How can girls buy a house of their own?

Well, I'm a girl. But buying a house has nothing to do with gender.

First of all, make clear the purpose of buying a house-investment? Self-occupation or both?

1 investment, in what city? Second-and third-tier cities, the current housing prices, is there any investment value? Can you afford housing prices in first-tier cities? Is there room for growth?

2 self-occupation, if you just need it, get married, have your own home and live in this city for a long time, you can buy it.

If you want to have both (as I did at the beginning), you need to do more homework.

How to buy:

Step 1: Analyze the market environment.

Generally speaking, I am not optimistic about the market environment of 18 and 19. State regulation, higher mortgage interest rates and tighter bank lending will all increase housing purchase expenditure. The only thing that feels a little preferential is the price limit of first-hand houses, and the price of second-hand houses can be negotiated (most second-hand house owners are reluctant to reduce prices on the surface, but some people who are eager to sell have more room for negotiation and need to contact the intermediary to understand).

If you want to preserve or even appreciate this property, then don't consider third-and fourth-tier cities. Second-tier cities can look at it. If the house price is too high, don't set foot in it.

Real estate in first-tier cities is valuable because there is a steady influx of people in this city, and this part of the population has the need to settle down (whether renting or living).

Investors who speculate in the second and third tier are speculating in short-term (1 3 years' over-value income), and it is almost certain that the state will not allow ultra-short-term income to appear in the real estate market again in recent years, so I don't recommend you to buy real estate in second and third tier cities where the population can't flow in (some cities with development potential are not excluded here, please judge for yourself).

Step 2: Look at the house.

Determine the city, determine the purchase, and start to look at the house. I don't know where your target city is, just answer according to my experience in first-tier cities.

First: location.

Because my target demand is self-occupation plus investment, if self-occupation is too remote, the cost of commuting time will increase, so I excluded the surrounding areas of the city. The real estate prices around big cities are more attractive and the environment is good, because the reserve price is low and there is room for appreciation in the future (especially if this area is well planned in the future). The disadvantage is that it is inconvenient to commute and the surrounding facilities need to be improved. If you can accept commuting cost, you can go to the areas to be developed where the subway and rail transit are about to develop and the future urban planning is perfect.

For personal reasons, I directly locked in the downtown area, regardless of the development zone.

Lot is very important, which directly determines the budget revenue. With the same budget, in the central area with mature facilities, you may only be able to afford a small apartment with two bedrooms and one living room, or even a single room. Moreover, this money is directly the surrounding three rooms or two rooms, which is enough to settle a family.

Second, there is room for appreciation.

If you are in a first-tier city, I would advise you to buy a small apartment. Good taxi, better hands.

In first-tier cities, houses with more than three rooms often cost 500W+, or even10 million yuan. This kind of family-oriented real estate is often well-equipped, including degrees, with a higher average price. Usually, the whole family repays the loan or the money is not bad, and the money is not bad.

You can choose a small apartment with two bedrooms and one living room. The advantage is that you don't have to take over (note that the first point needs to be met here: the continuous inflow of urban population). As long as there is real housing demand in this city, small apartments must be just needed. If you choose to leave, someone will take over, and the large apartment can only wait for the small apartment to change rooms.

Only products that can be sold have returns.

Step 3: Choose a house and raise money.

Put together, it is because the two influence each other. My experience is that you never know how much money you can squeeze out until you have the intention to buy a house.

I saw more than a dozen houses before and after. Lock the lot first, then ask the intermediary to inform the budget, and then start to use working nights and weekends to attract friends or see the house with the intermediary yourself.

(BTW, if you buy a second-hand house, you can tell the intermediary the down payment budget truthfully, and the budget determines their recommendation scope. )

My down payment budget, because I met a more suitable house in the process of looking at the house (the corridor is brighter, the property is more responsible, and there is more room for change in house area and apartment type), so I tried to improve it. I carefully weighed the increased financial pressure and carried it down.

So, go first, go to your scheduled place, and find a big intermediary to make an inquiry first (chain home, Zhongyuan, Leyou home, etc.). ), and while looking at the house, try to understand the specific situation with the intermediary:

Real estate information: land nature, main units, property, residential facilities, rental and sale, etc.

Peripheral facilities: transportation, supermarkets, schools, hospitals, parks, major living groups, public security, etc.

With the improvement of the information base, you will gradually understand the gap between what you want and what you actually want, and at the same time re-examine the purchase budget.

Step 4: Buy a house.

The first-hand house is mainly to meet the qualification of buying a house (shake the number), prepare materials and pay according to the process.

Second-hand housing, to the intermediary.

DIY is also acceptable, provided that you get the contact information of the landlord and the landlord is willing to accompany you.

Giving it to an intermediary can save more time to work hard and prepare for future salary increase and loan repayment.

If you don't think the agency fee is worth it, try to bargain. As long as you have a real intention to buy a house, it is entirely possible for the agency fee to reach 1% ~ 1.5% in the current market environment. Of course, you should also learn to evaluate the credibility of the intermediary yourself.