Is it worth buying a house or renting a house in Beijing?
1. What is the price of buying a house in Beijing?
1. Buying a house: Xiaojinzai 17 mortgage to buy a house, with a total price of about 830,000 yuan, a down payment of 250,000 yuan, a commercial loan of 830,000 yuan and a monthly repayment of about 3 100. By 19, the house has risen to about 15000 per square meter. Regardless of the appreciation factor, Xiaojin's salary has more than doubled from 17 to 19. It used to cost more than 3000 yuan a month, but now it's basically nothing. If you think about it this way, it is 10, 20 years, 30 years.
2. Renting a house: Xiaojin is currently working in Beijing, and many colleagues around him are renting a house. I understand that their lease contract is one year. Pay one and lose three, the monthly rent 1000, and the water and electricity fee is 200 per month. Annual rent 14400 yuan. I have to put up with the risk that the landlord will not renew the lease. Some people say that the rental contract can be signed for many years, but the rent in first-tier cities is rising every year. The landlord will not be stupid enough to sign a contract with you for many years, and the price is the same.
Conclusion: Although your salary is rising and your rent is rising every year, the monthly payment will remain the same if you buy a house. If you are in the average capital, the monthly repayment will be less and less, which will obviously bring you less and less financial pressure.
Second, the comparison of buying a house in Beijing.
1. Buying a house: Schools around Xiaojin release new enrollment information, giving priority to school-age children with real estate and household registration in this district, then enrolling school-age children with real estate in this district, and finally enrolling school-age children with temporary residence permits in this district.
2. Rent a house: You can only go to private aristocratic schools or regional schools, and there are still places after you enroll qualified children. No military service is willing to hand over the place where children study to others.
Conclusion: The educational resources obtained by renting a house are worse. If you can't rent a house that can be rented for a long time, you will face the risk of moving. At this time, does the child face the risk of finding a new school and adapting to the new environment?
What are the precautions for renting a house?
1. Concerned about the housing lease, the parties who cannot obtain the housing lease certificate can go to the housing lease management office in the jurisdiction to handle the housing lease information when their children enter school.
2. Pay attention to the housing rental information only for residential rental housing that cannot obtain legal housing ownership certificate or real estate ownership certificate, and other uses will not be handled if they are changed to residential use.
3. Housing lease Note that housing lease information is only used for check-in procedures and cannot be used as a legal basis for market and lease transactions.
4. Pay attention to the rental house owner or manager should hold the rental house code card; After the release of "House Lease Information", the information content is locked, and the parties may not apply for changing the original information.
Is it worthwhile to buy a house and rent a house in Beijing? What are the precautions for renting a house? Buy a house or rent a house, and the most suitable thing is to buy a house. There is still room for appreciation of the house. If we can grasp it well, we will certainly receive more benefits in the future. If you choose to rent a house, you should pay more attention to the matters needing attention in leasing, so that the funds and processes can be guaranteed.