The first time
I bought a house was when I was 25 years old, ready to get married, and then I went to pick a wedding house. At that time, I was in a first-tier city, and I was also a young man who worked hard in a first-tier city.
In the next few years, I also had some experience of house trading in the second, third and fourth tier cities. So I will sum up all my personal experiences and share them with you.
I divided the sharing into three parts:
1. Calculate a clear loan account
2. How to find a suitable house
3. Why do we need an insurance
after buying a house? The first part is to analyze the demand for buying a house and settle the mortgage.
Master Sun’s Art of War there is a saying that counting much will win, and counting little will not; how much more will there be no counting. So the first step to buying a house is to calculate a clear loan account. The second is how to find a suitable house. The third step is why we need an insurance after buying a house. Many of us first enter the first part, which is the analysis of the demand for buying a house and the settlement of the mortgage. Let me give you an example, Mr. Y. Mr. Y, who is about 30 years old, recently encountered some troubles, which was originally a happy event, because he had been in love with his girlfriend for many years and was ready to enter the palace of marriage. They have been working in Shanghai for many years. Now Mr. Y has saved 300,000 yuan, his girlfriend has 200,000 yuan, and their families have subsidized 500,000 yuan. Both of them are not from Shanghai and plan to get married in 2017. Now they are facing the problem of buying a house. Mr.
Y’s monthly income is 20,000 yuan, and his girlfriend’s income is 10,000 yuan. Together, their family income is 30,000 yuan. They can save 5,000 to 15,000 yuan a month, averaging 10,000 yuan a month. His goal is to buy a house for marriage. His budget is 2 million yuan to buy a house in Shanghai. If you are familiar with the city, you may know that the budget of 2 million yuan is quite tight in Shanghai. I asked him why you chose 2 million? He said he didn’t want to put too much pressure on the monthly payment. So set 2 million in a limit, pick the house is very few, this is also one of the misunderstandings of many people to buy a house for the first time, just set a total purchase price, in fact, he can buy a house at a higher total price than expected.
So we came up with the first formula, which is called: the total house price purchased & # x3D; Your down payment + loan. In addition to the down payment, the price of the house you can buy depends on the total amount of your loan. For most people, when the down payment is certain, there are many articles about loans. So we’re going to introduce the first loan concept and tool today, which is called the loan calculator. There are five parameters for the
loan. Let’s introduce them separately. The types of
loans are divided into commercial loans and provident fund loans
. There are two repayment methods
: matching principal and interest and matching principal. Today we will first explain two basic concepts:
the type of loan and the way
of repayment. Matching principal and interest and matching principal
are the type of loan and the way of repayment. First of all, let’s look at the type of loan, in fact, many friends who buy a house for the first time do not understand the meaning of the two types of loans. Loan types are divided into commercial loans and provident fund loans, in simple words, provident fund loans refer to the payment of housing provident fund, a loan enjoyed by employees. To put it more bluntly, what he enjoys is the loan from the interest rate of the provident fund loan. The interest rate is relatively low, and the current interest rate of provident fund loans is 3.25%. Relatively speaking, loans issued by banks are called commercial loans, and the interest rate is relatively high. At present, the interest rate of commercial loans issued by commercial banks is 4.9%. The difference between the two loan rates is 1.65%. Some people say that the difference is 1.65%, but it seems that the difference is not very much.
In order to understand commercial loans and provident fund loans, let’s give a simple example. Suppose that if Mr. Y wants to buy a house with a total price of 1 million yuan, he now has a down payment of 400000 yuan, and he borrows 600000 yuan from the provident fund or commercial banks respectively, let’s calculate it. If he uses the provident fund loan, he needs to pay 3403 yuan a month. How is this calculated? It’s very simple, just choose the commercial loan by default through this APP loan calculator, choose the equal principal and interest, and input the loan amount of 600000 yuan. If you enter 20 years, the corresponding monthly repayment amount will be calculated automatically. The monthly repayment of the provident fund loan is 3403 yuan, and the monthly commercial loan is 3926 yuan, which is about 500 yuan. It doesn’t seem like much, but over 20 years, the interest on the commercial loan is 125,000 more than interest on the provident fund loan. So it looks like a simple interest difference of 1.65, but it will bring hundreds of thousands of interest differences.
