The loan pressure determines the purchase funds.
Many newcomers are buying a house, and they are not sure what funds they have are suitable for buying a λ house. Community experts suggest that you first calculate the down payment and monthly repayment you can afford, and then calculate the total house price by consulting professional institutions or using loan calculators on some professional websites. In addition, it is suggested that the monthly repayment amount should not exceed 50% of the total family income. This will not affect the quality of life after marriage too much.
Increase taxes and fees and change the mentality of buying a house.
The increase in taxes and fees brought by the new real estate policy has had a certain impact on some property buyers. For those who are about to get married, if economic conditions permit, it is suggested that we can abandon the concept of step-by-step purchase and try to choose a two-bedroom or three-bedroom apartment with a larger area. Although they may feel that the space is too big or it is inconvenient to clean at this stage, they can take their parents to live together, or the family population will increase in a few years, so they can be exempted from the tax burden brought about by the upgrading of home ownership.
Location matching affects living standards.
Regarding the choice of housing location, new people can refer to the workplace and try to choose an area within half an hour's drive from both places. In terms of environmental support, in addition to supermarkets and vegetable markets necessary for life, special consideration should be given to the issue of children entering the park and going to school in the future. If you live with the elderly, there must be at least one community hospital around the community. In addition, when looking at the house, look around Zhou Xiao to see if there are any potential factors that affect the standard of living after marriage, such as noise or pollution.
It's better to rent a house and get married if the pressure is too great.
Many newlyweds who are about to get married have just worked for a few years, and their savings are not enough to pay the down payment for the wedding room. Therefore, the support from parents and relatives has become the main source of the purchase price. However, community experts said that at present, many newcomers do not accept this behavior of transferring the pressure of buying a house to their parents, and they prefer renting a house to get married. Unwilling to burden parents is just one of the reasons. Most importantly, new people want to prove that they can support a new family by renting a house and getting married independently.
As the peak season approaches, pay attention to promotional activities.
Many photo studios, travel agencies and real estate agencies have launched a series of discount promotions with the theme of marriage. Community experts suggest that new people can pay more attention to the activity information on the real estate to reduce the cost of marriage.
(The above answers were published on 2015-11-10. At present, please refer to the actual situation for the relevant purchase policy. )
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