I want to buy a house, but what if I have no money?
First, borrow friends and relatives.
Borrow money from relatives and friends and can't afford the down payment when buying a house. The only way I can think of is to borrow money from my relatives and friends, some from my parents, some from my two sisters, some from my brothers and uncles, and my own savings. Many people are embarrassed to talk when buying a house, but it's nothing. I insist that the house thinks it is friendship to lend you, and it is my obligation not to.
Second, down payment by installment
Pay the down payment in installments if you have no money. Now there are developers operating. For example, the down payment is 300,000 yuan, and you can only borrow 6.5438+million yuan in the early stage, and then the developer lends you 200,000 yuan, but you need to pay off this 200,000 yuan in 2-3 years, but the pressure is a bit great. The down payment is installment+mortgage+transitional rent+decoration after delivery.
Third, credit loans.
With credit loans, the current credit loans are ok, but the interest rate is higher than that of credit cards, because credit cards have interest-free periods if the pace is well controlled, while credit loans do not.
Why can't I afford a house?
First, buy up and not buy down, blindly follow the trend
When people around you are buying houses in the market, don't join in the fun, because there is a price to pay. Buy when it goes down and sell when it goes up. Only in this way will we not waste our hard-earned money in vain.
Second, you don't need a mortgage to buy a house, but you have to save enough money to buy it.
In this era of inflation, it is cost-effective to buy a house with a loan. Try to spend less money on buying a house. Whether the remaining money is invested in the stock market or other things, the annual interest rate is much higher than that of bank loans.
Third, blindness.
Never have a short-term speculative mentality, but have a long-term mentality. Participate in real estate, you can find someone to help you make money, or do your homework, have a plan for your own funds for at least 2 years, and you won't worry about default within 2 years.
Fourth, look at the future with the eyes of the present.
Look at the present from the perspective of the future. Don't buy a house that has been overdrawn for many years to come, there is little room for growth. The regional planning of the location of the house is very important. Even if you are poor now, you don't have to worry as long as you plan clearly.
Fifth, believe in the commitment of developers.
When advertising, developers often exaggerate the value of their properties and paint a beautiful blueprint for buyers. However, when the buyers got the house, the promised bubble burst.
What if I want to buy a house but have no money? Why don't you have money to buy everything in the house? Some house slaves said, if you have no money, you won't pay the mortgage? . I am firmly opposed to this. Once you do that, it's possible? The money and the house are gone? Moreover, it will leave a credit stain and affect the future consumption life. Therefore, to buy a house with a loan, we should do what we can and be a new human being with financial health.