It's always unpleasant to watch others gradually have a warm nest, but you are still worried that the rent will rise again. Why can't you always afford a house? Whether it is right or not, look at the following analysis (don't sit in the right place):
1, tangled and hesitant
When you have the money to pay the down payment, you will always look at the house with the eyes of picking a wife. The floor is not good, the orientation is not good, the balcony is too small, the living room is not good, and there is a bathroom with a general pattern. ...
Keep hating until you can afford the down payment, and you can't afford it.
Suggestion: Don't look at the house with a critical attitude. There is no perfect house in the world, you should know how to compromise. Especially don't bring a group of seven aunts and eight aunts to help you look at the house. At that time, everyone felt that they wanted to help you find faults. If you don't find fault, you will blame them if you regret it later. Therefore, people who usually take a large group of people to see the house can't buy a house.
2. Think in one step
I want to be in the city center, with good traffic, a degree, close to the company, with good greening, and want to buy a big house … but I am short of money. I want to save for a few more years and make up the down payment in one step. But after a few years, your down payment will not be enough.
Suggestion: If you are flexible, you can actually save the country by curve. Buy a little if you don't have much money. If you can't afford a big one, buy a small one first. Hong Kong people have summed up their experience with blood: "Let's get on the bus first". Consider changing to a good seat when you get on the bus. Unless you get on the bus, you will never catch up with it.
3. Unbalanced mind
As a result, I chose my favorite house. Half a year ago, it was 10,000 yuan cheaper than it is now. I was psychologically unbalanced and felt that I had lost. Just don't. Look at something else.
Suggestion: Missed opportunities cannot be repeated. It is meaningless to compare yesterday's price with today's price all the time, and it will continue to be unavailable in the future.
4. Job instability
I'm not sure whether I will develop in this city, but I think I may go back to my hometown or go to other cities in a few years. So the house is uncertain and hesitant. Want to buy and don't want to buy. A few years passed quickly. House prices have also risen to the sky, and I regret that I didn't decide.
Suggestion: I don't know where to work in the future, but I can afford it now. Buy it first, and I will feel at ease when I have a house in my hand. You can sell it later.
5. Like to listen to negative news
Looking at the house you like, searching online, some people say that the property is not good, some people say that it is remote, some people say that the quality of the house is not good, and some people say that there is a cemetery in the distance.
As soon as I heard this, I backed out.
Suggestion: In fact, some negative news is released by real estate competitors. Learn to identify.
6. Expect too many policies.
Looking forward to a sharp drop in house prices after the policy comes down. Enter from the bottom. What property tax, what business tax, what purchase restriction. I always feel that house prices will plummet after these policies come out.
Suggestion: The policy will not make house prices fall, but will raise the threshold for buying a house and increase the cost of buying a house. The policies in recent years show that all the policies are just to make the property market less hot, not to reduce housing prices. Land price is there. Is it possible for the house price to be cheap? )
When you buy a house, two things will happen in the future:
1 means: if you don't increase the price, save it, keep the money and preserve and increase the value! The money just moved from your left pocket to your right pocket.
The second is: the value of the property has increased, you have gained wealth, and you have exchanged small money for chicken soup.
If you don't buy a house if there is an opportunity, two things will happen in the future:
1 this number is: I didn't buy a house, and I spent all my money before I knew it, leaving nothing.
The second is: renting a house, paying for it, spending the money you have worked so hard to save, which is equivalent to paying back the mortgage to the landlord, and finally having nothing.