1, accounting for household income
The purpose of buying a house is to usher in a better life, but if all assets are exhausted in order to buy a house, it will only increase stress and affect happiness. So before buying a house, you must first find out how much your savings are. How much money can be used to buy a house?
2. Estimate the purchase cost
After calculating the available amount, all you need to do is to estimate the total cost you need to spend during the whole period from buying a house to moving in. The cost of buying a house is not only the down payment and the total price. After the monthly payment, the cost of delivery, and even the money for decoration should be taken into account. Never be fully prepared, thinking that you can make a decision to buy a house as long as you can afford the down payment. In this way, there will often be difficulties such as delaying the closing of the house due to insufficient funds at hand and having no money to decorate after closing the house.
3. Estimate the household income and expenditure after buying a house.
After estimating the total cost, don't be short-sighted, and consider your life in the next few years or even decades with your current income. But we should not be too grandiose and completely ignore the practical difficulties. So what you have to do at this time is to consider the future income and expenditure of the family and determine the loan method and repayment method.
Don't think it doesn't matter, family repayment ability must be estimated. Because after that, besides the monthly payment, the monthly income must be able to guarantee the normal living expenses, so as to avoid falling into the embarrassing situation of "affordable". Well, I can still have some surplus in the bank every month! Comprehensive family economic situation, property buyers may not put the rest of their lives under the pressure of mortgage.
4. Identify real estate owners
Nowadays, most couples need their parents' sponsorship to buy a house, and most of them will choose both parties to repay the loan. Therefore, before buying a house, both parties must reach an agreement on the name on the real estate license and the proportion of capital contribution. Only in this way can we avoid future disputes.
5. Determine the scope of buying a house
The choice of the scope of buying a house requires buyers to choose the real estate that suits them, that is, to buy a house according to their abilities. Small area, low down payment and low total price, suitable for young people. It is recommended to buy a second-hand small house or a newly opened small apartment. In addition, because young people have great job mobility, we should consider a place with convenient transportation, so that even if they move because of job changes, they can still travel easily.
6, understand the housing.
When you choose your favorite property and come to the sales office, you must keep a cool head in the face of enthusiastic salesmen. Because generally speaking, sales staff have received professional training, have certain real estate professional knowledge, and know how to foster strengths and avoid weaknesses, so the defects and shortcomings of real estate are often ignored.
Therefore, you must be careful when communicating with the sales staff, and at the same time, you must ask the sales staff to give clear answers to the questions listed below. Need to remind everyone that the reply and commitment of the sales staff cannot be used as the legal basis for future disputes, and everything is subject to the purchase contract and supplementary agreement.