So simply calculate a number, when our loan principal is more than 1 million yuan, more than 30 years, basically the interest will have to pay 200000 yuan more. Therefore, the first conclusion is that if we can enjoy the provident fund loan, if you have deposited the provident fund, you will give priority to the provident fund loan. At this time, some people may ask, if this is the case, everyone will choose provident fund loans, there is a restriction. Provident fund loan policies vary from place to place, but there is a total limit, not that I want to borrow 3 million to 3 million, this is the first one. Second, many sellers have a certain degree of acceptance of provident fund loans. I will continue to talk about it next.
This is the concept of the first loan, called commercial loans and provident fund loans. These two can be combined together, that is, one part is business and the other part is provident fund.
The second concept is called equal principal and interest and equal principal. There is only one word difference between the two terms. The definition of matching principal and interest is that the amount of monthly repayment is the same, and the amount of monthly repayment of matching principal is different. The amount of the first month’s repayment to the bank or the provident fund center is the highest, and the last month is the lowest. So just remember that the amount of equal principal and interest is the same. What is the difference between them? Let me give you an example.
Suppose that under the same interest rate, our Mr. Y’s commercial loan of 1.4 million yuan from the bank is a commercial loan. The repayment methods used here are different. Assuming that the repayment is made in the form of equal principal and interest, the monthly repayment is 7018 yuan, and it is good to remember that it is 7000 yuan. If it is the repayment method of equal principal, he will get 9033 yuan at the beginning, which is more than 2000 yuan. But in the last month after 30 years, he only needs to pay 3903 yuan a month. How should I choose? There seems to be a high repayment amount, but the total interest payment is 920,000 yuan. If he chooses equal principal and interest, he will pay 1.12 million yuan in interest. For young people who buy a house for the first time and have a small budget, the post-80s and post-90s, we directly recommend you to use the method of equal principal and interest.
Why do you say that? Although it seems that we have paid 200,000 yuan more in interest, today, with our limited budget at the beginning, the pressure of our monthly repayment is relatively small. There is a long-term assumption that the RMB is basically due to inflation, and that money will be even less valuable in the future. That is to say, if you can choose, you would rather pay less at the beginning and more later. Because we believe that through our hard work, our future income will be more and more. So if you can choose, of course, it’s better to pay 3,000 yuan a month at the beginning and 9,000 yuan a month at the end of the month. If there is no choice, of course, I choose the same monthly repayment. Like when I first bought my first house.
For example, when I was 25 years old in 2005, I was also a post-80s generation, and my salary at that time was about 3400 yuan a month. When I bought a house, the monthly repayment was 1700 yuan. Later, when I cut interest rates, I used 1500 yuan. I used almost half of my income to repay the loan. At that time, I felt it was quite difficult. But when I work for three or five years, my monthly income has been tens of thousands of yuan, my income of 10000 yuan, and then pay 1500 basically not too much pressure. So when I first started, we tried to leverage the loan as much as possible. Loan leverage means that I use a smaller monthly payment to leverage a larger loan principal. So remember that if you have a choice, we choose equal principal and interest.
Another point is what is the relationship between the equal principal and interest and the equal principal? Because the amount of matching principal is declining all the way, assuming that the loan term is 30 years, about in the 12th year, the repayment amount of matching principal is the same as that of matching principal and interest. So if you want to change a house within 12 years, you still choose the method of equal principal and interest, that is, the same amount of monthly repayment. Unless you want to buy only one house in your life, that is, to live in the first house until retirement, you need the same amount of principal. I believe this situation is too rare, as the first house in our life, most of them are transitional. After
understanding these two concepts, I will teach you a four-step method to calculate the total price of the house we buy.
1. Calculate how much
it is at present. 2. Choose a new house or an old
house. 3. Calculate the total price
of the house. 4. Calculate the amount
of the loan. The first step is to calculate how much it is at present. For example, Mr. Y currently has a deposit of 300,000 yuan, and his future spouse, the new spouse, has a deposit of 200,000 yuan, plus the money funded by his parents, totaling 1 million yuan. Immediately facing the second step, he wants to buy a new house or an old house. I asked Mr. Y, in addition to this 1 million, there is no extra money to pay taxes, or decoration. The answer he gave me was no.
