Why buy a house?
As the post-80s began to laugh at themselves as "old men" and "old women", the post-90s army is steadily stepping into the just-needed wave. "Do you have a house?" Greeting each other has become the common language of many people, and the concept of buying a house to get married and buying a house for marriage has long been deeply rooted in people's hearts. But should I really buy a house? Buy this year, or wait two or three years?
Renting or buying a house is a question that has been discussed repeatedly for many years. To sum up, even if the policies and market conditions at home and abroad are different, it is always an indisputable fact that buying a house and renting a house are good. Judging from the current situation in China, whether you can afford it or whether you are willing to rent it is nothing more than one of the two, so that you and your family can understand and think clearly.
So when do you buy a house? This is undoubtedly closely related to your life needs. For example, getting married is a great motivation for many people to buy a house. Similarly, prepare to have children, children go to school, change jobs or schools, live with parents and so on. It may be an important "reason" for buying a house and improving replacement. Only when there is a clear demand can there be a clear (and accurate) goal of buying a house, especially for those who just need it. Don't blindly and rashly decide to buy a house just because "everyone else is buying", "my parents told me to buy" or "I heard that the house price will go up next year". After all, the investment value of real estate has been greatly reduced. As a financial goal based on self-occupation, variables such as "future trend of house prices" cannot be used as the main reference elements.
How to do what you can?
With a clear housing demand, the second step is to learn to do what you can, accurately calculate your real strength and the corresponding range of houses you can buy, so as to make a suitable housing plan.
Back to the question just now, when is the best time for me to buy a house? In fact, to make a more accurate judgment, a very important factor is the money's influence on what to buy, where to buy it, whether to buy it now or later. Then, first of all, we must find out how much it costs to meet our own needs. Therefore, looking for a house and looking at the house has become the main preparation work in advance. Specifically, buyers can find and compare all kinds of new houses and second-hand houses that meet their main housing needs through online understanding, intermediary consultation and field visits. In this way, what kind of house is what kind of price, what kind of price can meet their own requirements and other issues can have a preliminary concept.
Furthermore, property buyers should know their own economic strength. On the one hand, one-time upfront investment is essential; On the other hand, the follow-up recurrent expenditure and nursing also need to be considered comprehensively. How much can my family and I pay for the down payment at a time? What is the maximum loan amount (including amount, interest rate, years, etc.)? What are the daily expenses such as repayment of loans every month in the future? Is it renovated immediately after buying a house? What is the cost? These problems are closely related to money, which directly determines whether they can bear the economic pressure from the beginning to the end of the whole house purchase plan. In addition, young people should also consider their own savings, current income and daily expenses, and future income and expenses.
What should I do if I find that the goal cannot be achieved after analysis? It is an idea to lower your purchase target, and it is also an idea to wait for a more suitable time. However, both methods require the buyer to calculate the corresponding cost. For example, property buyers can rent a house for several years, and then buy a house after their monthly income and savings have a certain foundation; For example, first reduce the requirement to buy a transitional house (or rent), and then replace it when conditions permit; More complicated, you can buy a house first and then rent it, but you still rent a cheaper house, and offset part of the loan through the monthly price difference. It is not difficult to find that in these schemes, the rental cost, the transaction cost of secondary replacement, the additional cost brought by the increase of loan interest rate, possible price and policy changes need to be taken into account, so as to calculate the total expenditure before and after more accurately and make comparison and decision. In principle, if the target is achieved and the affordability is satisfied, the buyers should not hesitate too much, for fear of losing money and buying too much.
Insurance knowledge Did you buy insurance before buying a house?
Nowadays, buying insurance for yourself or your family is one of the most common expenses for families. As an important part of family financial management, insurance has been paid more and more attention, but how to insure your family? First of all, it is well known to buy insurance for the main pillar of the family, but the following important principles are often ignored when buying insurance.
One of the principles of buying insurance for your family: you must buy insurance before buying a house to protect yourself and your family!
"I want to save money to buy a house now and buy insurance after buying a house and a car." This is what many people in their thirties who don't have a house often say to insurance agents. There is also a saying like "I don't have spare money to buy insurance now". In their view, insurance is a luxury consumer goods, and there is no hurry now, or insurance is consumed by the rich.
