Buying a house with a loan coincides with the best time.
A consumer calculated such an account, if all his funds are invested in buying a house, then the rate of return on capital for one year is equal to zero; If you buy a house and apply for a five-year mortgage loan of 200,000 yuan, you can put your own 200,000 yuan into the stock market. If you subscribe for new shares, there is no risk, and you can make a profit of more than 10% every year. You can not only buy a house, but also make a profit of about 4%. The buyer demonstrated the benefits of buying a house with his financial skills.
Invest in buying a house, the bank provides mortgage, and the loan interest rate is lowered again. Now banks have launched housing consumer credit business and operating real estate mortgage loan business, which makes it very convenient for people to borrow money to buy a house. If people don't have enough money, they can take the opportunity to borrow some money from the bank.
It is timely to invest in renting real estate.
The author, a college classmate, has not been assigned a house for the time being after marriage, and the annual rental fee is nearly 10 thousand yuan. At the end of last year, he bought a house with two bedrooms and one living room through bank mortgage. He calculated an account for the author: his and his wife's monthly income add up to more than 5,000 yuan, and the monthly mortgage repayment after buying a new house 1500 yuan is not a big problem. Moreover, after the housing reform, he can take the last bus from the unit to a suite, or he can use the housing subsidies of both units to buy a house again through provident fund loans, and then rent the second house to others, so that at least 500 yuan rent is recorded every month, and the repayment pressure is undoubtedly reduced. At present, in addition to living in a new house early and improving the quality of life, he also owns two properties, one for his own use and the other as an investment tool.
The idea of investing in real estate must be a little ahead of the average person. As we all know, there are great risks in real estate transactions in the form of buying and selling: first, it is difficult to grasp the timing of buying low and selling high; Second, high transaction costs and lack of flexible liquidity. It is much more flexible to buy a house for rent and get a return on investment by collecting rent. Moreover, people in the industry also believe that in addition to meeting their own living needs, buying a house for rental investment will become a development direction, which is also the inevitable result of housing marketization.
The investment value of a property mainly depends on its service quality, rental return and geographical location. In some cities in the mainland, the quality of property service is the focus of renters' attention.
Because investors are rarely experts in the construction industry, it is difficult to evaluate and judge the internal quality of real estate. Therefore, it is the most direct and effective way to investigate the strength of developers and the performance of previous development projects.
Investing in housing should have a long-term vision.
Compared with commercial housing, investment housing is generally safer, as long as the location is not particularly remote, the appreciation will be more stable. It should be noted that you should learn as much as possible about urban planning and choose those projects with large planning scale, perfect infrastructure and under development for investment, because once such projects are developed, the price of real estate will definitely be much higher than the price when you buy them.
Many property buyers, when choosing commercial housing, all aim at choosing housing in suburbs or new districts, and their shrewdness is equally admirable. Buying a downtown house with the same area is equivalent to buying a suburban (or new district) house plus a car, and the living environment and value-added potential are better than buying a downtown house.
Investing in real estate requires a long-term vision. Commercial housing sales are the trading activities with the largest amount of funds and the most restrictive factors among all kinds of commodity sales. Therefore, in the process of trading, we should not only know all kinds of procedures and operation methods in detail, but also pay attention to strategies.
(The above answers were published on 20 16- 12-06. Please refer to the actual situation for the current purchase policy. )
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