Methodology for buying a house: Buying a house can be simpler if you act according to your ability and don’t blindly buy a house

Act within your ability and not blindly

Case: Mr. Chen, whose average monthly salary is 5,000 yuan, finally bought a house. Although the area is not large, it is enough for him as a single person. After working in Jinan for 6 years, I saved nearly 200,000 yuan for a down payment. At first, his family persuaded him to buy a small three-bedroom apartment so that he would not have to change houses when he started a family. However, due to limited funds and considering the future monthly payment pressure and cost of living, he bought a small apartment on Huayuan Road East. There are direct buses to the units around the property, and the living facilities are also relatively mature. It not only meets his current needs, but also controls the total price.

Tips: Buying a house is appropriate if you have rigid needs and are within your ability. When buying a home, you must not only consider the comfort of life and the practicality of the house, but also your own affordability. Although under the current purchase restrictions, many people advocate getting it right in one step, but getting it right in one step also depends on your own ability. It depends on the ratio of the monthly housing payment to the total monthly income before tax. Generally, the monthly payment should not exceed 25%-30% of the total monthly income. If it is higher than this ratio, buy a small house first and wait for the funds to accumulate. After reaching a certain level, then upgrading to a bigger house is also a good home ownership plan.

Methods

One step and a long-term view

Case: "Now that the policies are becoming more and more strict, there will be more pressure to buy a second house in the future. Anyway, I live on my own , simply buy a larger apartment to avoid the trouble of upgrading from a small house to a larger one in the future." Mr. Mo, who was viewing houses in the Shunxing Oriental (Forum) project, said that although only he and his wife are currently buying a house, he considers that there will be more in the future. As a child, my parents occasionally come to Jinan for a short stay, and finally decided to buy four houses in one go. In this case, this type of homebuyers often pursue buying a large house in one step.

Tips: Policy constraints have brought about changes in the home buying goals of home buyers. Considering the down payment pressure and interest rate issues of buying a second home in the future, most of these people consider simply doing it all in one step. However, you must carefully consider the first step and choose the apartment type and location that suits you based on the total price. Generally, the total house price in one step is relatively high, most of which exceed 1 million. This group of people can choose comfortable two-bedroom apartments and practical three-bedroom apartments of 120 square meters in high-end areas in the city center, or they can choose comfortable three-bedroom apartments of more than 130 square meters in emerging areas. Houses, or four- and five-bedroom apartments of 140 to 160 square meters in the suburbs, or even buildings within buildings of more than 160 square meters. The whole family gathers together to enjoy family happiness.

Method

You can also sell and buy again

Case: Mr. Fan, the home buyer, currently has two properties under his name, one of which is There is also a housing reform house in the city center and a commercial house of about 120 square meters located in the high-tech zone. "There is a popular word now called 'home ownership', which means buying a house to live in for a lifetime. The surrounding facilities and leisure and entertainment facilities are complete and the environment is beautiful." Mr. Fan said: "I plan to find a house along the tourist road. I want to buy a new house with an area of ??150-160 square meters in a large community. I have thought about converting the house into a house and selling it, so that I only have one house and I also have the funds to buy a house. "< /p>

Tips: Many home improvement buyers are restricted from buying new houses because they have two properties in their name. In this case, selling the old and buying the new can circumvent the restrictions. Jinan's purchase restriction order is determined based on the real estate currently owned by the family. If the property has been sold and is no longer in the family's name, a new home can be purchased, which will take care of some families with improvement needs. For some citizens who already have two or more homes but want to improve their living conditions, it is a better idea to sell one or even two homes to buy a new home.

Methods

If it doesn’t work in the city, go out of the city

Case: As an improvement-oriented investor, Ms. Liu has a very clear intention to buy a house, and she has a clear understanding of the area and price of the house. Consideration is more ideal. She told reporters that although after several years of accumulation of funds, she was a little loose, she still targeted the suburbs where prices were relatively low. "Even if we buy a house in the city center, we can cope with it, but the key is that it may not meet our needs for house replacement. The most important thing is that we cannot spend all the money at once. Family expenses such as children's schooling and elderly care are waiting for us." Based on the family's actual situation, they are optimistic about Tangye New District. The prices of housing in the area are basically starting with "6", the surrounding environment is also good, and the overall planning is very complete.

