When preparing to buy a house, buyers must evaluate their ability to purchase a house in advance in order to accurately judge what kind of house they want to buy? In which area should I buy? Which way to buy? So, how to accurately assess your ability to buy a house?

The first step is to estimate family funds

Before buying a house, home buyers should first estimate family funds, which mainly include three aspects: first, family deposits and realizable assets, financial management, and bonds etc.; the second is the average monthly income of the family, including interest income and various monetary subsidies, etc.; the third is the calculation of the family's daily expenses. By deducting the reserve funds for daily living expenses from the average monthly income of the family, the funds that the family can use flexibly every month are obtained. Adding the accumulated savings of the family, the total assets that can be used to purchase a house can be easily estimated.

The second step is to consider the area of ??the house

The size of the house is directly related to the selling price of the house. Therefore, home buyers should consider the permanent family size and required house area in advance before buying a house. It should also be noted that the sales area is generally the construction area, while the daily use area is closely related to the housing acquisition rate.

Generally, the effective area coefficient of multi-story brick-concrete residential buildings is 0.7 to 0.8; while the effective area coefficient of high-rise residential buildings is 0.7 to 0.75, with the lowest being only 0.65. Because home buyers pay based on the built-up area, the size of the effective area coefficient means that the usable area of ??the house purchased by home buyers for the same money may vary greatly.

The third step, choose the method of purchasing a house

There are currently two main methods of purchasing a house: one-time payment and loan purchase. If the home buyer has sufficient funds on hand, he or she can choose to buy a house with a one-time payment. This way, there is no need to pay handling fees and bank loan interest, often you can get discounts, and the procedure is simple. If the home buyer does not have sufficient funds, he should choose to buy a house with a loan, which is also the choice of most people at present.

The fourth step is to measure the ability to repay the loan

When choosing a loan to buy a house, you should pay attention to two questions: Are the available funds sufficient to pay the down payment? Do you have the ability to repay the loan? The combination of down payment ability and loan repayment ability is the ability to purchase a house. Since a loan is a fixed living expense, home buyers need to have a relatively stable job and source of income. At the same time, due to the increased loan expenditure, it will inevitably have an impact on the previous financial plan. Therefore, new family income and expenditure plans should be made before purchasing a house to avoid any impact on daily life after purchasing a house.

Step 5: Calculate the ability to support a house

To calculate the ability to support a house, it is necessary to calculate the cost of supporting a house. In addition to the monthly loan repayment, it also includes housing taxes and property taxes. Fees, heating fees, hot water fees, decoration fees, etc. By adding up these expenses and comparing them with your income, you can measure whether you have the ability to support a house.

Before buying a house, buyers must evaluate their ability to purchase a house to avoid excessive pressure in the future. Buy a house within your ability!

(The above answer was published on 2017-11-22, please refer to the actual current relevant home purchase policies)

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