. )

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