How to choose a small three-bedroom with a down payment of less than 400 thousand? Can I borrow money to invest in buying a house?

Huatiantian

Q: Excuse me, what about Baoyi's advertising seal? Can I buy it? What is the appreciation potential?

A: Yes.

Advantages: Located at the intersection of North Second Ring Road and Yongquan Road, it has a good location and seized the scarce resources in the Second Ring Road.

1, separated from Hancheng Lake all the way, about 200 meters away from Hongmiaopo Station of planned subway line 8.

233,000 square meters of business, the surrounding Daxing Hospital, Tianlang Blue Life Plaza, Longhu Xingyuehui and Old Town Root Gpak can meet the housing security.

3. There are many urban reconstruction projects and resettlement projects around Hancheng Lake, but the number of improved new houses is very small, and Gongyin in Baoyi ranks first in appearance.

4. The latest 6# area120-21㎡, and the price 12775- 15836 yuan/㎡, are similar to those in the surrounding areas and Daxing Zhengrongfu. Secondly, the hardcover Dapinglou can be sold at the average price of Xi 'an, which can be said to be a product with high cost performance in the Second Ring Road.

Insufficient:

There are relatively few public schools around, but this is also the shortcoming of the whole region at present, and I believe it will be improved in the later period.

@ Mr. Sun

Q: What about the second-hand houses in Qujiang City Garden? Is it worth starting with? The teacher gave an evaluation.

A: If there is not much demand for comfort, you can consider it.

Advantages:

1. Qujiang City Garden is located in Furong West Road, Qujiang, which is a suitable Qujiang Phase I plate.

2. The surrounding facilities are relatively mature, about 2 stops from the main entrance of Qujiang Ruins Park, and about 3 to 5 minutes' drive from Qujiang Yintai, Wal-Mart Jindi Plaza and Golden Eagle.

3. At present, the average price of second-hand houses is about 1.6 million yuan/㎡, which is one of the cheapest communities in this area together with Qujiang Nanhu Primary School and Qujiang No.1 Middle School District.

4. Property fees and parking fees (1.2 yuan/㎡) are relatively low in Qujiang.

Insufficient:

1. The residential area was built on 20 12, and the old buildings were less afforested, which failed to separate people and vehicles.

2. The location of the first phase of the residential area is good, and some buildings in the second phase are close to the South Third Ring Road, so there will be noise.

Luoxi God

Q: I am young and my salary is not high. I want to buy a small three-bedroom apartment with a down payment of less than 400,000. What real estate can you recommend?

A: The price of a small three-room with a down payment of less than 400,000 yuan is basically within 1.3 million yuan/m 2. According to this standard, there are many properties that Chanba can choose, which can be focused on:

-Yu Jincheng:

Advantages: The property is developed in 12, with complete facilities, close to the Chanhe Station of the opened 1 line, and the 6/9 line under construction, with its own commercial body, surrounded by cade square and Huayang City. There are 5 kindergartens, 3 primary schools and/kloc-0 junior high schools in the internal school. This year, the school district is divided into Chanba No.7 Middle School.

15 Yuelongwan is on sale, near Taohuatan. It mainly sells 82- 143 units, and the blank price is 12000 yuan/㎡. As long as it can shake, it is the best choice.

Disadvantages: the roads in the first few periods are relatively narrow, the planning is unreasonable, and it is inconvenient to live in the later period.

-Greentown Xi Safe Village:

Advantages: The Olympic Sports Plate, the surrounding transportation system is sound, there are many parks around Bahe River, and two public schools, Shaanxi Normal University and Tieyi Middle School, are endowed with unique advantages.

The price of hardcover high-rise building is 10800 yuan/m2, but the apartment area is133-143m2. If the total price increases, your budget will be tight.

Insufficient: But at present, the surrounding people are less popular, and the lack of living atmosphere is a big problem.