So friends, if your money is fixed, you must reserve part of the total 1 million or 2 million, or the total cash to pay taxes and decoration. The biggest difference between new houses and second-hand houses is the difference in cost.
For the new house, I estimate a value, there are other taxes and fees, including the cost to the intermediary, the cost of transaction transfer. If we just say 1 million yuan in cash, we estimate about 100,000 yuan in taxes and fees. There are also some small classifications. You have heard that the taxes and fees of transactions are different under different years. For the sake of convenience, assume that the tax on the sale of this house is about 100,000 yuan. In the case of buying a new house, most of the houses we hand in in China are called blank houses, that is, without decoration, without flooring, without wall painting, about 150000 to 200000 yuan should be reserved for each house. Of course, if you go to a fourth-tier city, the decoration within 100,000 yuan is OK. Therefore, if you want to buy a new house with 1 million yuan in cash, you have to deduct 100000 yuan in taxes and fees, as well as 200000 yuan in decoration, and the down payment for buying a house is 700000 yuan.
Relatively speaking, if you are buying second-hand housing, the cost of this piece, most of the decoration costs can be saved. In addition to the same tax of 100000 yuan, in extreme cases, you can check in with a little bag, you can pick a second-hand house with better quality preservation, and then you can check in directly, almost without renovation. When I renovated my first house, I spent about seven or eight thousand yuan to paint it, paint all the wooden cabinets, and do a little in the kitchen, about seven thousand to ten thousand. Therefore, when buying a second-hand house, you will leave 900000 yuan for the down payment. Here is
a little bit about the difference between the first-hand house and the second-hand house. Yishoufang, of course, is that everyone feels better psychologically, and sometimes it is a psychological feeling. In fact, I prefer to choose second-hand houses for the first house in your life. The first reason is that you can raise the down payment. The second reason is that you can choose many styles. In fact, this is the second-hand housing, you can see a lot of different people decoration style, you can directly choose a preference with their own ideas more similar to the kind of style. So the second step just mentioned is whether you choose the new house or the old house. We prefer to choose the old house. Second-hand housing, the down payment can be about 900 thousand yuan. Down payment. That is to say, if you buy a house of 1 million yuan, you only need to pay a down payment of 300000 yuan, and the remaining 700000 yuan is paid by the bank to the seller of the house through a loan. Therefore, according to this logic, in the case of a down payment of 700,000 yuan for a new house, the total price of a new house is about 2.1 million yuan; in the case of a second-hand house, because the down payment of 900,000 yuan is multiplied by three times, you can probably support a second-hand house with a total price of 2.7 million yuan. So it seems that there is a big difference. Usually the price of the second-hand house is lower than that of the new house. At the same time, when you buy the second-hand house, the price you can pay for the second-hand house is higher than that of the new house, so you can choose more.
The fourth step is to calculate the amount of the loan. Assuming that Mr. Y has a monthly provident fund of 1500 yuan, if he buys a new house, after deducting the down payment of 700000 yuan, he has to borrow 1.4 million commercial loans from the bank. If he handles a 30-year commercial loan, he will have to pay 7018 yuan a month for the commercial loan. After deducting his provident fund of 1500 yuan, he needs to repay about 5500 yuan a month. Mr. Y is now renting a house in Shanghai. He has rented a very remote place. It costs about 3500 yuan a month. So now, in addition to paying the down payment, his monthly cost is about 2,000 yuan more than now to buy a new house. If he buys a second-hand house, he needs to borrow 1.6 million yuan from the bank. In 30 years, the monthly repayment needs 8491 yuan. After deducting the provident fund, he needs to repay about 7000 yuan a month, which is 3500 yuan more than he rents a house now. So it’s basically within a reasonable range.
Basically, Mr. Y knows that through your total cash, after deducting the cost of your future decoration, as well as taxes and fees, you can get the down payment for buying a house. Through the 30% down payment ratio, you can reverse the total price of the house, so this is a leverage relationship. First, we should balance the monthly repayment amount here, which should not exceed 50% of the total family income, and the highest is 50%. Take Mr. Y as an example, if the two of them repay the loan together in the future, the family income is 30,000 yuan, and his monthly expenditure should not exceed 15,000 yuan. But you can see the risk here. Mr. Y’s income is 20,000 yuan, and his wife’s income is 10,000 yuan. In fact, the pressure for anyone to pay back 15,000 yuan independently is still relatively large. So the safest line is no more than one third of the family’s monthly income. If Mr. Y’s monthly repayment limit is 15,000 yuan, Mr. Y can borrow up to 2.9 million yuan, plus his 900,000 down payment, the upper limit of the house price he can buy is 3.8 million yuan.
