First, the determination of the goal of buying a house
Rational and planned consumption-the premise of buying a house. Decide your own property according to your own income, expenditure and other actual conditions. If you don't buy a house, you will buy three rooms and two halls in one step; However, from the actual situation, a good plan can actually meet the basic housing needs and avoid unnecessary extra burden, and it is very important to cultivate a gradient consumption concept.
Second, the accumulation of down payment for house purchase.
The accumulation of down payment for buying a house-the key to buying a house. Set a goal first, such as paying a down payment within five years after graduation, so in order to achieve this goal, distribute your income reasonably. Set aside a part of funds regularly every month and make a regular quota plan. Because if a compulsory savings plan with a regular quota is set up, a sum of money must be raised regularly every month, which means that the available funds must be reduced, so consumption can be more rational. Little by little accumulation is a fortune. In addition, it is suggested that you can borrow the down payment from your parents first and then pay it back later, which can shorten the accumulation time and reduce the potential price increase cost.
Third, the study of common sense of buying a house.
Learn some basic knowledge of real estate-the necessity of buying a house. Buying a house is a professional behavior, because the amount involved is huge. In some developed countries, mature and professional real estate agents can provide professional advice and services for individual buyers, and the laws, regulations and operating procedures are relatively standardized. Individual buyers have established a relatively mature model and the process is relatively easy. However, at present, the domestic real estate market has not cultivated such a professional housing agent for individual buyers. So it is necessary to learn some basic knowledge of real estate before buying a house.
Fourth, the choice of purchase scope.
Choose the real estate that suits you-buy a house according to your ability. Small area, low down payment and low total price, suitable for young people. It is suggested that you can buy a second-hand small house or a newly opened small apartment in the city center. The advantages of second-hand small huxing are convenient transportation, mature supporting facilities and relatively favorable prices; In addition, because young people's job mobility is still quite large, considering a place with suitable transportation, even if the job changes or moves, it is convenient to travel. The advantages of newly opened small huxing are more reasonable huxing, higher living comfort and relatively higher return on investment in the future.
Five, travel time cost savings
Before buying a house, you should also consider the time cost of travel. Because we can easily find that the time cost and transportation cost of crossing the city are more and more expensive. If you spend 2 hours on traffic every day, then 65438+ 10 month =60 hours =2.5 days, 1 year =730 hours =30 days, 50 years =36500 hours = 1520 days =4 years.
Office workers who drive or take buses spend an average of two hours a day on traffic, and about one month a year on the bus. If you concentrate the two hours you spend every day, take a car for a month in a row, or drive for a month without sleeping, you will realize that time is considerable. On the contrary, if you spend these hours on work or other aspects, you can create more income. If the time limit is enlarged to 50 years, the value of time cost will be amazing.
Sixth, determine the 5 km living circle.
Remind friends who want to buy a house to grasp the 5 km life circle, which is an effective parameter to measure the benefit and quality of buying a house. The smaller the cost, the more cost-effective the house you buy. In this way, after buying a house, you will pay less and less.
Seven, the understanding of the cost of buying a house
After determining the goal and scope of buying a house, some basic expenses of buying a house should be calculated in advance. Although these expenses seem small on the surface, some of them are fixed, but combined with the total price of the house in the future, their expenses are not small.
(The above answers were published on 20 15-07- 10. Please refer to the current actual purchase policy. )
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