Suggestion:
Buy a degree room in the old city
Consider the loan term.
In fact, there are many options for buying a house in Guangzhou with a down payment budget of 500,000 yuan, and how to choose a suitable property varies from person to person. Li Chao revealed that at present, "post-80s" and "post-90s" are just the main force, accounting for 60-70% of the buyers. Most of them have private cars and have a preference for the living environment. They can consider choosing a large-sized elevator building next to Zengcheng or Huadu subway, which will make it more convenient to travel after the subway is opened.
If you are a buyer who values the educational resources in the city center, you can consider the degree room in the old city. However, Li Chao reminded that because the old house is over 20 years old and the loan period is less than 20 years, the monthly supply burden will be relatively large.
For buyers who have no clear preference, the industry suggests that Panyu Bridge Block and other "sub-centers of the city" can be considered, with better educational resources and the property is not too old. It is understood that more than half of the buyers in the region are just-needed customers who want to buy a degree room. If you are closer to the city center, you can also choose the Jingxi plate in Baiyun District.
situation
Zhou Xiao holds a middle management position in a large state-owned enterprise, and his wife's total monthly income is about/kloc-0.5 million yuan. Since 10, they have saved 500,000 yuan and plan to buy a house this year. In March, Zhou Xiao took a fancy to a small two-bedroom apartment near Panyu Nanpu subway entrance, with a total price of 6.5438+0.5 million yuan. Before we started, we encountered a series of new policies in the property market. After waiting for more than a month, Zhou Xiao still couldn't resist the desire to buy a house: "Children are facing primary school immediately, and families need a relatively stable living environment." He believes that after the down payment of 500,000 yuan, the monthly payment is about 6,500 yuan, and there is little pressure to raise a house.
analyse
Meeting the needs of self-occupation is an intangible welfare.
The reporter learned that there are many ordinary families like Zhou Xiao, most of whom can afford a down payment of about 500,000 yuan, and their monthly income is between1.5,000-20,000 yuan. Li Chao, a senior analyst of second-hand houses in Guangzhou, calculated an account for us.
Strategy 1: choose to buy a house.
The 20-year value-added income is 6.5438+0.95 million yuan.
Taking Xiao Zhoujia as an example, the expenditure on buying a house includes a down payment of 500,000 yuan and a monthly payment of 6,544 yuan (calculated by commercial loan of 6,543.8+0.57 million yuan for 20 years). The total repayment in 20 years is 6.5438+0.57 million yuan, and the down payment and monthly payment cost is 2.07 million yuan.
In terms of the income from buying a house, if the appreciation of the future property is evaluated by the average annual increase of the house price, according to the statistics of Focus Data Research Center, the average price of online signing of second-hand houses in Panyu has increased from 1324 1 yuan/square meter to1square meter in the past three years (April 2065438-April 2065438+April 2007). Therefore, according to the average annual increase of the transaction price in Panyu, the total house price will reach 2.68 times, that is, 4.02 million yuan, after 20 years, then the income from house appreciation will be 4.02 million yuan MINUS the down payment and monthly payment cost of 2.07 million yuan, that is, 6.5438+0.95 million yuan.
Strategy 2: renting a house+buying wealth management products
The net income for 20 years is 2.89 million yuan.
Take Zhou Xiaojia as an example. If you choose to rent a house, you can use the existing rent level to calculate the monthly rent cost. According to the monitoring data of Focus Data Center, the average monthly rent of Panyu Erfang unit is 2750 yuan/set, and the 20-year rental cost is * * * 660,000 yuan. On the other hand, if you don't buy a house, the down payment and repayment cost saved is 2.07 million yuan, the general annualized rate of return is about 5%, the total income after 20 years of compound interest is 5.62 million yuan, and the net income after deducting the rental cost is 2.89 million yuan.
expert opinion/advice
As can be seen from the first and second strategies, the net income of renting+purchasing wealth management products is 965,438+0,000 yuan more than that of buying a house.
