How about buying a house in Changsha?

Recently, many friends asked, can you still invest in buying a house? Objectively speaking, everyone's financial strength is different, and the expected value of investment is also different. Whether it is worth investing, we should analyze and grasp it ourselves.

Since the beginning of 2000, housing prices in Changsha have been rising all the way. When 200 1 just recovered, many investors saw the market rebound and quickly cashed out their long-held properties. In 2002, savvy investors once again focused on the real estate market. In 2003, the investment fever intensified, the market was out of stock, and developers raised prices at any time.

For investors with long-term vision, Shanghai's real estate is really worth investing, because the overall economic environment in Changsha is on the rise and has become the focus of world attention. So in the long run, Changsha's real estate will definitely increase in value.

The risk of buying a house investment, for the current return on real estate investment, mostly comes from: rental income, self-appreciation of real estate and resale income in the rising market stage. Under normal circumstances, the average annual return rate of real estate rent is around 4-5%, and now it can reach 8% in Changsha, and the annual return rate of some commercial houses can reach 20%. Due to the influence of the economic environment, house prices rise again and again, which is not only the self-appreciation of real estate, but also influenced by the market. Real estate has recovery period, high period, crisis period and recession period, and investors can't always measure it with high period return on investment.

At present, the rental market in Changsha has declined steadily, because the supply is too large and the competition is fierce. The investment risk of buying a house in Changsha, if you can't rent it out, the rent can't be deducted from the bank interest, and your mortgage is weak. What should I do? So there is a personal financial crisis.

There is a saying that there is no risk in investing in low-cost housing in Changsha, but it is not necessarily right. Because low-priced houses are often far from the city center, residents spend more time and money on transportation every day. With rail transit, the ticket price for one day is close to 10 yuan. Therefore, investment in low-rent housing should also measure the comprehensive cost of living. From this point of view, before investing in real estate, professionals should be invited to design investment plans according to their own financial strength, and the investment direction should be carefully selected according to the development of market, environment, transportation and economy. With the strengthening of personal credit system, the practice of "karate" is really not desirable.

I want to buy a house in Changsha. After all, I plan to work in Changsha, and renting a house costs so much money. Might as well buy yourself an apartment. At present, I prefer to live in the city center, because I don't intend to live for a long time. I plan to buy a second-hand house to live by myself for a while, and then change hands or continue to rent it out to others. Although I think a lot, I really don't know much about the housing market and am afraid of losing money. Please give me some advice. Or where is more suitable.

There is nothing suitable or inappropriate. The key is to look at the cost performance of the house you bought. Give a very simple example. Now the market price 10000 per square meter, the owner of this house only sells for 8000. Do you think it will be a loss? Moreover, the housing price in Changsha is also low-lying, visible, even if it can be reduced to where!

I also think that the housing prices in Xingsha are soaring now. Last year, the houses in Jingmeidi (community network forum) rose from 1900 to 2800 now. Now many buildings in Xingsha are under development, so come to Xingsha and have a look. The house that is cheaper now but the current location is not very good is probably 1800. It depends on your investment vision. As for the investment in houses and shops, I personally think it is the risk of houses.

(The above answers were published on 20 13-07- 18. Please refer to the current actual purchase policy. )

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