We should pay attention to the fact that this is usually the upper limit of financial leverage used by each family. That is, the amount of our monthly payment is half of our family income. At this time, the amount of our loan plus the down payment is equal to the total house price we buy back. So Mr. Y, where is a reasonable area to buy a house? It should be 2.7 million, not more than 3.8 million. So when you look for an intermediary, ask someone else to find a house for you, or find a house through APP, you can choose to set the total price of the house to less than 3.5 million. The
second loan should pay attention to the proportion of 20%. As I said just now, we have a lot of future for young people. Now we have little cash, but we believe that our future income is very high. So our best bet is to borrow more money from the future. So if the down payment of a house is 30%, it will be better. If the down payment of a house is only 20%, or even 10%, it will be better. Our country has an economic cycle and a housing price cycle every period of time. Whenever the house is depressed and the house price is low, the bank will make some promotional policies. It will be reflected in the down payment of people who buy houses will be reduced, which will allow some people who do not have much cash to buy houses. You can buy a total house price of 4.5 million. All of a sudden, we can choose a lot more range of housing values, because the higher the price you choose, the larger the range you choose.
This is the experience I got when I bought a house for the second time. At that time, I was in a second-tier city, another second-tier city in Guangdong Province. I only have about 300,000 yuan in cash, and I’ve always wanted to buy a house of 700000 or 800000 yuan. Later, according to this rule, if you multiply the down payment of 300000 by 5, you can buy a total house price of 1.5 million and a loan of 1.2 million. It should be noted that, of course, to meet the first, the amount of monthly repayment of my loan should not exceed 50% of the family income. This is the second one. We should make use of the bank’s policy to increase the proportion of loans appropriately when the economy is depressed. In fact, before October 2016, many second-tier cities across the country could provide 20% down payment.
The third is the interest rate discount of the loan. Where is the financial discount reflected? It is reflected in the interest rate. Usually, small and medium-sized banks or some foreign banks offer preferential loan interest rates. For example, now the standard interest rate is 4.9%. In our loan calculator, in fact, there is a multiple in the loan interest rate. Now it is 4.9, and there is one multiplied by one. If the bank can offer a discount of 15%, you only need to input 0.85, and it will calculate the discount of the whole interest rate.
As I said in the previous example, the interest difference is one point, 1%, and its future interest difference is hundreds of thousands. Therefore, the preferential interest rate is a policy that we should not miss. Usually, the down payment ratio is bound to the preferential interest rate of the loan. When the down payment ratio decreases, the interest rate of the loan also decreases. Therefore, it is best for us to buy a house in the slow lane of house prices. These are the three points to pay attention to.
Here is a summary. In this step, we need to calculate a clear account of buying a house. I want to distinguish two groups of loan terms, one is called commercial loans, provident fund loans, which belong to the type of loans. The second term is called the repayment method of equal principal and interest and equal principal. We recommend young people who buy a house for the first time to use the equal principal and interest repayment method, because usually within 12 years, your monthly repayment amount is less than that of the latter method. We believe that we will have the opportunity to change this house to a bigger one through the replacement of the house in the future. The second part of this summary is that we know the four-step method to calculate the total price and monthly payment of the house we can buy. It is clear about the range of houses we can live in. Finally, we have proposed three ratios, that is, the ratio of monthly repayment, the ratio of down payment, and the ratio of preferential loan interest rates. After
calculating a clear account, let’s come back to the example of Mr. Y. He has 1 million in cash, and if he buys a second-hand house, he can use 900000 to buy a house to pay the down payment. Under the 30% loan ratio, he can buy a house with a total house price of 2.7 million. If the bank happens to have a discount, he can buy a house with a total price of 3.8 million yuan in extreme cases. With this budget, we should know what to do next, and we should choose a good house. There are two ways to
