Each city's specific provident fund policy and loan policy are different. We can't say which is good and which is not, but the macro idea of choosing a house is universal. No matter when, you can decide whether to buy a house and what kind of house to buy according to your specific situation.
How to inquire about local policies?
You can check the local provident fund website or call the local provident fund hotline for consultation;
Go to an intermediary company for consultation, but you'd better do some homework yourself, otherwise it will be easily misled;
Search local news about provident fund and loan policies;
Go to the local service hall for consultation;
Ask friends and colleagues who bought it. (It must be in the near future, otherwise the policy may have been revised. )
What preparations do you make before buying a house?
Check the personal credit report to see if there is any bad credit record;
Have a credit card ready;
Check the amount of provident fund loans. (The amount of loan I can borrow at present)
How to choose a house?
First locate your own needs, the budget for buying a house, the mortgage you can afford every month, and the priority of all needs.
Need to consider: area, location, school district (especially those with children, or those with plans for babies), value preservation VS investment, supporting facilities, quality, apartment type ... Think about these options, which is more important to you, and give them priority.
Rethink under an affordable budget;
If you can't stand the long traffic time, you can only buy a smaller and older house in the urban area at the expense of area and apartment type.
If you want to give the whole family a spacious and bright living environment, regardless of traffic time, or you can work in the suburbs, then you can choose your suburbs.
If you need to pick up your children after work, be sure to consider the house in the school district near your current unit or your possible unit area.
If you want to have a good school district, then you need to comprehensively evaluate the school districts including the whole city to see whether a school district can afford it within your budget and whether the area is acceptable to you (especially the local policies).
How to choose a small area when selecting a large area?
Follow the following points: government planning, traffic routes, large-scale livelihood policies, etc. In fact, the information of urban planning can be found, and you need to check it yourself: for example, according to the planned subway station, hospitals, complexes, government planning centers and other large-scale livelihood projects.
Many buyers can listen to the sales when they look at the house and say, "We are very close to the subway, and it takes 10 minutes to walk!" But after the actual purchase, I found that it takes half an hour to drive to a subway entrance (and it was built after 2020) ... Is this a subway house? Of course not!
If you buy the right location of the potential subway station, there is no problem for the house to at least maintain or even appreciate its value; If it is bought near the existing subway station, it is understandable to add the dividend factor of the subway station to the house price. So if there are no other big problems, hedging is generally not a big problem.
Considering many factors, such regional selection will preserve the value and even have great appreciation value.
How to choose a small house?
From the perspective of large and medium-sized cities, the appreciation of houses in a region is different, especially in some places where brand recognition is blind. Therefore, except for school districts, the appreciation of a region is relatively high, and the appreciation of brands is generally relatively high.
After considering the brand of real estate, we should also consider the quality of real estate, floor area ratio, parking problem, property quality and apartment type. , are the problems that determine the current price and the later appreciation.
You can't choose the location of the house at will. Choosing the right position or not is to double or lose money. Property buyers should consider all aspects when buying a house, especially in the consideration of site selection.
(The above answers were published on 2017-01-17. Please refer to the actual situation for the current purchase policy. )
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