The 20 most sincere suggestions for buying a house at the moment, save them after reading them

Your first house

1. Macroeconomics is like weather forecast, it can be used as a reference, but it is not a decisive factor. Instead of hesitating whether to buy it, it is better to think about the practical issues of when to buy it, where to buy it and how to buy it since it will be bought sooner or later. This is a substantial transformation from being impractical to learning to think. Congratulations, you have grown up.

2. When you have a plan to buy a house, you will no longer just save money, but learn to save money willingly, and even start comparing prices when shopping in the supermarket. This kind of house buying brings not only pressure, but also a sense of satisfaction that you have gradually achieved a long-term goal. This is completely different from the pleasure of scrolling through Douyin, playing Honor of Kings, or shopping for clothes. You learn to plan your future life with plans and goals.

3. The first lesson you need to learn when buying a house is to compromise. Because of limited funds, you cannot buy a new house in a good location, good quality, or new age. Most of the houses that meet your requirements are in the outer suburbs. So please adjust your mentality, don't doubt or even deny your own life value, and don't complain about social injustice. Get an objective idea of ??what kind of house you can buy. No matter how much money you have, you can accomplish great things without being pretentious or discouraged.

4. Your first house does not necessarily need to be a new house, because the budget is limited. Choosing a new house means that the house will be far away. Since buying a house is to meet your living needs, the most basic thing is to be close to where you work and to the subway. Although the area is small and the house is old, after all, you have a home. You have your own place to shelter from the wind and rain, and you don’t have to worry about being pressed for rent by the landlord.

5. The turnover rate of the house is a very important factor. Especially when it comes to replacement, you will know the correctness of buying an old and shabby one in the urban area. Because the area is small, the total price is low, and the financial threshold for buyers is not high; because it is close to the subway, the house will be relatively popular, and once the house is sold, the cycle will be relatively fast. If you are not in a hurry, you can rent out the house first and the rent will be considerable. For those in the outer suburbs, such as Xili Chunfeng, Tixiang County, etc., there is a high probability that they will be defeated.

6. For the urgent need to buy a house in Beijing, which often costs millions as a down payment, don’t wait until a year or two to collect enough just because you lack 300,000. As long as your job is stable enough and you have the ability to repay, you can find a way to get it together through a credit card or a loan. It's really not that difficult. Because the property market is bullish and bearish, there are really not many opportunities for relative lows like the end of 2017, the end of 2018, and the current one.

7. Is it really shameful to have six wallets? Not necessarily. If you have saved a sum of money to buy a house, and you still have a small amount left, your elders are absolutely willing to lend you their wallet to buy a house.

Compared with your parents being deceived into investing in most unreliable financial products, you can treat it as if you borrowed the money from your parents and pay them back with interest on time. In the next 10 to 20 years, the value of the house will definitely increase. The increase may not be much, but it is still stable. From this perspective, the down payment from six wallets is a relatively stable financial management method for the whole family.

8. Credit investigation is very, very important. It will affect your mortgage limit. You must pay attention to it, do not pay off your credit card overdue, and try not to use credit-reported online loan products. In addition, calculate the amount of loan you want and make sure your salary is twice the monthly payment. If your salary is not enough, remember to raise your salary six months to a year in advance.

Your second home, about replacement

The first home is a compromise, the main consideration is the turnover rate, when you have a certain financial strength and a large family After you have a new member, you will have to consider many aspects when replacing the house, which will also test your ability to read and run the market.

9. At this time, most families have children, and it is very important for children to have a stable growth environment. Therefore, the composition of the owners of the community is one of the factors you need to consider most. If more owners live there, the atmosphere in the community will be more stable. Facts have proved that friends with similar family backgrounds are more suitable for playing together.

10. If you still have a limited budget, don’t run blindly. List several key demands of your request. For example, it is best for your child’s nine-year education to be in the same area to facilitate transportation to and from school. There should be a large business district and subway nearby. It should not be too far from your workplace. There should be a tertiary hospital nearby for the convenience of the elderly. Seek medical treatment promptly when you are sick, etc.

Sort from strong to weak according to demand, select about 10-15 communities on an APP, and then focus on a period of time to watch the market intensively.

Try the elimination method, it is very effective.

11. Why do we need to read the market intensively in a surprise manner? Because of the quality of the community and real estate, if you look at them at the same time, the contrast will be very strong and the impression will be very deep. If you look at enough listings, you will know the apartment type, orientation, properties, parking spaces, etc. of the community.

Although you are not yet sure which community you will eventually buy at this time, after a long period of looking at the market and by eliminating the strongest to weakest appeals, you have already targeted 3-5 communities.

What is even more surprising is that when a house with a relatively high price is suddenly released on the market, you will make a decision faster and it is easier to lock in the house earlier than others.

12. Housing prices are a relatively complex system. The prices for different building floors and unit types are different.

Especially in Beijing, prices in different communities in the same area may differ by half. This is why house inspections are intensive.

Only when you have a detailed understanding of the actual transaction prices of different houses, can you know what kind of price is real, and what kind of price looks cheap but is due to facing the street, low floor, or other reasons. Invisible uncertainties lead to low selling prices.

13. For buyers who are not familiar with the property, there is no need to be too greedy for cheap prices. In the same community, one unit price is 70,000/square meter and the other unit price is 75,000/square meter. So is it more cost-effective to buy a cheaper house? Not necessarily.

