One of the "dead holes": buy up and not buy down.
The housing market will never have a top and bottom, and no one knows how much it will fall and how much it will rise in the future. Rising is the beginning of falling, and falling is the harbinger of rising.
Solution: When people around you are buying houses in the market, don't join in the fun. Because there is a price to pay for joining in the fun. When others panic, they must be greedy, buy when they fall, and sell when they rise. Only in this way will we not waste our hard-earned money in vain.
The second "dead hole": blindly entering the market without studying national policies.
People who experienced the crazy ups and downs of the real estate market in 2007 should not forget that if the government does not take action, the real estate price will be very high. In 2009, when the national encouragement policy was introduced, we should realize that it is inevitable that the real estate price will start to rise. This shows that the real estate price is completely under the control of the government.
Solution: Buy when the policy encourages relaxation, and pay close attention when the policy control begins to tighten. Because these national policies are directly related to the market reaction.
The third "dead hole": save enough money to buy.
This is a wrong idea. In fact, it is because there is no money that you have to buy a house, otherwise the result will be that when you save enough money, it will not be enough. Many ordinary people are saving enough money to buy a house every day, and some are even stupid enough to pay the full amount. In fact, to a certain extent, we must master the trick of buying a house. The lower the down payment, the better, and the longer the monthly payment.
The opportunity for ordinary people to "set" state loans is mortgage, and the interest on the second home purchase is so favorable. Of course, we should also have enough cash in hand to invest.
Solution: Spend as little money as possible to buy a house. Even if you have enough cash on hand. If you have 500,000 cash, don't use 500,000 to buy a 500,000 house. At most, only 654.38+ 10,000 yuan is enough. You must vote for the remaining 400 thousand. If you can't even earn interest on a bank mortgage for one year, it can only show that you don't even have basic financial management ability. Whether investing in the stock market or other things, the annual return of 400,000 earns 30,000 to 50,000, which is much higher than the interest of bank loans.
The fourth "dead hole": passive real estate speculation
After seeing how much the house has gone up, many ordinary people feel that they have worked hard for many years. It is better to fry a suite and earn more money, so they can't help but join the team of real estate speculators. I don't know that real estate speculation is a very professional job, and I was accidentally quilted. Because the procedures for realizing the house are complicated, taxes and fees are numerous, and the cycle is long, it is difficult to get rid of it when you encounter adjustment or inaccurate vision. In the end, we can only passively "real estate speculation into landlords". Spending money, wasting time, affecting work, and being exhausted afterwards is not worth the candle.
Solve acupoints: never have the psychology of short-selling speculation. Have a long-term investment mentality. If you want to participate in real estate investment, you can choose to join the real estate financing club, so that professionals can help you make money and the return is relatively stable. If you want to do it yourself, you must do research in many ways, do your homework, and have a plan for your own funds for at least two years, that is to say, you will not worry about the problem of insufficient supply within two years.
The fifth "dead hole": superstitious experts and scholars
Now so-called experts and scholars are flying all over the sky, and experts in various fields are "studying" real estate. But every so-called expert must have his roots behind all his remarks. As long as we take a closer look at the environment where these experts live, we will know who he is speaking for.
Solution: Ordinary people must be sober on this issue, and never be superstitious about so-called experts and scholars who have no actual combat experience and talk on paper all day (to some extent, to achieve real results, it is better to listen to a reliable and experienced first-line real estate agent). His remarks can only be used as one of the macro reference indicators.
The sixth "dead hole": buying a house can be in place at one time.
This is another concept that makes many ordinary people make mistakes. Some people even spent a lot of money for the so-called one-time occupancy, and later found themselves wasting it when they sold their houses. Modern society is a pluralistic society, the economy is developing, and all kinds of new things emerge one after another. Many things are changing. Maybe you think so today, but in a few years, your personal family, work, occupation, economic income and so on will change, and then your plans and ideas will be different.
If you have good economic conditions, you will certainly not be satisfied with improving your living conditions; If your economy is bad and your house appreciates, why not sell it for cash to develop your personal career?
Acupoint solution: Being in place once is just your current "fortune-telling" idea, and anything may appear halfway. I suggest that you only plan for 5-8 years. What will change in five years, no one will ever know, good or bad will definitely exceed your blind imagination now.
The seventh "dead hole": superstitious advertising language
Many people get information about buying houses through various real estate advertisements. I don't know that real estate advertising is a "good wish" concocted by real estate developers. Whether this wish can be realized depends mainly on the strength and conscience of developers.
Solution: Go to the site for on-the-spot investigation, visit and analyze, consult reliable professionals, and find the old owners to understand the real situation.
The eighth "dead hole": only buy cheap and not expensive.
I just hope real estate is cheap. Everyone knows that cheap goods are not good. Expensive must have expensive value. And the real estate market will always be: the cheap will get cheaper and cheaper, and the expensive will always be more expensive.
Solution: It is easy to add value or change hands in the future. If you really have no money on hand, bad purchases are also debt assets.
The ninth "dead hole": renting a house is not as good as buying a house.
This problem is also a problem of many ordinary people's ideas. Many people have been arguing and talking a lot. Refer to the "dead hole" 8. If you buy a bubble asset, it will be a big loss. Let's calculate an account: there is basically a big gap between the monthly supply and funds of commercial housing.
According to our survey, the rent for a house with a monthly payment of 5,000 yuan can only be around 2,500 ~ 3,000 yuan. The down payment for buying a house, plus decoration, furniture and electrical appliances, is at least 200,000 yuan or even several hundred thousand yuan in the early stage, and monthly payment (tens of thousands of yuan a year). But if you rent a house for one or two years, the rent will be tens of thousands of yuan. If you put these hundreds of thousands into it, you will definitely earn more money than you pay the rent.
Solution: Choose to buy or rent according to Article 8 "Dead Hole"
The tenth "dead hole": looking at the future with the eyes of the present
This is another obvious conceptual error. Many ordinary people follow panic inflation without knowing what inflation is and why. In fact, some houses have completed inflation ahead of schedule. A good future now is not necessarily good.
Solution: Look at the present from the perspective of the future. Don't buy a house that is overdrawn for many years to come. It is important to plan the location of the house. Even if it is not good now, as long as you know its plan, don't worry. Buying a house for self-occupation is an investment. If you want to invest, there must be risks. How to minimize the risk and turn it into value is a problem that every ordinary person who wants to buy a house should calm down and think about.
For buying a house, we should always keep a rational and calm attitude, stay away from the wrong thinking of buying a house, and ensure that we can buy a satisfactory house.
(The above answers were published on 20 16-04-05. Please refer to the actual situation for the current purchase policy. )
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