Changzhou housing budget strategy, see how much money you need to prepare.

Changzhou is located in the south of Jiangsu, with a warm and humid climate. There are many places to play and rest, such as dinosaur park and leisure valley. In addition, Changzhou belongs to Suzhou-Wuxi-Changzhou metropolitan area. In a word, Changzhou is still a very livable city.

In the context of soaring housing prices across the country, housing prices in Changzhou are low. In the first half of the year, the house price in Changzhou dropped by 2.02% month on month, with the highest drop of 23 12 yuan/square meter. Changzhou just needs more plates, ranging from 4,000 yuan/m2 to 6,000 yuan/m2, with high quality and low price, which is also very suitable for young people to settle down here.

There is no restriction on buying a house in full for a foreign account; If you want to buy a house with a loan, you only need to meet one of the following three conditions: First, you have paid social security for one year or more; Two, housing provident fund deposit for more than 6 months; Three, pay taxes for more than one year. As long as your house in Changzhou is more than 50 square meters, it is not a big problem to settle down.

Below, Bian Xiao will share with you some skills of buying a house budget:

1, correctly estimate the disposable income of individuals and families.

Buying a house should be considered comprehensively according to demand and ability to pay, and the average monthly income of the family should be calculated before making a decision. Through careful verification, carefully calculate the net assets of individuals or families, which is spare money that can be disposed of at any time. Careful calculation can ensure that buyers accurately grasp their own strength and purchase direction. Before buying a house, please mainly keep two funds, one is the daily expenses of the family, and the other is the reserve funds for medical insurance and accident prevention.

2. Calculate all taxes and fees when buying a house.

The payment of taxes and fees accounts for a considerable proportion in the purchase of real estate, among which the most important taxes are deed tax and real estate transaction fee. Taxes and fees occupy a very important position in the process of buying and selling real estate, so it is necessary for buyers to know the types and payment methods of taxes and fees. It is suggested that property buyers should also calculate the relevant taxes and fees when calculating personal housing loans.

3. Choose the right house price and housing area.

After careful evaluation of personal assets, it is necessary to start choosing a cheap house. In fact, the formulation of housing prices has certain rules and is restricted by the market and cost. This mainly depends on the land cost, development and construction cost, profit, tax, sales and other related expenses of commercial housing. However, after choosing a house suitable for their own consumption level, buyers should focus on factors such as room area and apartment type.

Because the price of commercial housing is as high as thousands or even tens of thousands of yuan per square meter, and the size of housing area is directly related to the price of housing, therefore, every square meter should be carefully calculated. From the perspective of housing units, we should choose according to the number of family members, housing use function and financial strength. Now people generally like rooms with "four big and one small", double bathrooms and double balconies, because such rooms are more suitable for people to live in. But to choose what kind of house, we must first determine the total construction area of the house and the "occupancy rate".

4. Budget decoration and maintenance costs.

Decoration expenses should be considered together with the down payment, carefully calculated and appropriate housing maintenance funds should be considered in advance. Necessary living facilities also need some initial installation fees, such as opening pipeline gas, cable TV, broadband network and so on. In addition, the purchase of suitable furniture and electrical appliances must also be considered when decorating a new home budget.

5. Calculate your available funds.

Find out how much money you can use, whether it is enough to pay for the house and daily life. The down payment of mortgage purchase usually accounts for 20% to 30% of the house price, which is the fee that must be paid when buying a house.

(The above answers were published on 2015-10-19. Please refer to the actual situation for the current purchase policy. )

When buying a new house, go to Sohu Focus.