How much is the monthly salary for buying a house in Suzhou? Accounting family income before buying a house

Buying a house in Suzhou can be said to be a high-cost thing. For most property buyers, how to choose a house according to their actual income is a big problem. If you have a monthly salary of tens of thousands, you can naturally buy wherever you want, but most people are far from this level, so "tailoring" before buying is the key.

According to a basic principle of the current international loan purchase, it is reasonable that the monthly repayment amount accounts for 30%-40% of the monthly income, and generally should not exceed 40%. To this end, Bian Xiao provides practical suggestions for property buyers based on different monthly incomes, and perhaps you can get some experience and gains from it.

The monthly salary is 2-4 K.

The principle of buying a house: only buy the right one, not the expensive one.

Analysis of home ownership: Most of these people are young first-time home buyers. Generally, they have just graduated from university, and their working hours are not long. They need to spend a lot of money when they first enter the society. Choosing one that suits their current needs should be the basic standard. Otherwise, you may face an unbearable embarrassment. Monthly payment accounts for a large part of income, as well as property management, utilities and other expenses, which may make people breathless.

The monthly salary is 5-9k

The principle of buying a house: affordable, affordable.

Analysis of home ownership: According to the survey, most of the "houseless families" with a monthly income of 5,000-9,000 yuan are young and middle-aged people with relatively stable economic income. Because of their economic strength, with the increase of small apartments, affordable housing and second-hand houses in the property market, the development of transportation, the construction of low-priced houses in the suburbs along the bus, and the life concept of "renting a house is better than buying a house" and "changing their lives", these "no-house families" who earn 5,000-9,000 yuan a month have become "new buyers".

Monthly salary 1-3w

The principle of buying a house: improve investment demand.

Analysis of home ownership: this income family has strong controllability in buying houses, and there are many channels to buy risks. However, for these people, in the face of the high housing prices in Sioux City, they will also be "stretched" in the process of buying a house, especially at present, the real estate market is in an eventful autumn, and it is "helpless" to choose how to buy a house. Therefore, we still need to pay attention to some home ownership skills.

Of course, buying a house is not a matter for one person, but the direction of the family's joint efforts. So, how to calculate family income? Let's take a look at the five-part series for calculating household income:

First, estimate the disposable input.

Bank deposits; Realizable assets, such as cash-out stocks, funds and other wealth management products, old houses that can be listed for sale;

Short-term borrowing; Deposit the provident fund.

Second, estimate all kinds of housing costs.

When buying a house, the calculation is usually how much is a square meter of the house and the total price of the house, thinking that after paying the house price, the house can belong to itself.

In fact, in addition to buying a house, buyers have to pay a lot of fees. Although most of the expenses are small, many times buyers will be carried away by these expenses. Therefore, property buyers should be comprehensive and correct, and how much money should be prepared after the house price is lifted.

Third, estimate the household income and expenditure after buying a house.

Family income is mainly from a fixed monthly source, and the provident fund that can be withdrawn once a year is also a potential source of income; Monthly payment is not a small family expense. The amount of monthly payment depends on whether you choose commercial loans or housing provident fund loans, and the way of monthly repayment.

Buyers who intend to buy a house through bank mortgage loans need to make a rough estimate of the possible monthly payment, and must know their family's repayment ability to ensure that their monthly income can guarantee their normal living expenses except monthly payment, so as not to fall into the embarrassing situation of "not being able to pay back". It is best to deposit some surplus in the bank every month!

Fourth, estimate the total purchase price.

When most property buyers talk about buying a house, the first consideration is the unit price, while ignoring the total price. This is definitely not desirable.

According to industry estimates, it is more appropriate to control the total purchase price below 6 times the annual household income. At this price, if the down payment is 20%, the loan is for 20 years, and the monthly repayment expenditure is within the range of "no more than 50% of the family's monthly income", the remaining 50% of the income can still maintain a colorful living expenditure.

Verb (abbreviation of verb) matters needing attention

Although you can't withdraw the provident fund before buying a house, you can apply after obtaining the purchase contract or purchase agreement and purchase invoice. The provident fund with high deposit ratio and long time will be a considerable disposable investment.

Most homebuyers will use loans, and the disposable funds must at least meet the minimum down payment. There is a difference in the down payment ratio between provident fund loans and commercial loans.

Disposable investment must not be counted in full. I think as long as I can afford the down payment, I can make a decision to buy a house. In the later period, there will often be difficulties such as delaying the house collection due to insufficient funds at hand and having no money to decorate after the house collection.

Buyers who intend to buy a house through bank mortgage loans must estimate the repayment ability of their families. In addition to monthly income, they must be able to ensure normal living expenses so as not to fall into the embarrassing situation of "supporting". It is best to have some surplus in the bank every month.

Combining with the financial situation and reasonably estimating the total purchase price, it is possible not to put yourself under the pressure of mortgage for the rest of your life.

After reading these, do you have a certain understanding of your ability and housing demand? I wish you can buy a satisfactory house!

(The above answers were published on 2015-10-14. Please refer to the actual situation for the current purchase policy. )

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