Venus rents a house for life, okay? There are also big moves to save money and buy a house!

The problem of buying a house is really a headache, and repayment pressure is also a huge burden. When the post-90s generation began to shout out that buying a house was not as good as renting a house, it even quoted the media exposure some time ago that "Venus insisted on renting a house without buying a house" and would rather spend millions of commission every year to live in the presidential suite of Shanghai Jinjiang Hotel. " For example, let's see how careful Venus is: 1. Shanghai Jinjiang Hotel is located in the core area of Shanghai, with excellent facilities and services, and needs a rent of about 1 10,000 per year. If you buy a set of the same level, it will cost at least 100 million yuan. 100 million yuan is enough for her to rent 100 years, and the property ownership is only 70 years at most. 2. Staying in a hotel, decoration, water and electricity, Internet access, telephone and property security are all free of charge.

Learn from Venus? Too young and too simple! The premise is that you have to have such a high income, followed by living in a luxury hotel suite! Inflation will always be with us for a certain period of time. In addition, considering the relationship between supply and demand, excessive currency and other factors, it is very likely that the appreciation of real estate will reach expectations, and the speed of saving money really cannot keep up with the soaring housing prices.

House is the home of China people, and it is the most irreplaceable thing in life. Mastering the skills of saving money in the process of buying a house can not only help us choose products with high cost performance, but also save money and avoid taking many detours on the road to buying a house.

Deception 1: find an existing house to save money.

For friends who buy a house for the first time, try to choose an existing house or a quasi-existing house when buying a house. In addition to getting the key as soon as possible, it can also save rent in disguise and reduce the cost of living.

Deception 2: Taobao buys a house at the end of the year or during the preferential period.

For a long time, the intuitive feeling of Weifang and special rooms is "being picked to the end", but this is not the case. In fact, when the sales volume of commercial housing reaches 80%, developers have already made a profit, and many properties will launch special prices in stages, such as New Year's Day, May Day and November Day. But also from time to time to launch some affordable housing, this time is particularly cost-effective. Therefore, it generally enters the stage of project liquidation and sales. At this time, the weifang is often more affordable and cost-effective.

Trick 3: find a property with convenient transportation.

The buildings along the subway have won the love of buyers for their environmental protection and punctuality. If you buy a real estate that has already opened the subway, the price is generally higher. If you buy a building that has not yet opened the subway, you can enjoy both affordable prices and convenient transportation.

Deception 4: looking for low-priced real estate.

Although the property fee is a trivial expenditure compared with buying a house, it is a long-term and continuous expenditure. Buying a house with a lower property cost will also reduce the cost of living after moving in.

Deception 5: choose to give away a large area of real estate.

At present, many real estate projects on the market will introduce promotional offers for gift areas, and it is also common to send balcony with bay windows. However, in recent years, some projects have directly presented a large area of nearly 10 square meter, which is equivalent to an extra bedroom space for each suite and an increase in indoor activity space, which is also equivalent to a big discount on the overall unit price of the house. Before buying a house, ask if these complimentary area information has been written into the contract. If it is not included, buyers need to think carefully when selling.

Deception 6: Rational use of provident fund loans

Compared with the housing loans of commercial banks, the low interest advantage brought by provident fund to borrowers is more obvious. Especially for those who just need it, choosing all provident fund loans can avoid a lot of interest brought by commercial loans.

Cheat 7: You can choose the average capital for repaying the loan in advance.

In terms of loan interest, the average capital method is obviously superior to the equal principal and interest method, but the initial repayment pressure in the average capital is obviously higher than that in the equal principal and interest method. If you are a person with good income, or a group with diversified income, it is recommended to use the average capital repayment method. Because of this repayment method, although the capital pressure in the early stage is relatively large, it can reduce the pressure in the future, and the final repayment will be easier. If you are a buyer with a stable job, it is recommended to choose the repayment method of equal principal and interest.

(The above answers were published on 20 16-09- 14. Please refer to the actual situation for the current purchase policy. )

When buying a new house, go to Sohu Focus.