choose a house. The first way is to find a real estate agent to provide some information. The second way is through some online APPs. My personal experience is that these two methods can be used together. Now the post-80s and post-90s especially like to find the corresponding information by themselves. There is a tool called the corresponding APP of various real estate agents. Some of these functions are my most commonly used, called the map to find a room. In my actual daily work, many friends also asked me, like an area in Tianjin, whether a certain area in Nanjing can be bought. I think the first thing to look at is the location. There is a saying that there are three factors in choosing a house. The first is called the location, the second is called the location, and the third is called the location. Therefore, the location of the house is a factor that can not be ignored. Looking for a house on the map is the most intuitive way to pick a house. It is a combination of starting directly from the area of the lot, and finally selecting the house from the big to the small to the lock. What is our goal? We have to pick 20 to 30 houses to see on the spot, and finally lock in three houses, focusing on the price. Because in this part of the APP page, I will talk about the process of these operations verbally. First of all, take one of the APPs as an example. At the top of our page, we can see some functions called finding a house on a map. When you open the map, take Shanghai as an example, this APP shows that there are two kinds of houses in Shanghai, Yishoufang and second-hand houses. When you choose to default to the second-hand house, you can probably see nearly 100,000 houses on the map, which is displayed in different regions. The
next step is to input more refined screening conditions. There are three screening conditions on the APP. Because Mr. Y has a total cash of 1 million yuan, the affordable house price is 2.7 million yuan with 30% down payment. In extreme cases, he can buy a house of about 3.5 million yuan. Therefore, in the choice of house price, he can choose an area with a house price of 2 million to 2.7 million. After choosing the house price, we can further increase the conditions of choice, because China is in the northern hemisphere of the earth, so the orientation of our house is at least south, southeast or southwest, facing south. I also bought a north-facing house. If there are old people in your family, the north-facing house will feel very cold, which is not good for your health. Therefore, try to choose a house facing south, usually a house facing south will be slightly more expensive than a house facing north. For example, the orientation of the house is south, southeast and southwest. Take Shanghai as an example, basically 2.7 million, you can choose less than 500,000, or 50 to 60 square meters, which is combined with the situation in various places. The age of 2.7 million houses in first-tier cities is more than 15 years. If you don’t accept it, you may not be able to screen out the conditions. After
increasing these house prices, areas and orientations, there are about 100 houses left on the map of Shanghai. We will click on the corresponding area. For example, if you choose the Pudong area, there will be about ten or twenty houses. Then you can put the house. There will probably be a few houses, you see the specific picture, and finally found that there is a set of 2.65 million, under Mr. Y’s total budget of 2.7 million. It seems that the price has been basically in line, relatively close to the subway, but also to the southeast, the area is about 66 square meters, the total price of 2.65 million. Mr. Y, it seems that this is acceptable.
When we click in again, you can see that there are 18 pictures of the house, including the layout. There are also some APPs that provide standard videos, that is, from entering the room to all its balconies, kitchens and bedrooms. When you stay indoors, you basically have a preliminary perceptual understanding of the corresponding houses in the area you choose. We will keep repeating these steps, and we will probably lock in about 20 houses. Now this kind of housing agency has the contact information of the corresponding agency under the APP, and you can make an appointment with them to see the specific time and place.
When you have chosen the house, we have to go to the next step, to see the house on the spot. There are three steps that we should pay attention to when we see the house on the spot. A lot of people ask what you should ask if you go to see the house on the spot, so a lot of glib career consultants, he said a lot of content, brain short circuit, do not know what to say to him.
We usually have to ask him three elements:
the first step is to ask the area
, the second step is to choose the area
, the third step is to look at the
house, the first step is to ask him the area, for example, you ask him to help you choose a certain area. For example, the area is divided into three elements, the first is transportation, choose the subway, about 500 meters away from the subway is the best, the farthest is not more than 1 kilometer, this is to give him a parameter. The second is whether there are kindergartens, primary schools, junior
high schools and senior high schools in the vicinity. Schools below junior high schools are the most important. Ask the intermediary directly if there is a school district and if there is a degree.
