Online deception: renting a house is cheaper than buying it. Does the state give you rent? With so many so-called low-rent housing policies, can it be your turn? You can rent farmers' houses and relocated households' houses! Push up every year! Can you afford a raise? Have you had enough of those landlords' faces?
Helpless choice: 1: face the old! My parents saved up for a lifetime and then took out a loan to make a down payment. And most of their parents don't have old-age insurance, which is equivalent to changing their houses with the dignity of their old age! I don't care that much. If you don't buy it, you can't afford it if you go up again.
No choice 2: find a man with a house. Although the three views do not match, although the face value does not match, marry a house and marry it. Or face your boyfriend who loves you hard and force him to buy a house. Although you know you don't want to give it to others, it's good that it's not your parents who are biting, so you can't care.
Necessary decision: no house, no happiness; Without a house, there is no complete dignity; Without a house, it is impossible to live and work in peace.
Share the story of buying a house and a car.
Eight years ago, I was the legendary diaosi. There is no decent and stable job, floating in Hangzhou, and no good looks impress Gao Fushuai. However, I have a man who is not rich but loves me very much. He assured me of his monthly income. We don't want to eat old, and we can't eat old. Both parents are farmers and have no pension. However, we really want our own house! We also want a car, because every time he rides with me, we have to guard against the traffic police like rats, and we will be fined if we are not careful! Although I know that the traffic police are for our safety, I still secretly say to the black cat policeman like a mouse: "When I buy a car, we can always sit together and pass in front of you!"
Because it is diaosi, we can't save any money, and we see that we have thousands of savings. Occasionally, I will encounter something and spend it. But we have love, love that does not doubt each other! I firmly believe that even if I live and die, the other party will love me to the end.
House prices rose all the way in 2008, and I saw no hope of saving money to buy a house. So I found a used car on Taobao, and I used my little savings to satisfy my desire to have a car first. You can see the following screenshot of the purchase record:
Because the owner looked at me too readily at that time, I made a deal once, and I was afraid that I was a liar, so I took it twice.
After buying a car, I felt the happiness of owning property. In the past, it was a complete proletariat. I have the idea of buying a house.
From June 5438 to October 2008 10, I searched for houses on SouFun. The total price was from lowest to highest. Found a house with a hanging price of 360 thousand, which was beautifully decorated in the photo. At this time, an intermediary just called me and asked me if I wanted to buy a house. I told him about the house I found and asked him if he could contact the landlord for me. The omnipotent intermediary brother quickly replied that he had contacted.
The house is on Hushu South Road, the supermarket center in Hangzhou. One room and one living room, the area is very small, and the original landlord has also expanded a kitchen, which is acceptable. Compared with the actual decoration, those beautiful photos on the Internet are completely irrelevant. Remind everyone here, don't trust the decoration photos on some websites such as SouFun.
The landlord is a young man in his thirties. During the conversation, he directly showed the reserve price of 330,000 yuan. I calculated, so the down payment is 399,000, and the tax increase is almost120,000. I think I have to work for a few more years before I can afford the money. But how much will the house price rise after I work for a few years? How much is the down payment plus tax? I really want to buy this house because I can't seem to find anything cheaper.
Seeing that the landlord is honest, friendly and smart, I didn't want to bargain with him, but just told him that I had no money, but I wanted to buy his house. I asked him if he could cooperate with me and repay his house with a pure loan. I have to say I'm lucky. Although the landlord was shocked by my boldness, I actually agreed to calm down and think about it. Because he is also eager to get rid of it. So we immediately began to discuss the details. The following is the key. Poor math may not understand.
I calculated that I actually need to pay 330 thousand yuan plus tax, about 360 thousand yuan. If the loan is 360,000 yuan and the house price is 520,000 yuan, then I can get 364,000 yuan at 70%. However, the intermediary and the landlord think that the price is too high, and the bank will be in trouble if it does not lend at the assessed price. So it was adjusted to 480,000, so that the loan could get 336,000. In addition, I calculated the accounts receivable in my hand, and there are still about 30 thousand to collect. So I negotiated with the landlord and the two sides reached an agreement. I paid a deposit of 3000 yuan.
After the landlord left, I gave the handsome guy with a house 300 yuan. Because this house is not owned by his company, I searched it on the Internet myself and asked him to find an intermediary to make a self-made one for us, which saved a lot of agency fees. And I promised him that I would thank 700 yuan after the transfer. The little brother with a room happily helped me up.
Because the nature of men's work reassured the bank, we successfully borrowed money to buy a house. Although the house is very small, we moved into our own home in a small car under the envious eyes of friends in the rental area. Buying a house is less than two months before buying a car.
Only when we have a house do we know that it is very easy to repay a loan of 3,000 yuan a month with the help of both of us. And it's getting easier. Although we no longer live in our present house, we have left good memories. We said that this house will not be sold for life. Keep it and leave our story.
If someone wants to buy a house in this way, I'll give you some advice:
1, a stable income, no stable income, at least a stable partner, can improve their ability to resist risks.
2. Basically, you can only buy a second-hand house, because the second-hand house can agree on the decoration fee or other fees in the case of price increase, so that the total price can be controlled more freely.
3, the landlord's character must be good. The intermediary must write two contracts, one for the bank and one for the agreement signed by the three parties. Otherwise, what if the landlord borrows more money and eats it instead?
4. Don't aim too high. Everyone likes luxury houses, but if you are a heavy house slave for the rest of your life, you might as well improve it slowly and easily. Just like us, after several upgrades, the original second-hand QQ car has risen to four laps; I used to live in a small room, but now I live in a big room. I didn't feel tired along the way, because I gradually improved and did what I could.
Call again: worship less money in love, pay more true feelings, and be determined not to be old, not old! With kindness and filial piety, life can give you peace of mind in return!
The kitten fluttered: Hangzhou floated from scratch, and she was born in the countryside, stumbling all the way, without guidance and dependence. Now, she has two children, two companies, several houses and, of course, her beloved parents. She doesn't have to live in her hometown, but can enjoy family happiness in Hangzhou. In the process of getting married and having children, she insisted on not gnawing at her boyfriend and husband, and always relied on her own strength and kindness to finally achieve economic freedom and spiritual freedom.
She is well aware of the hardships of urban drifters. As a representative of the bottom drifters, every experience is a valuable asset. She is willing to share selflessly, and she is willing to help everyone move towards freedom and happiness with her own strength. She created a rich woman's way of thinking and life, and she created the official account of "happiness ladder" WeChat. In a few months, she will build a "happiness ladder" entity studio, which will not only give women an online "maiden", but also give them an offline "maiden"!