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Why is there a price-limited room in sales?
What should I pay attention to before buying a house?
1. Define the goal of buying a house: each family has different specific circumstances and different houses suitable for buying. For example, there is no need to buy a large-sized house with only a family of three. Blindly pursuing buying a large size will only bring a heavier burden to yourself and your family. But if it is a family in the IT family, you can choose a bigger house when buying a house, and consider the characteristics of the elderly and children, and choose a house with convenient travel and higher security.
2. Do a good job in buying a house budget: Although it is now possible to buy a house by loan, everyone should have a clear understanding of buying a house by loan. Buying a house with a loan is not just a down payment. Property buyers must plan ahead and understand the cost of buying a house. Many people scraped together enough down payment when buying a house, but when waiting to sign the contract, they found that they still had to pay various miscellaneous fees. Although the amount is not much, if these expenses are not prepared first, then these expenses are undoubtedly a huge sum of money for property buyers.
3. Choose the right way to buy a house: there are three main ways to buy a house by loan: provident fund loan, commercial loan and portfolio loan. Before buying a house, buyers should understand the characteristics of these three kinds of loans, and then see which kind of loans they meet, and then choose the loan method. In addition, property buyers should also pay attention when choosing the loan term. Some friends will choose a shorter loan period to reduce interest expenses. However, the consequence of this is that there are only a handful of disposable expenses every month.
The length of the loan period will affect the monthly repayment amount. Generally speaking, one-third of a family's monthly income is the comfort line of mortgage repayment. If it is higher than one third, it is likely to have a greater repayment risk and even affect the quality of life of the family.
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