I was born in 1985, and the pressure of "buying a house" slowly formed invisibly. Fortunately, we have been paying attention to the development of the housing market since 13. Therefore, in February-August this year, two suites were decisively started, and the first step of real estate layout with wealth goals was realized.
My goal is very small, just have three houses. A school district room-for children to go to school, with an area of about 50 square meters, which can be sold as soon as the quota is used up; A comfortable big three-bedroom, this house has convenient transportation, good living environment, good humanities and harmonious neighborhood; A set of sea view rooms, used for viewing, as a point to improve the quality of life. The first two goals have been achieved, and the third goal is to wait for the right time for the housing market.
How to realize your own house purchase plan? People who always say they can't buy a house without money. Not afraid that they can't afford the mortgage, but afraid that the down payment is too high and hesitant, such people are not suitable for buying a house. Always miss the best opportunity.
When is a good time to buy a house? To sum up, first, the housing market is good and the loan policy is loose. Second, the housing market is stable, financial products are abundant, and loan (borrowing) channels are diversified.
Because I am in Xiamen, I will talk about the feeling and operation mode of paying attention to the property market from 20 13.
Housing market is closely related to government planning and regional development environment. For example, Xiamen and Quanzhou are only an hour's drive, but the price difference is 7 or 8 times. On the whole, the planning of each district in Xiamen is different. For economic reasons, "filtering" is my best choice.
In 20 13 years, the housing price in Xiamen was generally in the early10.5 million, and the relatively high-quality residential area was 30,000. Houses outside the island are about 1 10,000 in Xiang 'an area, and there are many new buildings. At that time, a new property was opened, with a 26-story high-rise house costing 9800 yuan per square meter. As a foreign hukou, the interest rate of the first suite can be discounted by 30%. The down payment is more than 300,000 yuan and the monthly payment is more than 5,000 yuan. But when I was an administrator, my salary was only 4500 yuan. My boyfriend (who later became my husband) didn't get married and didn't have a particularly strong sense of buying a house, so I put it on hold this time. Results In February of 20 16, the house we saw at that time rose by 20,000 per square meter, and in August it rose by more than 30,000 per square meter. It is precisely because of the failure of buying a house that families have a new understanding of the housing market.
20 16 65438+ 10, my wife and I went to Hangzhou for more than a month and planned to take root in Hangzhou. This means that our house in Xiamen (it was only after we got married that we learned that my wife had a house in Xiamen, 90 square meters, and there was 260 thousand left in the bank loan) needed to be rented, and then we rented a house in Hangzhou. As soon as I went to Hangzhou, I spent two weeks visiting the real estate and second-hand houses around Xiasha, and got a general understanding of the surrounding property prices. During the period of 20 15, the real estate in Xiasha basically did not increase in value, and the average house price was around 17000. Originally, I planned to sell the house in Xiamen and buy the house in Hangzhou, but my wife really could not bear to part with it. After discussion, we gave up the idea of taking root in Hangzhou and decided to go back to Xiamen. On the way back to Xiamen, we discussed in the car that in the year of 20 15, the price increase was not very large, indicating that the economic situation was not good and the real economy was shrinking. 20 15 the financial industry has performed well, which is a good time for us to change real estate. So we decided to buy a house when we came back. The problem to be solved is, in which area to buy a house? How much is the down payment and the mortgage?
On February 20th, we completed the decision to buy a house, and on February 2nd1day, I started to look at houses, and I looked at no less than 20 houses every day. Judging from the down payment, we hope that it will be around 700,000-800,000, and the tax will not exceed 6,543,800,000. At the same time, we also hope to move in as soon as possible, so our requirements for the intermediary are very clear: first, we only look at the second-hand houses with simple clothes-basically hard clothes, and the soft clothes can be adjusted by ourselves. Second, only look at the houses in Xiang 'an area, near the tunnel entrance and the company. Third, the down payment cannot exceed 800,000. In this way, the scope of houses that can be bought is basically framed.
As for the down payment, because Xiamen's consumer loan and decoration loan policies were relatively loose at that time, we could make an evaluation loan with a suite, so we tried to find a way to borrow 200,000 from relatives and friends. In one month, we paid off the balance of the first suite and made a mortgage, mortgage 1 10,000.
On February 27th, we finally took a fancy to a nice apartment with a total price of 1.20 square meters, a down payment of 740,000 yuan and a mortgage of 6,300 yuan. So the next day we signed the agreement, and then went to the bank and the property management office, which lasted 1 several months, and the house was handed over smoothly. At this time, the pressure of our consumer loans and mortgage loans is 1.2 million per month. The basic income of single salary10.5 million can pay this fee. Personally, I don't agree with the statement in some financial articles that the mortgage does not exceed 30% of income. Because your salary will go up, your currency will depreciate and house prices will go up. This year, your mortgage is 65438+100000, accounting for 50% of your expenditure, and next year, this ratio may only become 30%. Besides, you will still have a family, won't you?
Many people will say that you must look carefully and take your time when buying a house. I absolutely disagree with this. You can watch more, but you must concentrate. Buying a house or changing rooms may be just a temporary emotional excitement. You must love your house. When changing rooms, help it find a good owner. The owner of the house you want to buy has to love it before buying it. Even in the same high-priced residential area, some houses have poor feng shui, and there is no market for the same value, so it is difficult to sell them quickly.
Because the first suite is not a school district, the pressure of consumer loans also exists, so my wife and I decided to change a school district on the island, because we borrowed 654.38+0 million, even if the house is sold, there are only about 2 million left. And we are the second suite, so the down payment needs 60%. According to this ratio, only 3-4 million school districts can be bought. The unit price of mature school districts is about 60,000 per square meter. The market has been crazy for some time, so if we change houses according to the operation of the first house, the risk factor is particularly high, which is our prediction of the housing market. Therefore, we decided to operate in a safe and excessive way.
Based on this consideration, I set my goal in the school districts in the eastern, northern, Fanghu and Guanyinshan areas of Wuyuan Bay. The school district here is relatively new, and the current school district value has not been fully tapped. So after seeing more than 50 second-hand houses, we chose a house near Wuyuanwan Experimental Primary School (Xiamen Primary School). It covers an area of 45 square meters. Down payment plus tax 2 million. This house has a small pool area, high utilization rate and high floors. The same type of apartment in the same community, because there are no study places for the time being, the price is nearly 300,000. In other words, this suite itself has a premium of nearly 300,000.
It only took us two days to sell and buy a house, which avoided the devaluation of the currency in our hands, and buying school districts is a way to preserve the value of assets, especially small-sized school districts.
When we signed the contract, Xiamen's purchase restriction policy came out within a week. Therefore, it is necessary to buy a house and change rooms quickly, otherwise it will not keep up with the changes in the market and policies.
On the contrary, my point is that the purchase restriction is a good opportunity for those who are qualified to buy. Therefore, at this time, when you see the right house, you have to make a move, or three years later, you have to clap your thighs again.