For example, take Shanghai as an example, like a river, there is a river in Pudong, Shanghai, which is actually a stream. On the east side of the stream, there is probably a degree with a primary school, and there is no degree on the west side of the stream. With this small difference in primary school degree, the price difference of a house per square meter is 10,000 yuan. So the school below junior high school is the most important. You ask the intermediary which part of the area belongs to the school district and which part does not have a degree. The third is whether there is a shopping Plaza in the regional elements, because after all, it is a place to live. It is better to have some traditional vegetable markets below 500 meters, because the traditional vegetable markets are cheaper, and there are large supermarkets. For example, most of the traditional market prices are relatively low, if you do not consider the factors of housing prices, in fact, you live all over the country, the cost of living to buy a vegetable will not differ too much. Home is 1 yuan, Shanghai may be 2.5 yuan or 3.5 yuan, which has little impact on the nature of our life. But if there is no traditional vegetable market near your home, the cost of living in large supermarkets may be high, and the price of each catty of vegetables may be 8 or 10 yuan, which is very high. The first is to set the area, I mean supporting facilities, transportation, schools and shopping, which are required in the area. After
choosing the area, we have to choose the community. If we are the first house of a self-help, it is better to take the community, and you can watch it on the spot. Which aspect does the community see? Look at two, the first is to look at the property, that is, whether the management of the community is good or not depends on two. One is whether the corridor is clean. When you go to see the house on the spot, if it is an old house, I will not choose those that are dirty as soon as you enter the corridor. There are baskets, bicycles and sundry boards everywhere. This reflects that the quality of the residents in this community or this building is relatively low. If you don’t choose this, the safety will be relatively low. If there is a community, it will be relatively better. So the first aspect of the community is to look at the property, which is manifested in the corridor and security. The second area is to look at the age of the building, preferably within 5 years, usually not more than 10 years. But then again, if you buy in the first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen, as young people, post-80s and post-90s, it is usually difficult to choose a house within 10 years for the first time. How do you choose here? I can only say that this is a transitional house. When you have a small budget, try to choose a house close to the city, rather than a little older. After all, the supporting facilities near the urban area are much better than those in the suburbs in the first step.
The third step is to look at the situation of the house, that is, to enter the house to see what specifically, this can also ask the intermediary, that is, to see the decoration inside, mainly to see the hard installation. What is a hard outfit? Including the floor, the ceiling, those that can not be removed, can not be removed, called hard. What is more diluted is the soft outfit. Do you think that sofa is very good? How much is the sofa? It costs thousands of yuan. So a good sofa is not important. Electrical appliances will always be out of date. It is not important. So heavy hard outfit, light soft outfit, see decorate first, especially wooden floor does not become warped. If you buy a second-hand house, you don’t want to move too much area, and you don’t want to start again. Because we have limited cash, it is better to buy a Yishoufang directly after dismantling and reinstalling. The cost of dismantling and reinstalling is higher than that of buying a Yishoufang. If you buy a second-hand house, you can directly pick the decoration that matches your own preferences.
Look at the second item of the house, in addition to decoration, look at the orientation. It is better to face south and have good lighting during the day. Third, if possible, communicate with the landlord as much as possible, preferably because of some good things to change the room. The first personal house I bought was because the landlord was promoted. He used to be a judge. He needed to change to a bigger house. He was anxious to sell the original house and move to a new house. This was a happy event. For example, what is a bad thing? Pay a debt, or a company. For example, there is a little trick to share with you. What if you can’t find the landlord to talk to? Do you know where the house is. Once I knocked on the neighbor opposite the house by asking for directions or borrowing things. I said I was just cleaning here, and I was interested in it. I was looking for a housekeeper. Anyway, I borrowed an excuse to knock on the door with him. I said, how was the landlord before? Did you know him well. He said he was quite familiar with him. What was the reason for him to move in before? How long did he live there? Where did his family work? Where did the landlord work? He was a good person. You remember the characteristics of the landlord. This is also a small skill. These are the three points, specifically when you go to see the house, choose the area, choose the community, look at the house, these three steps.
Besides APP, what can real estate agent provide to you? The one you are not familiar with is the loan policy. For example, what is the first set? What is the definition of the first set. For example, I am not a registered permanent residence in Shanghai. Am I the first one in Shanghai? Can you do accumulation fund? Have interest rate to float downward? Does accumulation fund have what condition? Marry and do not marry what condition is there. You must have heard why so many people get married and divorced, divorced and married. Most of the clients have been divorced more than 10 times. Why? Just to get a house. No one is more familiar with these policies than a real estate agent. If you want to ask him, ask about the loan policy. This is the first one, in addition to the housing factor, ask about the loan policy.
