How to buy a house in Shanghai with a monthly family income of 1 0,000 yuan?

Hong, CEO of Personal Finance Network, believes that as a middle-income family in the city, this year is a good time to live alone. The survey found that the families with a monthly income of 654.38+100000 yuan are mainly young and middle-aged, and most of them are first-time home buyers. Such families can be divided into three specific situations: single aristocrats, newly-married families and families with children. The principle of buying a house for the first time: do what you can. Although "buying a house is not as good as renting a house" and "renting a house without losing money" have long been buzzwords, more young people still want to have their own homes. Hong pointed out that buying a house is not only about choosing a house, but also the consumption pattern and quality of life of buyers will change. A premise that buyers must make clear is that improving the quality of life is the ultimate goal of financial management. Before buying a house, you should calculate your "cash flow", including wages, bank deposits, stocks and so on. Choosing the right building according to your own economic strength can avoid the embarrassment of not being able to afford it. Buyers with a monthly household income of 1 000 yuan generally need bank loans. In terms of monthly repayment amount, banks generally require that it should not exceed 1/2 of the borrower's monthly income. It is also reported that the monthly repayment amount is less than 30% of the family's monthly income. Hong believes that the appropriate monthly repayment amount can be described as: total household income > household expenditure+monthly repayment amount. Single aristocrats: serviced apartments are the first choice for this group of people. Buying a house is transitional. When buying a house, we should not only consider the convenience of living, but also consider the future sale or lease. Therefore, real estate needs a certain amount of investment. The smaller the area, the greater the mobility of the house, and the house with small area and low total price is the purchase object of single aristocrats. Serviced apartments are the first choice for single aristocrats. Hotel-style apartments have relatively perfect internal facilities to meet the living needs of single groups. At the same time, the total price is relatively low, which is convenient for later sale; Even if it is rented, the rental return rate is higher than that of ordinary houses. Newly married families: suitable for newly married families, with gradient rooms near the inner ring, similar to single aristocrats. Hong believes that newlyweds are generally office workers and have some social activities. So when buying a house, convenient transportation is the primary consideration. Since there is not much savings, price has become a more important factor. Many families will choose small-sized properties near the outer ring. Hong believes that small huxing near the outer ring road is more risky than small huxing near the inner ring road. A room near the inner ring is more suitable for newlyweds. Hong also pointed out that families planning to have children should consider their children's education funds when buying a house. Families with children can consider real estate near the school. Among the above three types of buying families, families with children are at greater risk. Hong believes that the first two types of home buyers live in smaller areas, and the smaller the house, the higher the mobility. Because the total price is low, it is relatively easy to buy and sell. "When buying a house, don't treat the house as an investment product, but as a consumer product." Hong stressed that 2006 is a good opportunity for home occupation, and the real estate market is currently in a consolidation period. Shanghai real estate will decline steadily this year, but it is unlikely to plummet.