The only purpose of my writing is to tell you a real market in advance!
1
It warmed up again after the cold snap.
It doesn't help if you don't want to face it, because this is the truth.
The official WeChat account of E-House made statistics on the visiting customer data of all sales offices in Shanghai from June 1 day to March 15. The data shows that the popularity of new houses in Shanghai is greatly increasing:
As for the popularity of second-hand houses in Shanghai, I can tell you as a witness of buying a house that the volume and volume of transactions have started to rise sharply. According to several intermediary managers I am familiar with, in recent weeks, I have made a lot of large units that went public last year and have not been sold for a year. Moreover, the transaction of the school district is particularly fast. The total price is low and the quality is acceptable, and the transaction is completed in 1-2 weeks. The high cost performance is the speed of fighting.
According to the statistics of Transparent Real Estate Research Institute, in March 1- 10, a total of 2,477 new commercial houses were sold in the 10th district of Hangzhou, with a transaction amount of 1 400 million yuan, compared with 6,575 sets and 23.3 billion yuan before June1year. In other words, the turnover in early March has exceeded 65438+ 1/3 in October. Now it seems that the transaction volume of new houses in Hangzhou in March is very likely to exceed 1 month before the epidemic.
On March 18, Hangzhou gave birth to the first "10,000-person Yaohao" project this year. On March 18, the registration volume of 4 17 suites launched by Sunac City has exceeded 12000.
The following are the statistics of second-hand housing transactions in Hangzhou and Haofang.com, and the number of contracts has increased rapidly:
The situation in Shenzhen has long been screened. On March 7th, 20-50 million apartments 104 in Taiziwan, Shekou, China Merchants were liquidated on the same day, and then the additional 14 suite on 13 was robbed for 8 seconds. On the evening of March 16, Vanke Star City in Baoan Shajing was sold out in 7 minutes and 30 seconds.
I told you in the last article that the leaders of this round of property market recovery in 2020 are Shenzhen, Shanghai, Guangzhou, Nanjing and Hangzhou. Now it seems that this trend of accelerating recovery has become more and more obvious! In addition, Jinan, Qingdao, Dalian, Xi and Chengdu also show signs of recovery.
2
Actual operation
Next, I want to share some absolutely practical dry goods skills. It will be of great benefit if you master all of them.
First, at present, for all cities, the policy can only be looser and looser, and it is impossible to tighten it again. Keeping the policy unchanged is the strictest rule.
Second, every Saturday and Sunday, more and more people will buy houses, whether new or second-hand houses. Therefore, in order to ensure that you have a clear head and rational judgment, try to choose a room before dark on weekdays. In this way, you can look more carefully and get more information about intermediary and sales. Most importantly, you won't make hasty decisions in a panic.
Third, in addition to the slight increase in housing prices in Shenzhen, other cities are still in a simple period of recovery in transaction volume, and housing prices have not changed. If the volume of second-hand housing can rise for two consecutive months, house prices will definitely start to rise significantly. Because, now the landlord's mentality is to throw it away at the right price. When the landlord begins to find his house very popular, the price increase will become a trend.
4. The new version of the credit information system was launched on June 5438+1October 65438+September, 2020, but so far, the new version of the credit information system did not show the information of "* * * same borrower" because the central bank did not require all banks to submit it. Perhaps because of the epidemic, this work has been delayed, and when it can be started is still unknown.
In other words, if the spouse who belongs to the borrower but not to the main lender is divorced now, there is still no loan record in the new credit report.
I have friends around me who are eligible to get the first loan to buy a house through divorce. Of course, we should take a clear-cut stand against real estate speculation, which should be strongly condemned for exploiting policy loopholes.
5. Mortgaged or mortgaged houses, the names of husband and wife on the real estate license. If you want to remove one party's name, you must go to the bank to change the mortgage with the divorce certificate and divorce agreement (indicating who owns the real estate and outstanding loans), and then go to the real estate trading center to get the name. Unsecured, unsecured housing, real estate license requires the names of both husband and wife, you can directly apply for a marriage certificate or divorce certificate. You don't have to pay tax to remove and add a name between husband and wife, but you only need the cost of 10 yuan.
6. In every city, the agency fee of chain home is the highest. For example, in Shanghai, the last family pays 1%, and the next family pays 2%. Usually this 3% is borne by the next family. To buy a house of100000, the agency fee alone is 300000. Moreover, the agency fee of the chain home is basically not discounted, and a 15% discount is very good.
Therefore, if you look at the house of a chain agent, you must keep in mind the detailed address and house number of the house you like. Then, next, you can hand over this business to your familiar intermediary. It is right for him to give you 50% agency fee for the business delivered to your door for free. In this case, if you buy a house with 6.5438+million yuan, the agency fee will be saved by 6.5438+0.5 million yuan.
Of course, I'm not teaching you to jump orders, just saying that there should be fair competition between intermediaries. There is no policy, which intermediary must be agreed with when looking at the house. Intermediary fees should also be a manifestation of competitiveness.
7. There are a large number of houses that have just been listed but not on the Internet, and there are also houses that have just been sold but not displayed on the Internet. After you are familiar with the chain agent, you can check these internal materials in his computer regularly.
In this way, you can get the high-quality housing information just listed in advance, and you can know the actual transaction price of each house in recent days. Only by fully mastering this information can you buy a cost-effective house that others can't buy.
8. Remember to buy a new mobile phone number and reapply for a micro-signal, which will be used exclusively for buying a house. Remember not to give the mobile phone number and micro signal of work and life to the intermediary, otherwise you will never have peace in the next 5- 10 years. Until now, I still get a call from the agent asking me if it is not convenient to see the house I sold 10 years ago.
9. In the next 10 year, our mortgage will be flooded by inflation. Interest rates are getting lower and lower, and prices and incomes are getting higher and higher. This is the general trend.
Therefore, we can't see whether house prices are going up or down now, and don't be afraid to borrow or borrow less. The correct approach should be to borrow as much as possible within your own ability, extend the repayment period to the longest, and adopt the method of equal principal and interest. In short, the less monthly payment, the more cost-effective, and the longer you owe the bank, the more cost-effective.
At present, the loan interest rate of Shanghai real estate mortgage business has been as low as 4.35%, and it is 20 years of equal principal and interest, even lower than the mortgage interest rate of 4.75% (5-year LPR). So everyone is talking about preventing credit resources from flowing into the property market. Faced with such a large spread, the whereabouts of funds can be imagined.
10. At present, there are only a large number of short-term real estate speculators in first-tier cities in Shenzhen, and only investors who just need, improve and hold for a long time are left in Beijing, Shanghai and Guangzhou.
For a long time to come, Shenzhen's housing price increase will definitely be ahead of Beishangguang, because Shenzhen's settlement threshold is low, social security payment is simple, business apartments have degrees and points, and the most important thing is that Shenzhen is in short supply, and the government's determination to regulate and control is not strong, which is easy to stimulate the property market.
Therefore, if you want a high return on investment, Shenzhen is the first choice. If you want to work and live comfortably and conveniently, it is more suitable to go to Beishangguang.
I've only touched the above 10 technique a little, so it's not convenient to explain it in detail. You must study them again and again. This 10 skill is matched with each other, which can completely extend at least 20 operation rules. Once again, I don't encourage real estate speculation, but I support just-needed and improved housing!
I hope that in 2020, everyone can buy a satisfactory and comfortable house!
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