Another thing you can ask the real estate agent is the procedure. For example, how to do the provident fund, what materials to print, what kind of income proof to provide, what kind of personal credit information materials to provide, where to play, where to do, they all know. If you ask the real estate agent, the summary has three functions:
to help you choose the house according to your wishes. For example, we just said that we are 500 meters away from the subway. Our next step is to look at the house. There are three points to pay attention to:
1. The difference
between the first-hand house and the second-hand house. 2. The best choice is the time
to look at the house during the day. 3. Take the family to look at the house
together. The first one is the first-hand house and the second-hand house. The difference between Yishoufang, Yishoufang to buy when usually only see the model room, I see the model room quite a lot. The model house is a house that has been decorated. It is designed by a famous designer. You will inevitably feel moved after you see it. But when you hand in the building, there is only a blank room, so there will be a big discrepancy before and after you hand in the building. This is the first one. Second, when buying a Yishoufang, it is usually a relatively distant area, and its related supporting facilities and transportation are not perfect. For example, when I first arrived in Shanghai, the lady in the sales department pointed to the map and said that this place was ready for the opening of Line 16, which was ready for the opening of Line 16 many years ago, and there would be a shuttle bus. But at that time, there were less than 10 lines, at least five years later, so the corresponding supporting facilities are usually not perfect, even if you buy it, it may be quite different from your imagination. So the second-hand house is more practical, which is reflected in its supporting facilities and what you see is what you get. You can see what the house looks like now and what it looks like when you buy it. This is the first one.
The second best choice is the time to see the house during the day, one day can concentrate on the weekend time, when playing, see 5 to 10 houses, one day is no problem. Originally, I told Mr. Y that you should see 30 houses first, just like fighting monsters, and see 30
houses first. Basically see 30 sets of houses, I do not have to say, you have your own feelings.
Third, take your family to look at the house together. When you look at the house, you’d better communicate with the neighbors and the residents nearby, or have an intuitive feeling. Because the family, especially the husband and wife, will not live for at least 30 years in the future, for three or eight years, only the two of you know whether this place feels good or not, so we should go to see it together.
Summary, how to pick a good house, through three factors, called regional, residential and specific houses, is to lock in about 20 to 30 sets of houses, specific field to see. When looking at the house, we should pay attention to three main points. Today, after the real estate intermediary has the Internet, the real estate intermediary competition is also very fierce. We should make good use of the real estate intermediary, let him help you collect information, and let you fill in some points that you don’t understand at all. To mention a small experience, you should note that when your mobile phone is left to the real estate agent, your mobile phone number will be made public. Usually there is a personal experience, I use a different mobile phone number for the real estate agent, but also for a different name. Suppose my surname is Chen, Chen Liheng, and if I leave it to the real estate agent, I will be surnamed Wang. As long as I said Mr. Wang, I knew it was the real estate agent who called me. And so on, you leave Taobao above the house is another, as long as the surname is Zhang, that is Taobao calls, so this is a small skill. Separate your work phone number from the phone number you leave for all your business.
Speaking of this, there is another one, which is basically Mr. Y. This is a practical case. Recently, I have helped many friends around me to choose a good house under this guidance. The good news is that when I talk about this, Mr. Y has already locked in a house, basically paid the deposit, and is ready to transfer the ownership. I told him that when your house is ready to move in, what is the next step to do? Mr. Y said he would do one thing. Do you know what it is? He thought about it for a long time, but he couldn’t figure it out. I said to buy insurance.
Why buy insurance? I asked him a few factors, whether you had spent all your savings to buy a house this time, almost used up your salary, almost maxed out your credit card, and used up your savings. Second, there used to be 5,000 to 10,000 yuan a month to spend casually, but now there is no money. Now the loan has been repaid, and the monthly balance has been greatly reduced. Third, how do you feel now? Is the responsibility on your shoulders increased, and you have to make more money, so his pressure is also increased. What do you fear most at this time? What you fear most is that people fall down. Suppose you are tired now and need a sum of 100,000 yuan for medical expenses. Is it in the savings account? No. Do you want your parents to go out? Unthink. Borrow from relatives and friends? Can’t borrow it. Let the wife borrow it? More do not want to, more impossible. So I said, in fact, do you know that you only need 100 yuan a month to take away the worry of the medical expenses of 100,000 yuan. What is this? This is insurance.
