At the end of the year, how to "sell one and buy one"?

Those who plan to "sell a set" and then "buy a set" suggest that we should grasp the time of "buying a set" in combination with the funds on hand, and whether the funds on hand are in place depends largely on the payment method of the buyer when "selling a set".

Case 1: the buyer pays for the house in one lump sum.

Liang Yanming, a first-class analyst of Hefei Research Institute, believes that if Ms. A sells her former residence to Mr. B who adopts one-time payment, in view of the characteristics of one-time payment, Ms. A can clearly determine the approximate time point for collecting the house payment in each period, which makes it easier to control the inflow and outflow of funds. Therefore, it is suggested that Ms. A can start looking for alternative real estate after signing the sales contract for selling her former residence, so as to shorten the time difference between "selling one" and "buying one".

It should be noted that it is best for Ms. A to set the time point for each installment of house payment after receiving each installment of house payment for the sale of her old residence, so that she can have enough funds and time to cope with unplanned expenses when replacing the property, and make the replacement plan easier to carry out within the controllable range.

Case 2: The buyer buys a house by mortgage.

The situation that buyers can buy a house in one lump sum is not high at present in Guangzhou's second-hand property market, especially the first-time buyers who intend to buy small and medium-sized apartments with lower total price are just-needed buyers, most of whom are mortgage to buy a house. According to the statistics of Hefei University, in June 5438-/KLOC-0-0, about 65% of the second-hand housing market in Guangzhou was purchased by mortgage.

Liang Yanming, a first-level analyst at Hefei Research Institute, analyzed that if Ms. A sells her former residence to Ms. C who buys a house by mortgage as the owner of the property, Ms. A needs to consider Ms. C's ability to pay and the time of bank lending. If the sales contract for buying a new house is hastily signed before the house payment is paid in full, there may be the risk that Miss C who bought the old house will default or fail to collect the house payment in full according to the planned time, which will affect whether Ms A's house exchange plan can be carried out as expected.

In view of the characteristics of mortgage purchase and the current market environment, it is suggested that Ms. A can adopt a relatively safe house exchange strategy, that is, wait until all the house payment is collected before looking for a replacement house. You can also pay more attention to the market before collecting the house payment, see more houses and know more about the market, so that you can find a replacement house that meets your needs as soon as possible after collecting the house payment.

(The above answer was published on 2018-01-1.Please refer to the actual situation for the relevant housing purchase policy at present).

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