Off-season is a good time to buy a house
The characteristics, attributes and quality of each house are different, and everyone's tastes and hobbies are unique-for example, children have to go to school, where their wives work and so on. So there are many opportunities to find a house with a certain price standard, but it is not so easy to meet the needs and preferences of self-occupation. If we get rid of this understanding, simply from the market trend, the off-season is a good time for buyers to buy their own homes, because when the market is weak, investors and real estate speculators will withdraw from the market in large numbers, which not only means more choices, but also tends to be rational and it will be cheaper to buy a house.
Iron Law 2 Interest rates will always change.
If the buyers have sufficient funds to purchase houses, or the liquidity of funds is relatively smooth, and there is a plan to purchase houses, then they can choose suitable houses when the banks cut interest rates. However, this kind of purchase decision should be based on its own ability to pay, rather than blindly following the trend and entering the market with the mentality of "taking advantage". Once beyond the actual economic capacity, it is likely to affect the quality of life in the future because of the pressure of repayment.
Iron Law 3 Pay attention to regional supply when buying a house.
When the market rises, the price of the first-hand building is higher than that of the second-hand building; On the contrary, the price of second-hand buildings is higher than that of first-hand buildings. In the same area, house prices are often affected by the amount of push from both. For example, when the supply of primary property is large, developers will compete for customers, and the price will be relatively reasonable, which is relatively suitable for buyers who buy new houses; When the supply of primary property decreases, in the face of market demand, individual sellers may hoard goods and prices will rise irrationally.
Iron law 4 property tax can be compensated by buying and selling transactions.
At present, for property buyers, there is still a psychological burden, that is, if you don't buy it when taxes are low, won't you lose money when you buy it when taxes are high? Speaking of this problem, we need to distinguish the taxes involved in real estate first. The current property tax is divided into turnover tax and holding tax. Turnover tax mainly includes business tax, deed tax and income tax. Turnover tax is only paid when property rights change. Holding tax is mainly property tax and property tax. Property tax is only for rental property, and no property tax has been levied. At present, the focus of tax adjustment is to crack down on speculative real estate speculation, which has little impact on personal use. In addition, even if you are listed, as long as you have enough patience, you can always make inquiries from many parties to compensate this tax in the transaction.
(The above answers were published on 20 16-08-29. Please refer to the actual situation for the current purchase policy. )
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