The first reason why it is difficult to buy a house is that the house price is too high.
China's housing prices are high, but not all of them are. 201June 5 100 city real estate price data shows that the average sample price of 10628 cities in China 10628 yuan/square meter, among which the real estate prices of Shenzhen, Shanghai and Beijing remain at 33,000-34,000 yuan/square meter, making it the highest in the country. However, there are also third-and fourth-tier cities such as Xiangtan and Baoji, and the house price is still below 4,000 yuan/square meter, which is the lowest in the country.
So, can't afford to buy a house is the reason for the house price? Obviously not. Based on Xiangtan's per capita annual income of 30,000 yuan, a set of 100 square meters of commercial housing is less than 4,000 yuan/square meter, and the down payment is120,000 yuan. A normal family can basically make up for it without stress within five years. Not to mention, in Beijing, Shanghai and other cities, the monthly income is over 10,000, and buying a house is only a matter of minutes, as long as you choose.
The second reason why it is difficult to buy a house is that there is no house.
It is difficult to buy a house. Is it because there is no house for sale in the market? According to the data released by the National Bureau of Statistics, by the end of 20 15, the area of commercial housing for sale nationwide was 656.66 million square meters, an increase of 34.97 million square meters compared with the end of 20 14.
Is buying a house a house? The answer is also wrong. As long as you want to buy a house, there are plenty of new and second-hand houses.
The third reason why it is difficult to buy a house is that the income is too low.
Can't afford to buy a house is mostly due to lack of funds, but it is not entirely due to income. According to a survey, the data of 20 10 shows that the average age of buying a house for the first time in China is 27 years old. By 20 14, this number may have dropped to 25 years old. Not to mention the post-80 s, the post-90 s who are currently active in the army of buying houses have blossomed everywhere. Think about it, baby. How old are you? Many people are still studying and can't live independently from their parents. Why buy a house so early?
You want to work for a few years or even buy a house without a job, if not? Second generation? Then you still work hard and make money honestly. As long as you have perseverance, whether you can buy a house is not absolute.
The fourth reason why it is difficult to buy a house is to buy up and not buy down.
Another most important reason why it is difficult to buy a house is the speculative psychology of buying up and not buying down. Imagine the property market in 2008? Collapse? During this period, the developer told you not to buy a house. At that time, the house price could not be lower. But by 20 10, house prices skyrocketed and everyone had to queue up to buy a house; The same buying up and not buying down continued at 20 1 1 and 20 13.
In fact, for those who just need to buy a house, the most meaningful thing is living, not investing. In other words, house prices have gone up, and all houses are going up in price; The house has fallen, and all the buildings are falling, so it doesn't matter whether the house price goes up or down.
The fifth reason why it is difficult to buy a house is indecision.
If you don't buy a house today, you will be busy for a year. Although exaggerated, it is indeed the truth of buying a house. In the current property market, some property buyers always put their hopes of buying a house on tomorrow, always expecting a lower price and a better house tomorrow, but what they are waiting for is that the house price rises, the favorite house is sold, and finally they are forced to buy it at a high price.
Matters needing attention in buying a house 1. Average price of real estate: Never mistake the advertised average price of real estate for the price of the house you bought. Be sure to define the concept of average real estate price. Before the opening sale, the developer will set the sale price of the residential area for sale according to the market situation and cost accounting at that time. This price is the average price of the project. When a real estate is put on the market, there is an average price first, and then the price of each unit in each building is calculated through it. There is a difference between the two.
2. Floor area ratio: refers to the ratio of the total construction area above ground to the land area of residential areas. For developers, the plot ratio determines the proportion of land price cost in housing, while for residents, the plot ratio is directly related to the comfort of living. Good residential areas, multi-storey residential buildings shall not exceed 1.5, and the plot ratio of high-rise residential buildings shall not exceed 4. If the plot ratio exceeds 5, it is not recommended to buy.
3. Utilization rate and utility rate: The difference between them is that utilization rate refers to the net area in the apartment, that is, the ratio of usable area to living area. Generally, high-rise towers are between 72% and 75%, and slab buildings are between 78% and 80%. In terms of utilization rate, the ratio of interior construction area to residential area is greater than utilization rate. Therefore, some developers often use the utility rate to attract property buyers.
4. Green rate and greening rate: Green rate refers to the sum of all kinds of green spaces within the scope of residential land and the ratio of residential land. The land within/0.5m from the external wall of the building and within/0/m from the roadside and the land with a surface coverage depth of less than 3m, regardless of whether there is greening on it, are not included in the green area. The greening rate refers to the ratio of the sum of the vertical projection areas of greening to the land used in residential areas. The green rate of residential quarters shall not be less than 35%. Property buyers should pay attention to the fact that the greening rate promoted by real estate developers when selling properties is actually a lot of greening coverage.
The suggestion of buying a house is to meet the demand.
Because people's herd mentality and habit of following the trend will make a real estate or a certain area more and more popular and the price will become more and more expensive. If it is expensive to a certain extent, you should be careful not to get stuck in real estate? Locked up? . Therefore, meeting your own needs is the best house. Before buying a house, set your own goals, compare and see more, but after moving in, don't compare and don't care. Psychological balance is more important than any material enjoyment.
Avoid the deposit trap
Many developers will play as many preferential activities as possible. How much deposit do you need to pay? Some developers' deposits will still be refunded, and some will be refunded for various reasons. So if you pay a deposit, you must be optimistic about the deposit contract. In addition, Chinese characters are extensive and profound. Although the meanings of "Ding" and "Ding" are similar, they are quite different. Therefore, it is necessary to distinguish the differences and avoid falling into the deposit trap.
Avoid the trap of robbing houses.
Developers will always create an atmosphere of grabbing houses, so that many buyers will gather together to grab houses at one time, so that many people can grab a good room number. It will rob the house without thinking, and many developers will announce the house price in an instant before robbing the house. Therefore, you must make a good calculation before deciding whether to grab it. After grabbing it, it should not be too expensive.
Observation room area
Sometimes I look at the model house because the decoration effect will make the house look big, so those who look at the house and buy blanks try to take the house without decoration as a reference.
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