For first-time home buyers, due to lack of experience, it is easy to ignore some problems. It is suggested that property buyers keep rational analysis in the process of buying houses, don't be impulsive blindly and try to avoid making mistakes. So what mistakes might Xiao Bai make in the process of buying a house for the first time?

First of all, there is a lack of understanding of policies and markets.

For many first-time home buyers, it is easy to blindly listen to other people's opinions or scholars' suggestions. But maintaining your own rational analysis is also an essential step. Property buyers can start from two aspects: First, the real estate market dynamics. Property buyers can understand the price range of intentional cities and intentional regions and choose the range they can bear. The second is national policy. Because many cities have clear restrictions on the qualification of buying houses, buyers need to know whether they meet the requirements.

Second, the purchase funds are uncertain.

A house ranges from hundreds of thousands to millions, and it is impossible to buy a house smoothly without certain economic conditions. Therefore, first-time home buyers need to judge how much money can be used to buy a house according to their own economic strength and make a suitable purchase plan. If you have strong financial ability, you can pay in one lump sum. If the financial ability is poor, you need to judge whether the down payment funds meet the demand of your intended housing, and if not, how to make up for it. Every property buyer should make a reasonable plan according to the family's economic conditions when deciding his own consumption behavior, and should not blindly compare with others.

Third, misjudge the amount of loans that can be undertaken.

Many buyers choose loans to buy a house, but it is easy to ignore whether the loan amount has reached the limit they can bear. Property buyers should fully consider the family situation and make corresponding decisions, including family income and expenditure, health status of family members, emotional status of family members, career status of family members and so on. The monthly loan required by general banks accounts for 30%-50% of the monthly income.

In addition, if buyers buy second-hand houses, they need to make more budget for down payment, because the loan amount of second-hand houses is generally based on the evaluation price, which is often 80%~90% of the market price.

Fourth, I don't know all kinds of loan and repayment schemes.

There are three new types of loans, namely, commercial loans, provident fund loans and portfolio loans. If the buyer borrows money to buy a house, it needs to look at the local credit policy, which mainly includes: (1) whether the provident fund can be used; (2) loan interest rates of different banks; (3) the scope of the loan restriction policy.

Under normal circumstances, the down payment ratio of provident fund loans is low and the interest rate is low (currently 3.25% for more than five years), but there are many requirements, such as meeting a certain deposit period and low total amount. The benchmark interest rate of commercial loans is 4.9%, and the down payment ratio of cities is mostly 20~30%.

There are two main repayment methods: equal principal and interest repayment method and average capital. The average total interest on capital is low, and the monthly repayment amount is different and decreases month by month. Equal principal and interest, higher total interest and the same monthly repayment amount.

Fifth, the extra cost is underestimated.

The money to pay for buying a real estate is not only the house price, but also other expenses to be considered. The purchase of new houses needs to pay deed tax and house maintenance fund, and the purchase of second-hand houses needs to pay deed tax, individual income tax, agency fee and transaction fee. In addition, we should also prepare property management fees, relocation fees, acceptance report fees, heating fees, decoration fees and so on. Buying a house is to have a better quality of life, and you can't put all your money on the house. In addition to the fixed monthly expenditure, we should also consider reserving funds and medical funds.

(The above answers were published on 20 17-04-05. Please refer to the actual situation for the current purchase policy. )

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