Soft rib 1: save enough money to buy a house
This is an absolute conceptual error. In fact, it is because there is no money that you have to buy a house, otherwise the result will be that when you save enough money, it will not be enough. Many people scrimp and save enough money to buy a house every day. In fact, to a certain extent, we should master the tricks of buying a house, apply for a loan according to our own situation, and decide how much to pay down and how much to pay each month. Zhang Yu, a market researcher at Tianjin Zhongyuan Market Data Research and Analysis Center, provided a solution for buyers: there are tricks to buy a house loan to some extent. Calculate the interest of bank loans and the yield of common wealth management investments. Refer to your cash on hand and buy a house rationally.
Soft rib 2: buying a house must be in place at one time.
Once in place, it is the idea of "returning home" in the stage. Let's relax. How many families will always live in the same house so far? For example, when you are single, you can consider a small apartment with a good location and buy it in a large area outside the city after marriage; Some people consider it convenient for children to go to school and want to buy a school district. → Solution: You can only plan to buy a house for 5 to 8 years. As for what will change in five years, the plan will never catch up with the change.
Soft rib three: buy up and not buy down
It is a strange psychology to buy up and not buy down. Rising is the beginning of falling, and falling is the harbinger of rising. The property market may never have a top and bottom, and I don't know how much it will fall or rise in the future. Zhang Yu, a market researcher at Tianjin Zhongyuan Market Data Research and Analysis Center, provided a solution for buyers: Be decisive, don't buy just because everyone buys, so as not to waste hard-earned money.
Soft rib 4: buy cheap but not expensive.
Colleague Xiaolin has enough savings to buy a house. There are two options: one is to buy a house with a lower total price in the four districts around the city, and the other is to make a down payment in the city center and borrow money to buy a house with a smaller area. Finally, he chose the former and bought a house in full in the four districts around the city. However, after buying a house, I found that it was too far away from my work, so I rented the house nearby and planned to rent it, but the rent was obviously much worse than that in the urban area. Zhang Yu, a market researcher at Tianjin Zhongyuan Market Data Research and Analysis Center, provides a solution for buyers: for houses, in the long run, the price increase space in the four districts of the city will be significantly smaller than that in the city center. Thus, expensive must have expensive value. Don't be greedy for cheap.
Soft rib five: look at the future with the eyes of the present.
I think high housing prices are inflation, and I always think that they will come down one day. This is another obvious conceptual error. Many people follow panic inflation without knowing what inflation is and why. A good future now is not necessarily good. Zhang Yu, a market researcher at Tianjin Zhongyuan Market Data Research and Analysis Center, provides a solution for buyers: look at the present from a future perspective and don't buy a house that will be overdrawn for many years to come. It is important to plan the location of the house. Even if you are poor now, as long as you know its plan clearly, don't worry. Buying a house for self-occupation is an investment. If you want to invest, there must be risks. How to minimize risk and maximize value is a problem that every property buyer should calm down and think about.
(The above answers were published on 20 17-02-03. Please refer to the current actual purchase policy. )
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