In fact, this concept is very incorrect. Insurance is a necessity of life, and it is not needed until life is well-off or even better. Insurance is a good means to transfer risks, and risks only appear when you have a good life.
Nowadays, housing, car and insurance have become the "three big things" in our life in the new era, among which insurance is the most important. Scientific financial management. Insurance should be bought before the RV. As we all know, you can't go on the road without insurance, so why buy insurance before buying a house? Insurance experts pointed out that it is very unscientific and dangerous if there is no insurance after buying a house with a loan. I believe that many people who just bought a house have already felt the pressure. They lived a free life before buying a house, but the pressure increased sharply after buying a house. Why? A 20-year mortgage means that your work can't be interrupted in these 20 years. Once your income is interrupted by an accident or illness, your stress will be even greater. And no one can guarantee that you won't get sick or have any accidents in 20 years. If there is a serious personal accident, such as death or disability, the income will be interrupted forever. At that time, if there is no other way, the house will be taken back, and your family will be hurt at this time.
Generally speaking, you can have as much life insurance as you want to repay your mortgage. For example, if your mortgage is 300,000 yuan, then you need at least 300,000 yuan of time deposit or whole life insurance to prevent personal risks during repayment. If you can buy health insurance at the same time, it would be better to do a good job in health protection.
Further reading: Buyers grab old houses, Shanghai just needs to trade more than half, and Jin Jiu gradually rises.
Entering "Jin Jiu", the volume of commercial housing has also reached the point since July. "Just-needed market" once again shows that in the market, not only the transaction volume exceeds "half of the country", but also the top transactions are basically "cheap real estate" with little price increase compared with the previous period.
Stable prices, high sales of real estate.
"Jin Jiu" is drawing to a close, and you can clearly see the colors of the peak season. As of September 25, 8256 sets of commercial housing transactions in Shanghai property market; The average transaction price is 2455 1 yuan/square meter. It is estimated that the turnover this month is expected to exceed 6.5438+0.3 million square meters.
Lu Qilin, research director of Deyou Real Estate, said that the final turnover of Jin Jiu this year is likely to reach a high of 6,543,800+3,000 square meters, which is similar to that of Jin Jiu last year. Although the exchange of price for quantity has become a thing of the past, the price still has a significant impact on the transaction. Judging from last week's transaction list, most of the top properties are relatively stable in price. Overall, the market will still be dominated by running volume in September.
Judging from the newly listed property prices in September, the range of preferential promotion is not very large. According to the analysis of Hanyu Real Estate Market Research Department, the preferential margin of total price basically hovers between 20,000-50,000 yuan. Jiading New Town has CITIC Pacific Pedestrian Street, Nanhui Hangtou has Changtai Eastern Suburb Royal Garden (Forum), Qingpu New Town has Zhuqingya Garden, and Nanhui Zhou Kang has Qinyu Garden.
The listing volume and price of second-hand houses have risen.
At the beginning of September, the second-hand housing market was hot, and buyers actively entered the market, which led to some transactions. At the beginning of "Jin Jiu", the number of listed houses in most sectors increased, and the price was also "higher".
Putuo Wuning, Jiading Fengzhuang and Pudong Xilin rose by nearly 50% in the first half of September. For example, the new listing of Putuo Wuning plate is around 5%, and some replacement owners have become the main force of the new listing. These new houses are also the main force of price increase.
For example, at the beginning of last month, the listing price of a 90-square-meter apartment in Le Tong Community of this sector was 3.8 million yuan, and this month, the general asking price of the owners has risen to more than 4 million yuan. The person in charge of an intermediary store believes that due to the continuous price increase, more and more buyers expect the market price to rise, so they are more active in buying old houses and are in the stage of "chasing prices" (that is, because the price of new houses is too high, they buy them before the old houses rise). In fact, the price increase of old houses is still "popular". At present, it is more common in Wuning plate. A 98-square-meter house in Baiyuyuan, another residential area in this sector, was also sold from 3.6 million yuan to 3.7 million yuan, with a price increase of nearly 3%, which is still 65,438+10,000 yuan lower than the new house price. The recent upsurge of buying old houses has increased the turnover of Wuning plate by about 20%.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.