If the floor is low, you can consider it. If the apartment type is worse, you can also consider it. But with low floors + poor floor plan + street frontage + close distance between buildings, etc., it would be a real loss to buy it.

14. Beijing is a market where sellers are very strong. All taxes and fees during the transaction of the house are paid by the buyer. Therefore, how to collect taxes on second-hand houses is a knowledge point that you must understand. If you buy a house in a daze, you will probably have to pay hundreds of thousands more in tuition fees afterwards.

For example, if the house is five years old and is the only house of the family selling the house, then this is the most understandable situation. If it is less than five years old, you will have to pay a tax. Beijing’s personal income tax is the most severe. In other cities, it may be 1% of the full price of the house price, but in Beijing you have to pay (online signed price - original value) * 20%. The 20% price difference is really making people vomit blood.

So when you see a very high-quality house with a particularly low price, it may not necessarily be a bamboo shoot. Please check first to see if the house is unique.

15. In addition, a score of five is not necessarily better than a score of two. The personal income tax for a person who is not unique in the fifth year or above may be much higher than that of a person who is not unique in the second year. Because houses were lower five years ago than they were two years ago, the difference in house prices is greater, and the individual taxes paid are also higher.

16. Is it true that if the number exceeds five and is not unique, you must not buy it? If the number is less than two, you must not buy it? In fact, not necessarily. For example, if you buy a small house with a low total price in full, the online signing price may be very low, and the personal tax will be very small (ahem, I'm sorry, don't tell anyone).

For another example, in order to sell the house as soon as possible, the owner of a house that is less than 2 years old offers a very low price, plus all taxes and fees, which is lower than the market price. That can also be considered, but for the down payment The requirements are very high.

Because there is great flexibility in down payments and loans, there are no absolutes for specific problems.

Selection of real estate consultants and second-hand housing agents

Property consultants specifically refer to new houses. Second-hand housing agency refers to second-hand housing. There are many differences between new homes and second-hand homes.

In the process of buying a house, the commissions of real estate consultants and intermediaries are very high. But the entry threshold is very low and the professional requirements are very high. This is a profession with a very low floor and a high ceiling.

So, if you choose a good salesperson, he will be a powerful assistant on your road to buying a house. If you choose a salesperson with inexperience and a bad attitude, he will be a pig teammate, and it is very likely that he will bring you great success. A big loss.

17. Many top sellers do not have the main goal of attracting customers. An excellent real estate consultant will accurately display the selling points of the property and tell you the logical points for purchasing this property. Many top sellers do not have the main goal of recruiting customers. They will even tell you frankly about the disadvantages of the project.

If a salesperson only touts the benefits of the real estate, he is not worthy of trust. However, he showed all the advantages and disadvantages of the real estate, so that the customers had full right to know, which in turn strengthened the customers' determination to buy.

If the real estate consultant can't even explain the location map and sand table well, or it feels like he's memorizing a draft, just pass it. Such a real estate consultant will most likely not be interested in your appeal.

18. No matter how popular the real estate market is, no matter how many people queue up, an excellent real estate consultant will not neglect any customer. Because the larger the base of intended customers is, the more cards will be queued, and the greater the probability of a transaction.

Many so-called experienced people will tell you that the reason why real estate consultants don't like to talk to you is because the properties are selling well, and the reason why real estate consultants treat you well is because the properties are not selling well. These words are not absolute, and may even be wrong with a high probability.

19. Don’t waste time on inexperienced young agents. Second-hand housing is a market that requires deep knowledge of the area and understanding of housing resources. It is best to find an experienced agent or store manager.

Excellent second-hand housing agents give me the impression that they all show their talents. To determine whether an intermediary is reliable, first check whether he is familiar enough with the community.

Find the community you are looking for and find relevant information online in advance. Directly ask the agent in the form of chat about the price of the community, recent transaction price, housing availability, number of buildings in the community, unit type, etc. If the agent doesn't know after asking three questions, just pass.

An excellent agent will help you recommend suitable properties based on your needs. Ordinary agents will only recommend to you the properties they want to promote recently, without caring about what the owners want to buy.

An excellent intermediary will know the owners in the community and get a lot of information from the square dance aunts, helping you judge whether the landlord is reliable and even infer how much the price of the house can be negotiated. The average agent doesn’t even know the landlord’s reasons for selling the house.

Excellent intermediaries are familiar with the operating procedures of second-hand houses and will often help you a lot with down payment and loan techniques.

You can even avoid paying some taxes and fees, increase the loan limit, increase the budget for buying a house, etc. (these involve gray knowledge points). This is their strongest competitiveness. A bad intermediary will only ask you for your down payment budget, without considering taxes or loan methods, and just PASS.

20. Whether you are a real estate consultant or a second-hand housing agent, it is important to be defensive at the beginning, but when you choose a reliable comrade, you will be the same interested party, and the purpose is the same. In order to successfully conclude the transaction. At the critical moment, you must find a way to get the other party to fulfill your demands.

For example, if the supply of new houses is not good enough and you want to choose high-quality housing, then once someone regrets giving up a good house, the real estate consultant will definitely help you fight for it and lock in the housing first.

Another example is second-hand housing. The intermediary must be facing you. Because you pay the commission, you must trust your agent when it comes to price negotiations. He will try to get the maximum space for you. The premise is that your request must be strong.

As far as I know, there are many examples of buyers skipping the intermediary, rashly bargaining with sellers, and ultimately the negotiations collapsed.