First, understand the purchase policy.
The first and most important step. Any city has its own house purchase policy, and there will be a basic regulation on the qualification, area, down payment ratio and lottery policy of house buyers. Be sure to understand clearly, so that you can make a house purchase plan according to your actual situation, in which sector, and what is the down payment ratio.
Second, skillfully use talents to buy a house at a discount.
After the looting of the National People's Congress, many cities introduced preferential policies for talents to buy houses. For example, the preferential policies for talents in Shenzhen and Hangzhou are quite attractive. I take Chengdu as an example. I have a graduate degree or above. You can enjoy a 15% discount on talent apartments if you introduce talents to settle in Chengdu or directly apply for the qualification to buy a house. It's a 70-year-old property house, not a commercial apartment. I can choose the floor and orientation of the commercial house where I can live and study. The great preferential strength of holding the qualification of talents to live and buy houses is that the same community enjoys a 15% discount on the unit price, and a 2 million house can save 300,000 yuan.
Third, a comprehensive understanding of housing prices in the purchase area, multi-channel comparison.
The buildings in the same lot have similar peripheral facilities, but the prices are different. When buying a house, you must know the advantages of each building through multiple channels and choose the building with the highest cost performance. We can also give real estate sales information that others can see clearly. Sales usually give more discounts to keep you and give them sincere prices.
Fourth, we must use provident fund loans.
The interest rate of provident fund loans is 3.25%. Even if the commercial loan interest rate is lowered now, it will be at least one percentage point lower. For the same commodity, the principal and interest of 1 10,000 are equal to 30 years, and the provident fund can save hundreds of thousands of interest. Please use the maximum amount of provident fund loan. When the amount of provident fund loans is limited, you can choose a commodity combination. First, the provident fund is fully loaded, and the rest is used for commercial loans. It can also save a lot of money.
Verb (abbreviation of verb) Choose a reasonable loan method.
There are two loan methods: equal principal and interest and average capital.
(1) Equal principal and interest
The monthly payment is the same. Part pays interest and part pays principal.
Advantages: the monthly supply pressure is small, and the monthly supply is the same in each period.
Disadvantages: most of them pay interest in the early stage and only pay a small part of the principal. The total interest is high.
(2) Average capital
The principal to be repaid every month is the same. As the principal gradually decreases, the interest will gradually decrease.
Advantages: the principal has been repaid in the early stage, and the interest decreases with the decrease of the loan principal. The total interest is low, which is suitable for early repayment.
Disadvantages: high monthly supply and high pressure in the early stage.
Combine your own capital planning and choose the appropriate loan method.