Tips: As a way to improve the purchase of a house, the funds on hand are slightly looser than those who just need a house, but you cannot be careless when buying a house. Before buying a house, you should make a detailed budget for yourself and look at houses in the corresponding price range based on your actual abilities. The total price and monthly payment pressure in the city center are too great, so you can look to the suburbs. Now that the urbanization process in Jinan City is accelerating, some potential areas with relatively advanced municipal planning can be selected. Act within your ability and not blindly

Case: Mr. Chen, whose average monthly salary is 5,000 yuan, finally bought a house. Although the area is not large, it is enough for him as a single person. After working in Jinan for 6 years, I saved nearly 200,000 yuan for a down payment. At first, his family persuaded him to buy a small three-bedroom apartment so that he would not have to change houses when he started a family. However, due to limited funds and considering the future monthly payment pressure and cost of living, he bought a small apartment on Huayuan Road East. There are direct buses to the units around the property, and the living facilities are also relatively mature. It not only meets his current needs, but also controls the total price.

Tips: Buying a house is appropriate if you have rigid needs and are within your ability. When buying a home, you must not only consider the comfort of life and the practicality of the house, but also your own affordability. Although under the current purchase restrictions, many people advocate getting it right in one step, but getting it right in one step also depends on your own ability. It depends on the ratio of the monthly housing payment to the total monthly income before tax. Generally, the monthly payment should not exceed 25%-30% of the total monthly income. If it is higher than this ratio, buy a small house first and wait for the funds to accumulate. When you reach a certain level, you can then upgrade to a bigger house. This is also a good home ownership plan.

Methods

One step and a long-term view

Case: "Now that the policies are becoming more and more strict, there will be more pressure to buy a second house in the future. Anyway, I live on my own , simply buy a larger apartment to avoid the trouble of upgrading from a small house to a larger one in the future." Mr. Mo, who was viewing houses in the Shunxing Oriental (Forum) project, said that although only he and his wife are currently buying a house, he considers that there will be more in the future. As a child, my parents occasionally come to Jinan for a short stay, and finally decided to buy four houses in one go. In this case, this type of homebuyers often pursue buying a large house in one step.

Tips: Policy constraints have brought about changes in the home buying goals of home buyers. Considering the down payment pressure and interest rate issues of buying a second home in the future, most of these people consider simply doing it all in one step. However, you must carefully consider the first step and choose the apartment type and location that suits you based on the total price. Generally, the total house price in one step is relatively high, most of which exceed 1 million. This group of people can choose comfortable two-bedroom apartments and practical three-bedroom apartments of 120 square meters in high-end areas in the city center, or they can choose comfortable three-bedroom apartments of more than 130 square meters in emerging areas. Houses, or four- and five-bedroom apartments in the suburbs of 140-160 square meters, or even buildings within buildings of more than 160 square meters. The whole family gathers together to enjoy family happiness.

Method

You can also sell and buy again

Case: Mr. Fan, the home buyer, currently has two properties under his name, one of which is There is also a housing reform house in the city center and a commercial house of about 120 square meters located in the high-tech zone. "There is a popular word now called 'home ownership', which means buying a house to live in for a lifetime. The surrounding facilities and leisure and entertainment facilities are complete and the environment is beautiful." Mr. Fan said: "I plan to find a house along the tourist road. I want to buy a new house with an area of ??150-160 square meters in a large community. I have thought about converting the house into a house and selling it, so that I only have one house and I also have the funds to buy a house. "< /p>

Tips: Many home improvement buyers are restricted from buying new houses because they have two properties in their name. In this case, selling the old and buying the new can circumvent the restrictions. Jinan's purchase restriction order is determined based on the real estate currently owned by the family. If the property has been sold and is no longer in the family's name, a new home can be purchased, which will take care of some families with improvement needs. For some citizens who already have two or more homes but want to improve their living conditions, it is a better idea to sell one or even two homes to buy a new home.

Methods

If it doesn’t work in the city, go out of the city

Case: As an improvement-oriented investor, Ms. Liu has a very clear intention to buy a house, and she has a clear understanding of the area and price of the house. Consideration is more ideal. She told reporters that although after several years of accumulation of funds, she was a little loose, she still targeted the suburbs where prices were relatively low. "Even if we buy a house in the city center, we can handle it, but the key is that it may not meet our needs for house replacement. The most important thing is that we cannot spend all the money at once. Family expenses such as children's schooling and elderly care are waiting for us." Based on the family's actual situation, they are optimistic about Tangye New District. The prices of housing in the area are basically starting with "6", the surrounding environment is also good, and the overall planning is very complete.

Tips: As a way to improve the purchase of a house, the funds on hand are slightly looser than those who just need a house, but you cannot be careless when buying a house. Before buying a house, you should make a detailed budget for yourself and look at houses in the corresponding price range based on your actual abilities. The total price and monthly payment pressure in the city center are too great, so you can look to the suburbs. Now that the urbanization process in Jinan City is accelerating, some potential areas with relatively advanced municipal planning can be selected.

(The above answer was published on 2017-06-12, please refer to the actual relevant current house purchase policies)

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