Please observe the eight basic laws when buying a house. Buying a house in the off-season is a good time.

Buying a house can be said to be a major event in citizens' lives. Every family wants to spend money on the cutting edge and buy a good house that is worth the money. In particular, the introduction of various favorable policies, many of which were suppressed before.

Market demand has been released and market activity has increased rapidly. How can I choose a satisfactory house? Is the light market suitable for changing houses and buying houses? The reporter summed up the eight basic laws of housing transactions to provide reference for readers to buy a house.

Inspection and guidance.

Law 1: buying a house in the off-season is a good time.

Because of her husband's job transfer, Wang Meng and her husband, who live in Meijiang Kangcheng, Xiqing District, Tianjin, have the idea of buying a new house. "It turned out that he works in Xiqing Development Zone, and it is very convenient to go to work. But after being transferred to Hebei District, every day

Driving to and from work not only consumes a lot of road time, but also consumes a lot of gasoline. Moreover, my home is also in Hebei District, so it would be relatively convenient if I could move there. "Wang Meng told reporters that she also looked at it after she planned to buy a house.

I bought a lot of second-hand houses, but I was hesitant to see the trend of the market and the continuous introduction of policies. "I want to wait until the house price comes down, but waiting is not the way. What should I do? " I have the same difficulties as citizen Wang Meng.

There are not a few people who are confused.

Zhang Yu analyzed that there is a common sense that it is always difficult to buy a satisfactory house in the market at any time, while it is relatively easy to buy a cheap house.

Why do you say that? Because the characteristics, attributes and quality of each house are different, and everyone's tastes and hobbies for the house are unique-such as where the children go to school, where the wife works, and so on. So find a price.

There are many opportunities for standard rooms, but it is not so easy to meet the needs and preferences of self-occupation at the same time. If we get rid of this understanding, simply from the market trend, the off-season is a good time for buyers to buy their own homes, because it is light

Investors and real estate speculators will withdraw from the market in large numbers, which not only means that there are more choices, but also the price tends to be rational and it will be cheaper to buy a house.

Law 2: Interest rates always change.

On the afternoon of October 2015165438+1October 2/kloc-0, the People's Bank of China announced a rate cut, and the mortgage interest rate was also lowered accordingly, which brought benefits to people who needed to buy a house. This makes many citizens think that investing in the real estate market.

It's time. However, people in the industry generally believe that reducing interest rates or raising interest rates mainly has a greater psychological impact on citizens, and the actual impact is relatively small. Historically, the interest rate of housing mortgage was once very high, and we

I have also experienced many interest rate cuts. But in fact, in the economic society, it is normal to raise interest rates or cut interest rates, which brings limited changes to daily life. We should adjust our mentality according to the change of interests, not static, but dynamic. From a man

For a long time, high and low interest rates should not be the primary factor affecting home ownership.

Let's work out an account. According to the calculation, take the loan of 654.38 billion yuan with a term of 30 years as an example. If the buyers choose equal repayment, they will repay 6353.6 yuan per month before the central bank cuts interest rates.

Yuan. After the interest rate cut, the monthly repayment is 6092.28 yuan, and the monthly repayment is 26 1.32 yuan. For an ordinary family, this figure may only be the price of a meal or a piece of clothing, and it will not affect daily life.

The quality of life has an impact.

Zhang Yu believes that the key to home ownership is to consider opportunity cost, capital liquidity and ability to pay. If the property buyers have sufficient funds for purchasing houses, or the liquidity of funds is relatively smooth, and there is a plan for purchasing houses, then

When the bank cuts interest rates, you can choose the right housing. However, this kind of purchase decision should be based on its own ability to pay, rather than blindly following the trend and entering the market with the mentality of "taking advantage". Once beyond the actual experience

Economic ability, it is likely that the future quality of life will be affected by repayment pressure.

Law 3 Pay attention to regional supply when buying a house.

When buying a house, buyers should not only pay attention to factors such as transportation, supporting facilities, regional development prospects, developer brands, but also consider the overall supply of real estate in the region. "In areas with a large supply of primary buildings, it is better to buy primary buildings; On the contrary, it is more suitable for buying in areas with more second-hand housing supply. "

Zhang Yu believes that when the market is on the rise, the price of primary buildings is higher than that of secondary buildings; On the contrary, the price of second-hand buildings is higher than that of first-hand buildings. The main basis of this law is that market suppliers always include both small businesses and small businesses.