I have been working for a long time, and there are many such examples around me, so I will not talk about them today. In fact, this incidence rate is often around me. Let me talk about my own personal experience. In my first year of work, I only had about 1500 yuan a month’s income, but I left 200 yuan a month as my insurance budget, and saved 2400 yuan a year. At that time, I could only buy about 50000 yuan of insurance. Although this amount is not high, it is the difference between having and not having. After that, as my income increased, I continued to increase my investment in insurance. Therefore, the China Insurance Regulatory Commission has said that insurance can not change our lives, but it can prevent our lives from being changed.
For young people who have just bought a house, I recommend three types of insurance that you can consider. If your budget is relatively abundant, prepare a serious illness insurance for yourself, and you have the final say. The second is for the spouse, that is, if you leave, you will pay for it. No matter what the reason is, if you leave this life, you will pay for it. This is term life insurance. For example, Mr. Y just borrowed 1.6 million yuan from the bank. His monthly repayment depends on his wife alone. His wife’s income is only 10,000 yuan. If she takes 7,000 yuan a month to repay the loan, her life will be affected. So he definitely doesn’t want his wife to repay the loan alone. So I say that you should at least pass on the risk of the 1 million loan.
To give a simple figure, take Mr. Y’s age as an example, his death compensation of about 1 million yuan is only about 1360 yuan per year. Whatever the reason, if Mr. Y leaves within 15 years, the insurance company will take 1 million yuan immediately. What can his spouse do at this time? He used the money to repay part of the bank loan. He borrowed 1.6 million yuan. After repaying the loan of 1 million yuan, the pressure of her monthly repayment was reduced from 7,000 yuan to only two or three thousand yuan. The pressure of repayment was greatly reduced. Third, considering our parents, we should be grateful. Our parents gave us their pension to make us happy. In fact, when buying a house, the most down payment is our parents. But when you think about it, the parents used both their pension and their medical reserves. So if the parents are still under 60 years old, prepare a medical insurance for the parents. Parents under the age of 60 only need 1100 yuan a year, and he may have a reimbursement of 1 million yuan for all the medical and cancer expenses in hospital, which is basically enough. Therefore, these three types of insurance can be considered. When the budget is not much, we can buy consumer insurance, about our income, increase our income in five years, and then increase some refundable insurance in the future.
First, let’s calculate the financial situation, calculate the total price of the house, determine the type of loan, and the way of repayment. We talked about two sets of concepts. Second, through some APPs, we can select houses within the budget range and add some conditions we set, such as facing south and being close to the subway. We actually go to see 20 to 30 houses, lock in three houses, and talk about the price with the landlord. After
buying a house, the third step is that our family’s risk tolerance is the weakest, and we need to transfer the risk of death and serious illness through insurance to prevent our lives from being changed. At this time, we can live in our house with peace of mind.
Therefore, financial management is to realize the goals and values of you and your family from a financial point of view, so more financial management is not only a matter of income, but also a matter of returning to the quality of our life and dreams.
Ok, that’s all for today’s experience sharing about buying a house. I wish you a smooth purchase!
People haven’t figured it out yet. The third step is to calculate the total price of the house. In most cases, if the post-80s and post-90s are your first house, in most cases, they can meet about 30% of the loan. We have three points to pay attention to. If the proportion of the down payment of the house is reduced to 20%, it is equivalent to a down payment of 900,000 yuan for our house. Big, look at the detailed lot. For example, if you see the Dongwu community, which is closer to the subway, you will click on this community, and there will be about 3 to 5 sets of less corridors to be clean. Second, there should be security guards in the community. If there is no community, there is only an open building. If there are children and the elderly, this kind of closure, these bad things. So it’s better to change rooms because of family matters.
Bankruptcy, these bad things. So it’s better to change rooms because of family matters.
Inside, with the school district, with shopping, these help you choose a house. Is to repay the loan, of course, that is necessary. In addition to repaying the loan, I asked him whether he would pay for it in case of a serious illness. The money from this loss, for example, the insured amount of 500,000 yuan, can be used to pay for medical expenses or travel. As for how to use it,
