Haizhu Tang Yan: Two rooms, 1 hall, rose from 2000 to 2600 in two years.
Like many young people, at the peak of 14 graduation, and A Feng came to Guangzhou to look for development opportunities. For the convenience of going to work, they rented a 72-square-meter house near the Tang Yan subway station. The rent is 2000 yuan/month, which is 1000 yuan/month. For them, whose after-tax salary was only 3500 at that time, this old dormitory in Tang Yan almost accounted for their salary.
As a result, in less than a year, A Feng went to the arms of his female ticket and decisively left A Hao alone in the shared room. During this period, he ran around for 2 or 3 times, and A Hao found a roommate who is now in tune with himself. It is said that Ah Hao has been gnawing at the rent for more than a month, so now Ah Hao asks to share a room and have sex for three months, and the rent will not be refunded within three months.
This year, when I saw that the rent around me was rising, the landlord finally couldn't help but raise the price, and each person paid an extra 300 yuan/month. This is because there is something wrong with his computer at ordinary times, and the two of them repair it for free.
Lower corner of Panyu: a small room in a village of 20 square meters, a small two-bedroom apartment in 650 yuan/Xinyue Community, and the subway costs 4,000 yuan per month.
Xiao Xia rented it with the male ticket in a village in the lower corner. The apartment is 20 square meters, and it is not close to the subway. The surrounding environment is not good, but the advantage is that the price is reasonable, which is in 650 yuan/month. I want to live in a better residential garden near here, 100 square meter old house, 3000 yuan a month. Want to be near the new subway garden, it costs 4000 yuan a month!
Tianhe Liede: 69 flat 1 room 1 hall 4600 yuan/month.
As a local tyrant village, all local tyrants can rent it. Bian Xiao looked at it. This rented house is well decorated, and there is nothing to say about the environment and scenery. One month's rent is higher than Bian Xiao's salary: 4,600 yuan/month!
There are still some people who, for various reasons, "took root" and bought a house in Guangzhou not many years after graduation!
For example, A Feng, who came to Guangzhou with A Hao, left his brother for a female ticket at first and said that he would get married the next year. In order to get married, he gritted his teeth and bought a second-hand building in Liwan, Guangzhou, with a total price of 1 10,000. At first, A Feng saved money for this family. In Ahao's words, it's because a suite has become a family man. At that time, Ahao didn't like being a moonlight clan, because he had no repayment pressure. Ahao still sticks to his principle of renting a house.
Is it more cost-effective to rent a house for life like A Hao, or to bite the bullet and buy a house like Feng?
Guangzhou's rent has increased by 50% in seven years, but the repayment interest rate has dropped nine times in a row.
Now the house will only go up, not down. As an owner, it will rise in the community. Whether it is for sale or rental, the price increase will definitely be considered. According to the data, Guangzhou ranked sixth in China with 44. 19 yuan/m2/month last year, up 5.46% year-on-year, much higher than the national rent increase of 2.6% last year. And Guangzhou rent has increased by nearly 50% in 7 years! Therefore, as a broad tenant, you may have endured the same price level in these seven years, but it is getting worse, or accepted the fact that the rent is getting more and more expensive.
On the other hand, the life of house slaves is getting better and better!
20 1 1 -20 16 commercial loan interest rate
Since 20 1 1, the mortgage interest rate has been lowered for nine consecutive times, from 7.05% to 4.9%. Based on a 90㎡ house, the total price 1.5 million, and the loan 1.5 million, the monthly payment is reduced from 8 172 yuan to 687 1 yuan. On the contrary, the monthly payment is getting less and less. No matter how expensive it is, this house is all your own. Unlike renting a house, it is a bottomless pit.
Then the question is, how can buying a house be more cost-effective than renting a house?
1, location & subway is the most important.
As the first time to buy a house in Guangzhou, the first consideration is not the investment value mentioned by Shenma experts, but the inconvenient consideration. There are commercial facilities that can meet the needs of life, such as vegetable market and comprehensive market, and it is not bad to walk 15 minutes. In addition, hospitals, schools, child care facilities, etc. Banks and restaurants are also indispensable.
The most important thing is that it is convenient to travel and find a house along the rail transit. Just like the subway roof that has not been opened yet, or the second-hand house next to the subway in the old city is more cost-effective.
2, small huxing "three lows"
They are low total price, low down payment and low monthly payment! Would you rather buy a villa with nothing around, or a small two-bedroom apartment with complete facilities and convenient transportation? Although the average price of a house with a good location near the subway will be higher, considering that life is much more convenient than a house with a bad location, it is of course more practical to buy a small apartment with a good location, and if your life needs to be changed, such as getting married or changing rooms to improve the house. Although the transportation is convenient, this small apartment is easy to change hands.
3. The monthly payment is 30%~40% of the monthly income.
At the beginning of repayment, life is definitely not as good as when renting a house, so before buying a house, pick up a small notebook and write down all kinds of expenses after buying a house to avoid being caught off guard at the beginning of repayment.
Ability to calculate down payment
When calculating your down payment ability, you must add the decoration cost of the house, because you can't live in a rough house.
Calculate the monthly supply capacity
If you buy a house with a loan, the monthly supply should be controlled at about 30%~40% of the monthly income, because not only the factors of rising loan interest rate, but also the factors of decreasing income should be considered. In addition, the loan to buy a house, set aside a year of mortgage is the most secure.
Calculation of housing capacity
The cost of raising a house includes property fees, utilities and internet fees. If the house you buy is far from your work place, you should also consider the transportation cost. So your monthly supply should be controlled at about 30%~40% of your monthly income. If the monthly repayment can't meet the total loan amount you need, you can extend the loan period appropriately to avoid the excessive economic burden caused by mortgage!
4. The repayment pressure of equal principal and interest is minimum.
There are three kinds of loans: provident fund loans, commercial loans and portfolio loans. Although the interest rate of provident fund loans is low, the amount is limited. One person can apply for 600,000 yuan, and two people can apply for 654.38+00,000 yuan to buy a house. As long as you have enough repayment ability, you can apply for commercial loans; Portfolio loan means that the excess part after provident fund loan can apply for commercial loan, and it is also a loan method for buyers with large loan amount.
There are two repayment methods: average principal and equal principal and interest. To put it simply, the moonlight clan should choose matching principal and interest, and the local tyrants should move towards average capital. In terms of total repayment, the average capital is lower than the equivalent principal and interest expenditure, but the average capital will be under great pressure in the early stage.
After the repayment problem is solved, some married people will ask, what should children do when they study?
5. Nine-year tuition for local accounts is free.
(The above answers were published on 2016-11-08. Please refer to the actual situation for the current purchase policy. )
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