Can't you choose the fourth floor when buying a house? 13, 14, 18? Expert: Don't listen to the sales girl's bluff.

Question: Hello, sister Fang, I want to find a suite in Guangzhou, because my social security will take six months to complete five years, but I like the house too much, and I am afraid of being seen by others. I don't know what to do now!

Answer: If any city wants to get on the bus and can't break the purchase restriction, getting married is the fastest way. There is still time in Guangzhou property market. As long as the down payment is enough, bamboo shoots can be found at any time; The down payment is not enough, and it can't be done in front of food.

Question: Hello, Sister Fang. A novice, his wife has a Beijing work residence permit, sfsd, and can make a down payment of 5 million. I want to buy a house about 100㎡ for my own use. I work in Xi 'erqi, and my daughter-in-law is in Xibahe. Did Sister Fang recommend any areas? At present, I have seen Wang Chunyuan and Qingyou Garden in Beiyuan. Which is better, Beiyuan or Wangjing?

Answer: Beiyuan's quality of life and future space are not as good as Wangjing 500 bullets. Look at the house 1000+ no problem. You need to evaluate your own running water. If you compromise between self-occupation and preservation, it is recommended to visit Du Kang, Wangjing West Garden and Ji Jing Qinyuan in Australia.

Question: Hello, Sister Fang! Huilongguan Longhua Garden, 87 square meters small apartment, 2 floors, finely decorated, worth 4.006 million. Is it worth starting with? In addition, I would like to ask, what price can I buy in the old community of Yangqiao Muxiyuan in the 1980s? Is there room for appreciation in the future? I think this house is too old. thank you

Answer: Hello, the price of 4 million yuan in Longhua Garden is definitely expensive. There is no premium in the old community of Muxiyuan. The neighborhood near the subway can be scouted for 90 years, and the unit price should be controlled within 4.5 as far as possible.

Question: Hello, Sister Fang! I have two questions: 1. After reading your previous post, I said that the average house price in Shenyang is less than 1 10,000. Can you eat them? I don't know if you know Qinhuangdao. Average price 1.08 million. Can I still buy it?

Answer: Qinhuangdao has a high IP value and a set of leading enterprises, but residential real estate is not a good investment target, and no one has taken over. Shenyang is the lowest unit price among all the second-tier capital cities, which belongs to the national depression.

Question: Hello, Sister Fang. Earlier, you said that 500 bullets could be considered as the target of 1000. How to operate? I used sfsd in Shanghai, and the loan 120 is still outstanding.

A: Do a good job in fund raising, evaluation and lending. First of all, you should understand the principle of the whole process of buying a house. The loan is subject to the evaluation price, and some areas can make it higher. Intermediaries generally don't understand this.

Question: I hope the busy sister can countersign, thank you 1. Dongli Community of Shifoying, the public house of the post-90s generation in the picture is 58 square meters, and the unit price is 5. 1. There is no elevator on the top floor, and it is east-west. So what? What is the matching of this community? What is the average price of a post-90 s public house with one room and two halls near Shifoying? Can you outperform the market in the long run? 2. the first home loan, state-owned enterprises, not counting year-end awards, etc. , the monthly fixed salary is less than 1w before tax, and the monthly payment for buying a house is more than1w. Can I get a commercial loan? If possible, do you need to make any preparations in advance? 3. Equal principal and interest or average capital, which is more cost-effective? There are many questions, please.

A: The Shifoying plate is good, with small units in the east of Shifoying as the mainstay. Compared with the whole south and north-south direction of the house, the apartment is more transparent and not far from the red scarf and Chaoyang Joy City. You can start by not being able to do jls in Beijing and increase the number of borrowers. If the credit manager agrees that there is a great possibility, you can use the red envelope long loan to choose the equal principal and interest.

Question: Hello, Miss Fang, I suddenly thought of an interesting question. Where do all the teachers in Xicheng School District live? Can new teachers afford the Xicheng school district?

Answer: Old teacher, we have already allocated the room. Most of the new teachers come from families in Beijing and have houses at home. The remaining few people rent houses nearby. All my teachers and friends in Peking University, except those in Beijing, rent houses nearby. After working for several years, I began to buy a house. Faculty members don't necessarily buy school districts, and some still have children.

Question: Miss Fang, my friend recently divorced love rat, and the man has a mistress outside. My friend's biggest headache now is the house she bought at that time, and she has gone through the divorce formalities. However, the man refused to cooperate with her to go through the formalities at the Housing Authority. Can friends handle it unilaterally? You help her.

Answer: If I can prove that I bought the house before marriage, the monthly payment of the housing loan is my repayment. Then the property belongs to you. If the spouse does not cooperate with the transfer, he can sue to the court for transfer. Making a judgment is not the best way, after all, there are always countless things to worry about when executing it. A better way is to know what you know, have confidence and not doubt that this house is yours. If you are interested in each other, you will shrink back when you know the difficulties. I will give some gifts and do everything after I change my name. If we go further, we can look at this matter from the bottom principle level: if the husband and wife fail to reach a real strategic partnership, they either don't add a name or honestly hold it, then gradually release the "shares" according to the conditions, and finally transfer the "control rights", and they will completely hand over the property to each other. Proactive, design the situation before doing things, and put an end to potential risks. Try not to wait until the problem happens before solving it.

