In the process of home purchase planning, home buyers need to analyze their family situation and age status in detail, clarify their own home purchase goals, analysis and financial status, and finally determine the property that suits them. So what should be the properties of different ages? How to buy a house? The editor has summarized the following content for you:

23 to 30 years old

1. How to buy a house

The general financial ability of young people aged 23 to 30 When buying a house, you must first consider your financial affordability. You can choose to buy a house with a loan. The younger you are, the longer the loan period. A 20-year or 30-year loan is a better choice.

The monthly repayment amount of a home purchase loan should not exceed 30% of the monthly income. In addition to the monthly repayment amount, you also need to set aside other expenses such as living expenses, property fees, parking space fees, etc. This group of home buyers need to be reminded that in addition to the down payment, they also need to consider the cost of decoration, furniture and appliances, and various taxes and fees when buying a house.

2. Key points of attention

This group of home buyers should consider the location and transportation convenience, and then consider the quality of the house. It is recommended to choose a small-sized apartment that can save commuting time and transportation costs. On the one hand, a small-sized property is sufficient now, and on the other hand, it will be easier to sell when renting or selling in the future. In addition, young people who have high requirements for life and entertainment are very picky about supporting facilities, so houses with complete supporting facilities are more attractive and suitable for this group of home buyers.

30 to 45 years old

1. How to buy a house

House buyers in this age group already have a certain financial foundation. Generally, they are old and young. , when choosing a loan to buy a house, you need to pay attention to the reasonable arrangement of family expenses. Don’t take that loan deduction lightly every month. Of course, banks trust this group of customers because they are on the rise in their careers and have very strong repayment capabilities, and the loan period can reach 20 years.

2. Focus

When choosing a house, it should be as close to the school as possible so that the children can enjoy better educational resources. In addition, at this age, some improvement buyers should pay attention to the surrounding environment and complete supporting facilities of the house in order to enjoy a better life experience. In terms of house type, you can consider a house with three bedrooms and one living room, with the living room and bedroom facing south.

45 to 55 years old

1. How to buy a house

According to regulations, the age of those who buy a house with a loan cannot generally exceed 65 years old. Therefore, if these people first When applying for a loan, age will become the biggest constraint. Fortunately, people in this age group have relatively abundant funds after decades of struggle. There are many home buyers who are unwilling to take out a loan and are even willing to pay the full amount at once.

2. Focus

Since people in this age group not only have to consider how to support their elderly parents, it is best to choose a house close to hospitals or parents when buying a house. . In addition, the quality of property services is also a focus that needs attention, because the convenience brought by thoughtful and meticulous property services and community care is essential for the elderly. In terms of house type, avoid layouts with twists and turns and overly large units (especially duplexes). It is best to choose a house with good orientation and good ventilation.

(The above answer was published on 2018-06-06, please refer to the actual relevant current house purchase policies)

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