1. The house price is not as good as renting a house on the expressway.
In 2003, Mr. Chen was admitted to a university in Beijing and became a member of many North drifters. After graduating from graduate school in 2009, Mr. Chen was surprised to find that the house price in Beijing was already very high at that time, and the average house price in Chaoyang District reached about 23,800 yuan/flat, which was far from the impression he had when he first came to Beijing. At that time, Mr. Chen's plan for the future was not clear, and it was unknown whether he would go abroad or go back to his hometown to develop or take root in Beijing. At the same time, considering that he has just graduated and has no savings, buying a house at this time must rely entirely on the savings at home, so Mr. Chen has never put buying a house on the agenda. In this way, I didn't officially marry my wife until 20 1 1.
After taking root in Beijing, the husband and wife also maintained a rental life for more than two years. At that time, they didn't feel how wandering and bitter renting was. Instead, I feel that renting a house is very convenient and the rent is not high, so I can change it at any time according to the actual situation.
2. A "national five articles" fell from the sky and hit the ribs of buying a house.
It was not until 20 13 that the "Five Articles of New China" came out that the young couple decided not to wait and see and bought a house. The introduction of the "Five Articles of New China" is mainly to curb the excessive rise in housing prices. Article 2 "Resolutely curb speculative investment in house purchase" stipulates specific measures: "Departments such as taxation, housing and urban and rural construction should cooperate closely, and through historical information such as tax collection and management, house registration, etc., the personal income tax that should be levied according to regulations on the sale of self-owned houses should be calculated and levied strictly according to 20% of the transfer income." This measure has aroused great concern. The collection of individual tax on housing transactions makes many people worry that sellers will raise the price of second-hand houses. Therefore, with the gradual introduction of local detailed rules at the end of March, the second-hand housing market in various places will enter the final madness, and Mr. and Mrs. Chen have also become a member of this wave of buying houses.
Although the second-hand house is well decorated, it is sometimes shocking.
With the plan to buy a house, Mr. and Mrs. Chen quickly set the goal of buying a house: a two-bedroom apartment with an area of about 90 square meters, within the Fifth Ring Road and along Line 5. This location is not far from Mr. Chen's company in Zhongguancun, and the average house price is about 30,000/flat. The main reason why the young couple unanimously decided to choose second-hand houses is that second-hand houses are generally ready-made decoration, which saves the cost and trouble of decoration.
However, in the process of looking at the house, the two were shocked by all kinds of strange second-hand house decoration. "Either the house is empty and hardly decorated, or the house is full, and many unreasonable partitions have been made to make storage space. When I met the most wonderful house, the original apartment design was the master bedroom with a separate bathroom. However, the owner removed the wall between the master bedroom and the bathroom and changed the original bathroom into a study. However, considering that the original design may be changed back in the future, the tiles on the original bathroom floor have not been removed, and the picture presented is that there is a computer desk on the tile floor, which looks very strange. " Now recalling the process of looking at the house, Mr. Chen still finds it very interesting. At that time, Mrs. Chen coincided with the gap between changing jobs. In order to buy a house as soon as possible, she also shelved her plan to find a new job and concentrated on finding a house on weekdays. On weekends, they didn't relax and went to see the house with the real estate agent. At that time, it coincided with the sandstorm weather in Beijing, and the process of looking at the house was really hard. In this way, the process of looking at the house took more than a month.
4. The transfer link is stuck, and the procedures for buying a house should be complete.
In the end, the two took a fancy to a house far from the subway, exquisitely decorated and located in a beautiful community. The house covers an area of 94 square meters, so there is no need to make much changes in the decoration. Plus various taxes and fees, the total price is about 3.2 million. At this time, Mr. Chen has become an executive of an Internet finance company. The husband and wife have accumulated some savings after working for several years, and the family has also given some money to support them. Plus some credit loans handled by Mr. Chen, the down payment has been paid. I thought everything was ready, but I didn't expect it to get stuck in the process of house transfer.
After the contract was signed, Mr. and Mrs. Chen paid the down payment for the house purchase as promised, and applied for a provident fund loan for the remaining house payment. After the provident fund management center approved the loan, Mr. and Mrs. Chen went to the Housing Authority to handle the transfer formalities with the seller in accordance with the contract. What they didn't expect, however, was that the Housing Authority refused to handle the transfer formalities on the grounds that Mr. Chen's ID card address was inconsistent with the address in the household registration book, and the household registration book did not indicate that he was married, and Mrs. Chen's household registration was a Beijing collective account at the university. In desperation, Mr. Chen went back to his hometown in Dalian to go through the formalities of identity card and household registration again, and Mrs. Chen also moved back to her hometown where her household registration was located. It took them more than 1 month to complete all the formalities, and finally the house was transferred smoothly. At this point, the young couple successfully completed the plan to buy a house.
Now Mr. Chen has lived in the house for more than two years, and living in the house he bought still feels more practical and satisfied. Mention that the worst thing about buying a house at that time was the identity materials at the time of transfer, reminding everyone that temporary residence permits and rental certificates are also important materials when buying a house. As for the choice of second-hand housing agencies, Mr. Chen said that they chose relatively well-known real estate agencies at that time, and the housing agencies of these companies were relatively more professional, so they were more at ease in the whole transaction.
This is Mr. Chen's ordinary story of buying a house, and it is also the epitome of many North drifters who are eager to take root in Beijing. I hope his story can bring some help to you who read the story.
(The above answers were published on 20 15- 10-22. Please refer to the actual purchase policy. )
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