First, the successful experience of changing a small room into a large room
The successful experience of changing a small house into a big house looks very practical, and the step-by-step selection is very good. For example, it is very important to prepare the capital budget, choose the loan method, choose the living environment, understand the significance of changing houses and deal with old houses.
1, prepare the capital budget.
What buyers need to do before changing houses is capital planning. If the liquidity is insufficient, it is more common to sell before buying, which is suitable for buyers with stable income and sufficient funds to buy a house. If the strength is relatively strong, changing rooms is relatively simple, because there is no need to consider how to deal with small huxing.
2. Loan selection method
There is a certain pressure to change rooms, because changing rooms is undoubtedly the bigger the house, or the better. If you need to buy a house urgently, you can consider selling the old house first and then buying a new house. If you buy a house with a loan, the cost of raising a house in the future should also be taken into account. Generally speaking, the monthly supply should be controlled at about 30% of the monthly income.
Step 3 choose your living environment
Changing rooms is nothing more than wanting to live in a better environment and improve their living standards. For example, the requirements for the surrounding ecological environment and human environment. For example, we pay more attention to the level of greening, the level of property services and the level of residents, so it will be more comfortable to live in the surrounding parks and river views.
4. Understand the meaning of changing rooms.
Some people change rooms because the family population has increased, and some people change rooms because of the changes in the workplace, and they need a bigger environment, and they are closer to leaving the workplace to make their living environment better. Be clear about the purpose of changing rooms and make some strategies to avoid buying a house that you are satisfied with.
5. Disposal of old houses
Changing houses will involve the disposal of old houses. There are only two ways to deal with it. One is to sell the house, and the money sold can be used as part of the money to buy a big house. The other is to keep the house. This depends on one's financial situation.
Second, how is it too much to change a small room into a large room?
How to change a small house into a big house is too much? If you want to change a small house into a big one, you can generally deal with it in the following three ways: selling small and buying big, keeping small and buying big, and renting small and changing big.
1, sell small and buy big
This method can be divided into two situations: first selling and then buying and then selling. For property buyers with insufficient liquidity, selling before buying can leave enough funds to alleviate economic pressure. In addition, in most cities, if you choose to sell before buying, you can continue to enjoy the treatment of the first suite and reduce the burden of buying a house.
Buy first and then sell, which is suitable for buyers with stable income and sufficient liquidity. When changing houses, they do not need to face the dilemma of renting houses.
2. Keep small, buy large.
Keeping the old and buying the new is suitable for housechangers with high income for many months, which avoids the situation of no fixed place after selling the house and does not need to consider the problem of renting a house during the house change. This method tests the repayment ability of housechangers.
In addition, if the first suite is still a loan, then the loan interest rate and tax for the second suite will increase compared with the first one, and the monthly payment for the second suite is also a big expense. So it may have a certain impact on the quality of life.
3. Trade small for big.
In this way, it is necessary to consider the rental return of small huxing and whether the down payment of large huxing is fully prepared. By renting a small house for a large one, the monthly payment burden can be reduced to some extent. However, the down payment requirement is high, which is only applicable to buyers with low down payment pressure and low monthly supply capacity.
Third, how to change a small room into a large room is cost-effective.
How to change a small house into a big house is cost-effective? It is basically difficult to buy a second house on personal income alone. So redemption is a way that many people will choose, that is to say, sell first and then buy. Of course, if you have money, you can buy it first and then sell it. They each have their own advantages and disadvantages.
1, sell first and then buy.
Selling before buying is suitable for people with tight balance on hand and stable monthly income. For property buyers who are not well off, it is very stressful to let them buy a new house directly.
Advantages: When the small house is sold, the buyers have abundant funds on hand, and they also enjoy the treatment of the first suite when they borrow money, and the interest rate is obviously lower, which reduces the burden on the buyers.
Disadvantages: I bought a new house and can't hand it over immediately. It will be very inconvenient to live in this period of time, and you will face the dilemma of renting a house again. At the same time, the rent of the house is also a big expense.
2. Buy first and sell later
Buying before selling refers to other process operations of signing a house purchase contract before changing houses. Suitable for property buyers with abundant funds at hand.
Advantages: Buying before selling also allows you to lock in scarce housing. The golden floor is transparent from north to south. When too many people stare at it, they throw it out. Buy buy buy buy, the first move is the best.
Disadvantages: mistakes in any link in the later period may lead to breach of contract. If you accidentally pay hundreds of thousands, you will suffer heavy losses. Buy first and then sell. What makes people anxious is that the house has been signed, but the house can't be sold.