First, determine the housing and housing needs
For property buyers, the most important thing is to know whether their existing residence can meet the living and housing needs of individuals and families. From the basic aspects of family membership, work, study and family socialization, the housing demand is determined, and based on this, whether the existing housing can meet several main indicators such as geographical location, traffic conditions, housing area, apartment type, housing quality, property service and surrounding facilities is investigated. If the existing housing can't meet the demand, then you need to consider buying a house that can meet the demand.
Principle 2: Determine the price tolerance range.
Judging the price bottom line, as long as the monthly repayment accounts for less than one-third of the family's monthly income, you can calculate the monthly repayment with a higher loan amount and a longer service life. Judging the price floating space, we can distinguish the primary and secondary relations of various demand indicators according to the influence of housing indicators on family life, clarify which rigid needs must be met, and then determine which flexible needs can be abandoned.
Principle 3: Measure the cost performance of the house.
To measure whether the cost performance of a house is optimized is to see whether its habitability and added value are higher than those of a house with the same price. I bought not only a house, but also the living environment attached to the house, including regional facilities, residential environment and property services. Regional facilities include catering, leisure, finance, medical care, education, transportation and other aspects, which directly determine the convenience of life.
Principle 4: Don't pay for tomorrow's appreciation.
The seller of the house always exaggerates the regional development plan where the house is located, holding a profit card in his hand, trying to make the buyer feel that he is not only buying a house, but also a growing gold ingot. Under this temptation, buyers should stick to their own purchase principles and price bottom line when bargaining.
For home buyers, buying a house is to solve the current living. We should pay more attention to the current value of the house, and don't think too much about the future profit of the house. Don't use today's money to pay for tomorrow's appreciation.
(The above answers were published on 20 17-02-2 1. Please refer to the actual situation for the current purchase policy. )
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