-Lin Shiyuan in:

Advantages: The project is near the Chanba World Expo Park. It is a state-owned enterprise with a good surrounding environment. The school is Chanba 32 Primary School (formerly Dongcheng No.1 Middle School Huangdeng Branch), which is definitely not as good as Shaanxi Normal University and Tieyi Middle School.

The price of hardcover high-rise buildings is 1 1740 yuan /m2, second only to Greentown. According to your budget, you can buy a bigger apartment.

Disadvantages: the business distance is far away, which will be a little inconvenient.

-Royal marine landscape:

Advantages: It is located in Weiyang Lake plate, adjacent to Weihe River in the north and Bahe River in the east, and there is Chanba National Wetland Park around the project, with superior natural environment.

The main apartment is 99-112m2, and the average price of hardcover high-rise buildings is 12 152 yuan /m2, which mainly takes advantage of the cost performance.

Disadvantages: inconvenient transportation is the biggest disadvantage, followed by no supporting facilities in the region.

If the funds are really tight and you need to use the house urgently, you can choose. If the work place is far from the community, it is still recommended to be cautious.

-Demei Wanyou leads a couple:

Advantages: pure new site, good location, complete facilities, separated from the first wall of Chanba Middle School attached to Xida University, about 800 meters away from Chanba No.1 Primary School, about 600 meters away from Baozi Village Station of Metro Line 8 (under construction), and about 0.2 kilometers away from Guangtaimen Station of Metro Line 3.

The average price of high-rise blank is about 1.3 million yuan/㎡, which is quite convenient as just needed.

Disadvantages: the quality of real estate is average, small developers, no brand advantage, and the quality of delivery is debatable.

@ Wang Keke

Q: What about Dianjian Yuefu? It is said that the school is good, but the price is 16830 yuan/㎡. Is it a little too expensive? Thank you.

You can start.

Advantages:

1, which belongs to Fengdong New City Energy Finance and Trade Zone, is one of the fastest growing plates in Fengdong in recent two years.

2. The regional environment is good. Well-known enterprises and industrial parks have settled in one after another, and subway lines 1 and 16 meet here.

3. In terms of ecology, 50% of the total area of the Energy Golden Trade Zone will be used as green space and water system, connecting the urban landscapes of Fenghe River and Weihe River, and the regional development prospect is considerable.

4. In addition to self-provided kindergartens, this year's school district is divided into Xixian New Area No.1 Primary School, Gaoxin No.1 Middle School and Xixian New Area No.1 Junior High School (public). Among them, the No.1 junior high school in Gaoxin-Xixian New District will start in September this year, and it will be directly managed by Gaoxin No.1 Middle School, so the teaching staff and teaching quality can be completely assured.

5. The average price of hardcover high-rise buildings in this project is 16500 yuan/㎡, which is relatively low in Fengdong. In addition, there is no limit to purchase, and there is great potential for appreciation in the future.

Insufficient:

The popularity of the plate is slightly insufficient, and it takes time to wait for commercial support.

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Xiong y

Q: I want to ask about the transfer of ownership. My parents bought a house in my name. After 30 years of loan, there are still more than 300 thousand left. Can I repay part of the loan in advance and then transfer it to my parents' name?

A: No.

According to the law, a house with a mortgage can't be given away because it can't be transferred.

In addition, it should be noted that even if the loan is paid off, the transfer of ownership by gift will require more taxes and fees. Including: registration fee, deed tax of 3%, notary fee of three thousandths to four thousandths, etc. Moreover, if the house is a gift transfer, if it needs to be bought and sold again within two years, it is also necessary to pay 20% personal income tax.

If you don't pay off the loan and want to transfer to your parents' name, you can only buy and sell the house according to normal conditions. But the premise is that you must obtain the real estate license, because the second-hand housing transaction is based on the real estate license.

The specific method is as follows:

1, remortgage. That is, selling or transferring individual housing to a third party, applying for individual housing loan, changing loan term, changing borrower or changing collateral.