Question: Hello, Miss Fang, let me ask you a question at work. Do you think a person is suitable for sideline business?

Answer: "Do you want to do a sideline? This question is equivalent to another question before: Do you want to put the eggs in a basket? Doing any job is an overall allocation of your personal resources. 1. Personal ability 3. Time and energy. The difference of reward-output skill tree fundamentally determines what kind of job everyone will choose. Those who study communication software will probably write code; A liberal arts student, who is likely to be an office white-collar worker; Biochemical agricultural environment and all kinds of management majors that look similar, unless they enter the corresponding positions, once they enter the workplace, it means completely refreshing and starting from scratch. Learning software, writing code, using existing resources and getting relatively high income are the most efficient choices. Do you want to choose a sideline? This question is actually the same as what I said before: "Do you want to diversify your investment? "Still that problem. In the cognition of public investment, the phrase "Don't put your eggs in one basket" has always been regarded as the standard, but this is not the case: whether to get overtime pay for writing code or find a leisure job and take on private work by yourself depends entirely on the balance between time, energy and return output. Overtime for 3 hours, monthly salary 10000+3000, work 8+3= 1 1, personal work without overtime, average 5 hours per day, but coordinated preparation 1 hour, output 5000, 8+5+1. Often I thought it would take two hours to get back the income of 2000, but it actually took three hours to get it back. Moreover, it is easy to fall into the trap of work itself by forcibly extending working hours: is the so-called sideline my short-term means of making money or my long-term career choice? You know, working 14 hours a day is close to the limit of an ordinary person. If you choose this sideline, you may never have any other time to think and study. Unless this so-called "sideline" is exactly the "main business" of your life, you will pay too much in the short term and get huge returns in the future. And do people who work 8 hours a day, work overtime for 3 hours, or just work 8 hours a day have enough energy and ammunition for their future? Calculate your unit time value, calculate how long you can do what you do and how much value you can accumulate? " When you choose one opportunity, you are also giving up all other opportunities. Is this opportunity the greatest realization of your life? When the basket is big enough, eggs should be put in one basket. The basket is too small and there are too many eggs. Sooner or later, you have to find a new basket to replace it. No matter how suitable a sideline is, it is your transitional state. I have all the eggs, not afraid of no basket.

Question: Husband and wife sfsd have a school district in Huangchenggen Primary School at home, and the second year of high school is not the only one. At present, if you want to rent and sell the school district, you can probably get a down payment of 700, and then borrow a three-bedroom apartment within 950. The question is as follows: 1. Is it a pity to sell the school district house? Is there any other way to achieve your goal without selling a house and getting a small loan? 2. Can the following communities be considered? Fengtai Fangzhuang No.6, 160, three sets in the north and south, 1050 not facing the street, 950 near the Third Ring Road, but afraid of too much noise, 140, three sets in the southeast, 960 Fengtai Dingli Waterfront Home, 165438. Report 980 Fengtai Pearl River Jing Jun South District, 170 Pingnan Beisiju, 920 Fengtai Jianbang Huafu, 160 Pingnan Beisanju, 1030 Dongcheng Zhonghai Yu Zi Mansion, 960 North-South Biju Transition.

Answer: It is no problem to sell the school district houses when they are used up. It is not recommended to look at Jianbang Huafu and Fangzhuang on the 6th for a long time. If others are expensive, it is not recommended to go to Chaoyang Shuangjing.

Question: Hello! I have no room under my retired Beijing hukou, my daughter has a suite in Beijing, and the first home loan is in other places. Now I want to invest in a school district for my grandson in Beijing, and the down payment ability is 500 yuan. At present, the child 1 year-old, intends to buy it and rent it temporarily in the future. The goal is Guangwai School District. Please give me some advice.

Answer: If you invest, the school district is not a good choice. If we start now, we have to stand guard for a long time, which is risky. It's better to invest in the east and make adjustments in a few years depending on the policy situation.

Question: Dear Sister Fang, my situation is: I have a Beijing hukou and plan to get married and buy a wedding room this year. My fiance and I have more free working hours, so we don't have to punch in, and we also have a car. You can make a down payment of 3 million, and the first house is the first loan. At present, there are several choices: the sample community of Mazhuqiao in Yizhuang, duplex or one-story courtyard; The school district houses three small rooms in Huizhong. In short, it is a struggle whether to buy a large duplex (or a small courtyard) in the suburbs or a small house in a good location in the urban area. Please show me the way. Thank you.

Answer: the first set only needs to consider the effect of hedging, and the first set in the suburbs is not good for your asset appreciation. Whether the house will sell well in the future is also a problem. Who will take over the non-quality suburbs after 10? There is no industry around to support intrinsic value, and the first set is nobody's business. We should pursue stability, accumulate enough assets in the later period, and then consider pure quality when improving the house.