Lord. "In the same area, house prices are often affected by the increase in both. For example, when the supply of primary property is large, developers will compete for customers and the price will be relatively reasonable.

Relatively suitable; When the supply of primary property decreases, in the face of market demand, individual sellers may hoard goods and prices will rise irrationally. "

Law 4 When the market is weak, you can also sell the extra house.

Ms. Li owns a 77-square-meter one-bedroom apartment purchased before marriage near Taixing South Road in Hedong District. Ms. Li's house has been vacant and ready to be sold since she got married at the beginning of 20 15.

Later, I improved the living conditions for my parents. However, due to the low market activity, the price given by the housekeepers could not meet her expectations. "I hope that the price of the house is not less than 6.5438+0.3 million, but at present, it must be reduced by at least 5-8.

Wan ".

In response to Ms. Li's situation, Zhang Yu believes that for small and medium-sized investors, even in the off-season, selling a house is relatively cost-effective. Holding a house is different from holding stocks, and holding real estate has a price to pay.

Holding costs include property management fees, bank interest, decoration fees, maintenance fees and so on. Therefore, the premise of holding is that the income and appreciation brought by the house can cover the cost. Judging from Ms. Li's own situation, her own

Property buyers with insufficient funds need to improve their living conditions by selling one set and buying another. In this case, the psychological expectation price should be lowered appropriately. Because even when the market is weak, the cost of holding a house will not decrease.

Less and timely sale of redundant and idle houses is conducive to providing space and funds for the next investment in home ownership plans.

Law 5 Property tax can be compensated by buying and selling transactions.

At present, for property buyers, there is still a psychological burden, that is, if you don't buy it when taxes are low, won't you lose money when you buy it when taxes are high? Speaking of this problem, we need to distinguish the taxes involved in real estate first. The current property tax is divided.

Taxes and holding taxes. Turnover tax mainly includes business tax, deed tax and income tax. Turnover tax is only paid when property rights change. Holding tax is mainly property tax and property tax. The property tax is only for rental property, but not yet.

Levi. At present, the focus of tax adjustment is to crack down on speculative real estate speculation, which has little impact on self-use users. In addition, even if you are listed, you can pay this tax at any time through multiple inquiries as long as you have enough patience.

It is easy to complete compensation.

Law 6 vacant houses should be rented immediately.

People often say, "I have three houses now, and two are vacant." It seems incredible at first glance, but the actual situation is really like this. Some people think that the rent collected by renting is not worth the bank interest, while others are just waiting for renovation and want to sell the house.

20 13, Mr. Li invested and bought a 90-square-meter two-bedroom apartment near Jinbin Avenue. For the sake of sale, the house has been in an undecorated state. However, the supply of second-hand houses in this area is relatively high.

A lot. The house has not been sold yet. 165438+1At the end of October, Mr. Li received a phone call from an intermediary, saying that a family was looking for a rough house as a warehouse and asked if they were willing to rent it. The rent is around 600 yuan every month.

Although the price is relatively low, Mr. Li finally decided to rent it for a while. "The heating fee for the first two years of the new house has been paid, and the property fee near 200 yuan has also been paid every month. This is the cost. And it is not necessary to rent a rough house.

Prepare household appliances and furniture to save trouble. "

Zhang Yu believes that no matter whether the rental return of the house is high or low, you should choose to rent it out immediately and never let the house be empty. Emptiness is a loss. In addition, don't choose a luxury house when renting, because it is not directly proportional to the rental price, especially when the market is weak.

Law 7 Changing rooms is not affected by Danwangcheng.

20 15, 10 since June, improved demand has gradually become an active protagonist in the market, especially in the second-hand housing market. In the industry's view, the ternary pattern of "low-end security, mid-end market and high-end control" is accelerating. However, many people who are ready to change houses are waiting to see and are afraid to make moves.

The industry believes that for those property buyers who need to change houses, there is no need to consider the off-season factors too much. Generally speaking, the demand for self-occupation will not be affected by market conditions, such as getting married and improving housing.

Room conditions, etc. In the same lot, if the residential products have fallen behind and there is a house exchange plan, selling the house and turning it into capital means more opportunities when the market expectation has not changed much.

Yes

(The above answers were published on 20 16-02-28. Please refer to the actual situation for the current purchase policy. )

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