2. Use bank loans to pay off the remaining loans. But the premise is that the seller has collateral (such as other real estate) recognized by the bank. In this way, the seller can borrow a certain amount from the bank to pay off the real estate loan he wants to sell and promote the completion of the transaction.

@ Wei Zhu

Q: I handed over a second-hand house, 65438, in February this year, saying it was transferred by agreement. Is there such an operation method? Ask, thank you.

A: Be careful of being cheated. Without the proof of the developer, there is no way to transfer the ownership by agreement.

The house was handed over in June 5438+February this year, and you will not be given the real estate license immediately. He has such a process:

1. After the commercial housing is completed, the developer will first register (the completed house will be registered in the developer's name), which is what we usually call a big card.

2. Then the developer takes the big card to register the transfer of commercial housing with the owner, and then the owner can have his own real estate license. This process usually takes 2-3 years in Xi 'an.

3. In Xi 'an, the second-hand house transaction can only be carried out after the house has passed the second and third floors.

In other words, if you want to buy a house, you have to wait at least five years after the delivery.

If you want to buy that house now, you can change the buyer's purchase contract with the developer before handing over the house. The steps are as follows:

1. With the consent of the developer, the original owner cancels the house purchase contract.

2. After the contract is terminated, it is necessary to re-sign the contract with the developer and apply for online signing for the record.

With this operation, the house will be changed to your name.

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@ j.wang

Q: The house price in Xi 'an has risen sharply. I have a suite, but I also want to invest in one. But money is a little tight now. Should I borrow money to buy it first, or wait two or three years? What do you suggest I do to make more profits?

A: Proceed from your actual situation and do what you can.

I think if it's just a question of money, it's ok to borrow money appropriately. If there is too much difference, I suggest you work first.

1. You don't need it anymore. 40% down payment for buying a house. In other words, according to the average house price of a set of 100㎡, the down payment is conservative at 520,000 yuan, and the loan is at least 6,800 yuan per month. I wonder how much your monthly income is. I don't recommend it if you are living in poverty and are heavily in debt because of investment in buying a house.

You want to invest in buying a house because you are worried that the house price will rise in the future, but I don't think there will be any obvious fluctuation in the house price in 2-3 years, at least it will remain stable in these years. After all, the tone of "housing and not speculation" will not change in the short term, and the supply of Xi' an is still sufficient. Therefore, house prices cannot rise as fast as 20 16-20 18. Therefore, if you want to invest in buying a house, you don't care about waiting for these two years. Do you think that's the reason?

@ 中中中中中中中

Q: Hello, teacher. My monthly salary is 6000, and my family is average. Now that I am of marriageable age, my girlfriend has left. Many times because I don't have a room, people don't like it. Looking at Xi 'an's increasingly high housing prices, I am now very entangled in whether to go back to my hometown to buy a house, but I am not reconciled. What do you think I should choose? I hope you don't look down on me.

A: Don't steal or rob. What's to look down upon? Xi 'an, it's not your fault that the house price is so high.

1, you don't have a girlfriend, it's definitely not because you don't have a house. In Xi 'an, you can get a monthly salary of 6,000 yuan, which is higher than many people. Except your college days, you have only worked for a few years, unless you are a particularly outstanding person. Few people can buy their own houses at a young age, so you don't have to feel inferior at all.

I suggest that you work hard in the workplace for several years and accumulate funds, and then consider whether you can gather the strength of your parents, relatives and friends to choose to get on the bus in Xi 'an. Because, although the house price in the county is cheap, there is limited room for appreciation, and even if you go back to your hometown to buy a house, the house will eventually be empty, but you can't live with the money. What's the point of buying a house?

3. You can also apply for * * * property housing, which is a policy commodity housing for registered residents and all kinds of talents who have no own housing in this city and have no housing registration information and transaction records within 5 years. The price is 50%-80% of the same period, location and quality commercial housing, but you need to apply at the window of Xi 'an affordable housing service hall.

Article source: Xi An property market intelligence