I. 23 to 30 years old
Group analysis:
The 23-30-year-old post-80s freshmen are generally in the stage of no family burden or just getting married. They have been in a state of casual consumption, and more people are willing to spend tomorrow's money to enjoy today's life.
Their career planning has not taken shape, and they are full of hope for their future life, thinking that economic independence is not difficult. There is little or no deposit. If you buy a house, the down payment must be borne by the family.
Suggestions for buying a house:
Most young people born in the 1980s have been studying in school for a long time. Judging from their careers, they have a good starting point and unlimited future development. In particular, this group has the characteristics of younger age, and it is relatively easy to get loans under normal circumstances.
The younger you are, the longer the loan period will be, and generally you can successfully borrow for 20 years. Young people will choose a new house first when buying a house, and the apartment will not be too big. Convenient transportation is an important reference condition for young people to choose a house. Such a house is easier to give a higher evaluation price, so the loan amount is higher.
But there is also a "loan credit crisis" in young people's loans. Nowadays, many young people use credit cards, and it is easy to cause negative credit records if they don't repay in time after spending money. Therefore, young people consider their future economic life when using credit cards, and take good care of their credit records.
Second, 30 to 45 years old.
Group analysis:
Buyers of this age generally own a house, but they have to consider buying a house because of their children's schooling and job transfer.
Suggestions for buying a house:
They are faced with a small tension between the old and the young. When making a loan, they should pay special attention to the reasonable arrangement of family expenses, and don't underestimate the loans deducted every month.
Banks trust these customers because they are on the rise of their careers and have very strong repayment ability. For those customers who upgrade their home ownership, the loan period can also reach 20 years. Of course, these borrowers usually have a certain economic foundation when considering changing houses. Be more flexible when choosing the loan time.
Third, 45 to 55 years old.
Group analysis:
Although the buyers of this age did not choose the crisis when they started their business, they are about to retire, and how to arrange their later life has also entered the agenda. From the perspective of preference, people of this age group are also more conservative.
Their lives are relatively stable, but before entering a normal life track, they still need to consider their children's living expenses. Choosing a house for children has become one of their consumption directions.
Suggestions for buying a house:
The age of these lenders has become a major constraint on loans. According to the regulations, people in mortgage to buy a house cannot be over 65 years old. As lenders, these people are obviously very close to the "loan bottom line", so banks are more cautious when considering the situation of these lenders.
If you apply for a commercial loan, the down payment will be higher for borrowers of this age. Fortunately, after decades of struggle, people of this age group have relatively abundant funds. Many homebuyers who are unwilling to borrow money are even willing to buy in full at one time.
It is suggested that people who have provident fund should use provident fund when buying a house, and the amount of funds purchased in full is large, so it is necessary to consider whether their future life will not be affected first.
Fourth, well-funded buyers.
Suggestions for buying a house:
For such consumers, there is generally no problem of mortgage. A house is not only a shelter from the wind and rain, but also a sense of stability and accomplishment. Many people regard owning property as personal wealth.
For such consumers, the house belongs to tangible assets. Especially at present, the service life of real estate is more than 50 years, and the depreciation rate is low. Compared with the volatility of the capital market, real estate can enjoy relatively stable assets.