Li Chao, a senior analyst of second-hand housing in Guangzhou, believes that for couples whose careers are on the rise and have no children for the time being, they can consider renting a house first and let the deposits continue to grow by means of financial investment. However, for families who have the same ability to rise, but have children, there is a strong demand for long-term stable housing, which solves the problems of entering households and enrolling children in primary schools, and these are also "intangible benefits" in the long run. Therefore, it is suggested that these newly-needed property buyers can tend to choose mortgage to buy a house.
Related report
The price of building materials has risen.
Promote the survival of the fittest in waterproof industry
Guangzhou Daily
(All-media reporter Lin Lin) Over the years, water leakage in houses has been the "culprit" of property quality complaints. The building waterproof material industry has low threshold, low concentration and overcapacity, which leads to chaos in the industry, high leakage rate and the proliferation of counterfeit and shoddy products. At the 15th China Waterproof Exhibition held yesterday, experts revealed that the price increase of building materials industry this year put great pressure on the building waterproof material industry. It is expected that some small and medium-sized enterprises will face the elimination crisis, and the industry concentration is expected to accelerate.
"At least 80% of consumers' complaints about houses are focused on waterproofing. "According to the" Report on the National Building Leakage Investigation Project "released by Zero Survey, the leakage rate of building roofs in China is as high as 95.33%, the leakage rate of underground buildings is 57.5 1%, and the leakage rate of households is 37.48%.
According to Zou, Chairman of Zhuobao Technology, the existence of these problems has a lot to do with the industry threshold and extremely low concentration: "The total market share of 10 sellers before the whole industry is less than 10% of the industry."
Market differentiation or intensification this year
Although some people in the industry believe that the waterproof project cost only accounts for 1% ~ 2% in the whole home improvement project, and the owners are not too sensitive to the increase within 10%, but for enterprises, they are under great pressure of rising costs. Liang, an industrial economic observer, believes that this pressure may be reflected in the performance reports of some enterprises in the second quarter. However, he believes that in the long run, the rising cost of building materials will promote the transformation and upgrading of the industry.
Zou said that in the past year or two, it can be clearly felt that the business volume of large-scale and brand-name enterprises has risen rapidly, and the growth rate of leading enterprises is between 30% and 50%. Some insiders predict that some small and medium-sized enterprises will be eliminated by the market under the background of industry upgrading this year.
Five trends of real estate in China.
First, the real estate policy in big cities is tightening: the mortgage policy in first-and second-tier cities is tightening, because the housing prices in first-and second-tier cities have increased greatly in 20 16. These cities include Shenzhen, Shanghai, Hefei, Nanjing and Suzhou. Comparatively speaking, in some other cities, the price increase is small and the inventory is large.
2. Differentiation of real estate market: adopting different real estate policies for different cities reflects that different cities have different real estate sales. Generally speaking, housing prices in first-tier cities and second-tier cities rose greatly last year, and it is expected that the housing transaction volume in these cities will decline in 20 17. Comparatively speaking, some cities with high housing inventory are still adopting policies to support housing prices. So far, some data have come out. In 20 17 and 1 2 months, the housing transaction volume in Shenzhen decreased by 23.6% month-on-month, while the third-tier cities like Huanggang and Anqing increased by 122% and 87% respectively.
3. Slow price increase: The official determination to control house prices should not be underestimated. Since Shenzhen and Hefei introduced policies to cool house prices in June 2065 438+ 10. In 2006, these two cities 165438+ 10 and 65438+2. It is not expected that there will be a nationwide general decline in the real estate market in China, because the housing inventory in some key cities is very low. And the demand for houses in third-and fourth-tier cities is also very strong. At present, real estate developers are still in an advantageous position in market bargaining. In addition, in the past few years, the cost of land and construction in China has been rising.
4. Mergers and acquisitions among real estate enterprises have been strengthened: with the government tightening the financing of real estate enterprises through debt, real estate sales in some cities are weak, and many developers have a hard time. By the middle of 20 17 years, the liabilities of developers will drop sharply. 20 16 with the increase of housing turnover, larger developers have accumulated a lot of funds and can acquire and merge small developers. In 20 16, real estate developers spent more than $42 billion on domestic mergers and acquisitions. Based on the above factors, it is expected that the transaction volume of real estate mergers and acquisitions will continue to rise in 20 17 years.
(The above answers were published on 20 17-05-25. Please refer to the current actual purchase policy. )
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