How do working-class people in first-tier cities manage money to buy a house? Just need a buyer at the end of the year, how to buy a house?

How do working-class people in first-tier cities manage money to buy a house? No matter how good the income of first-tier cities is, they can spend a lot of money. Under such circumstances, it is even more necessary to learn to invest and manage money. How can the working class manage their finances to save enough money to buy a house for five years? Here is a detailed introduction to the four stunts of working-class investment and financial management.

1. Investment and financial management are gradually separated from the books.

Relatively speaking, like the working class, the wage level is not very high. At this time, we should arrange our own expenses and expenses according to our own salary level. According to your actual needs, design a planning "investment and financial account book" in your daily life.

You must spend some money. Deduct the living expenses such as rent, water, electricity, car and meals that must be spent every month. For example, Ms. Hu's rent 1 1,000 yuan, car fare 1 1,000 yuan, water and electricity, 200 yuan, 500 yuan's total meals * * * 1, 800 yuan, all need to spend money.

You can spend less. As the income is not high, of all the expenses, those are likely to be spent less.

To solve the problem, we must reduce unnecessary expenses and reduce unnecessary expenses. For example, Ms. Hu's monthly surcharge, 300 yuan, clothes and trousers, 400 yuan and her 300 yuan game and entertainment expenses are neither spent nor spent, but they can be saved.

Two: mandatory self-storage

After making an account, you need to force yourself to deposit after deducting the monthly living expenses. Such as time deposits, fixed investment funds and national debt, as well as the popular p2p service platforms such as 88 Capital at this stage, have short cycle time and high returns, and the working class has certain cultural literacy, which is very feasible. You must absolutely manage your impulses, and money cannot be easily transferred.

Generally speaking, you can save 25% of this as a current deposit for a rainy day, and 75% will arrive on time, so that you can better control your irrationality in spending money. Those who can make time deposits should try to make time deposits, and those who can make lump-sum deposits and withdrawals should try to make lump-sum deposits and withdrawals, so as to get greater returns.

Three: I don't want to make high-risk investment.

For the working class, it can be said that they can afford to earn and play, so when they are not sure, they must not try to make high-risk investments, such as individual stocks.

Naturally, this does not mean giving up project investment. In fact, although the investment scope of working families is narrow, it is not without, such as fixed investment funds and national debt. This kind of investment and wealth management products and investment methods with less risk can be tried. More than 40,000 yuan of idle assets like Ms. Hu can be used to buy government bonds or invest in some bond funds.

Fourth, create a security system.

It is very important for the working class to establish a security system. For wage earners with low incomes, if there is no complete security system, once an accident or serious illness occurs, it is very easy to encounter financial crisis. Therefore, it is very important for the working class to establish and improve its own security system. Don't take chances, be sure to participate in social security. In addition, you need to have certain commercial insurance according to your actual situation. To ensure the specific content, first choose basic commercial insurance such as accident insurance, medical insurance, critical illness insurance and life insurance. If the conditions do not allow, it is stronger to include deposit medical care.

Just need a buyer at the end of the year, how to buy a house? Look at the bank's attitude towards mortgage.

Ordinary property buyers have limited grasp of the macro-economy, and it is difficult to have a precise vision of the market. However, we can grasp the sales market by looking at the attitude of banks towards loans. Generally speaking, financial institutions let go, indicating that the sales market is fancy, customers are flocking, and house prices are generally on the rise; The shortage of staff in financial institutions shows that business risks are increasing, customers muddle through, most businesses are impatient, customers are hesitant, and house prices are generally on the decline.

Buy down and don't buy up.

The core concept is generally "buy down and not buy up", which can reduce risks, although it cannot maximize profits. Generally, the rise and fall of house prices is only a number for people who buy a house and live in it. The key is how much they paid when they bought the same house. There is no doubt that the price you buy when you fall is less than the price you buy when you rise, so you should "buy down and not buy up" when you buy a house.

Buy "evaluation"

If you want to buy a house, you should be able to buy an "estimate", which is very large. For example, the municipal government planning, where to build new roads, where to build supporting farmers' markets, and new buildings nearby are all influencing factors that endanger living conditions. If all the supporting facilities are implemented before buying, the house price has already included this favorable added value, and the house price has already risen. If the overall plan is established, you can start work earlier, and it is best to buy it before the policy is clear. The natural premise is that the source of information must be accurate.

You don't have to do it all at once

Now some people have no money to buy a house because of human factors. For example, he could have used his money to buy a house of 60-70 square meters, but he insisted on a house of 20 square meters ... For example, in the absence of standards, he was eager to achieve success, and of course he had expectations for the house.

General property buyers first consider convenience and ease of use, without one step. The ideal house is a relative definition, and it is true that it is convenient and easy to use. Therefore, before buying a house, you should set up your own ideals, look around more, meet your own needs and do what you can. This is the core concept of livable and happy living.

Calculate the cost of raising a house

Property management fees are all budget expenditures that must be considered before buying a house. Relatively speaking, the application and maintenance costs of large communities are low. Modern living quarters, although all provide public facilities and services for residents, cannot be free. Service facilities such as halls and underground parking lots are all part of your expenses. The more residents there are in a community, the more the average share will be, and the relative personal expenses will be reduced. The lower the number of residents in a shipai building, the more I have to share the elevator cost. Therefore, buying a house is not a one-time consumption. When calculating the cost, the property management fee is a necessary factor for comprehensive consideration.