For investment and wealth management products, real estate investment is more about preserving and increasing value, so the risk is much smaller than other investment products such as stocks and bonds, and the risk control is relatively easy. Experts pointed out that when investing in real estate, we should pay attention to what kind of expenditure level there is. No matter how good the lender's current family financial situation is, if he can't make some plans in advance, he may still not reach the real "financial freedom" realm. 1. Determine the investment strategy. Some properties are easy to rent, but there is not much appreciation potential, while others are just the opposite. Therefore, before deciding to invest, we must determine the investment strategy. We should estimate what kind of income the invested property will bring. To this end, we can study the past appreciation and potential rental prospects of real estate. When the strategy is decided, then choose the investment target. Investors who pay attention to spreads are more important in timing than those who pay attention to rental income. If you want to use the rental income of investment real estate as the source of retirement funds, it is very important to maintain a stable rental income. Compared with whether it is easy to rent out, it is not important whether there will be a big increase in the short term. 2. Judging the investment prospects If you want to invest in a house, you need to consider many factors, such as the type of house, location, loan, mortgaged property, tax issues, house maintenance, etc. However, when investing in real estate, we should realize that it is for commercial purposes. So don't buy according to your own preferences, buy according to the investment prospects. In lots, we should pay attention to buildings in different lots such as urban areas, suburbs or suburbs. Although the supply of urban real estate is limited and the price is high, even if the real estate market is depressed, it is not easy to fall. From the type point of view, the upsurge is rising, and the investment auction is sold as soon as it is handed over, regardless of the rent problem; When the economy is flat, invest in the existing house, rent it for a period of time, maintain a certain investment income, and wait for a better opportunity to change hands; During the economic downturn, the second-hand houses with good investment locations but low prices, whether rented or resold after renovation, have certain market demand and reasonable profits. 3. Seeking professional service investment requires your own judgment, but you should also be good at using professionals. For example, when negotiating prices with sellers, professional negotiation skills can help you save money, and professional real estate agents can save you from worrying about tenants. 4. Determining the loan method Finding a suitable loan supplier is as important as choosing real estate. For real estate investors with Bo spread, they can use short-term mortgage loans with lower interest rates; For long-term investors, the rental income is higher than the monthly mortgage payment, which is a necessary condition for investment. With the gradual liberalization of the national loan interest rate, some joint-stock banks have greater flexibility in the sources of short-term funds, interest rates and quotas, so investors should make more comparisons. 5. Buying home insurance is particularly important for the owner of the rented house. Landlords are obliged to provide residential security and purchase home insurance. In the event of an accident, economic losses can be recovered and investment returns can be guaranteed. Under normal circumstances, the owner can take out fire insurance or comprehensive liability insurance at home. I often hear people say that the average price has dropped because of the increase of certain types of houses, which does not mean that the house price has really dropped. People who hold this view only talk about the surface of the problem, but ignore the real connotation reflected by the average price. The increase of a certain type of houses represents the market demand and reflects the government's policy orientation. There are many cheap houses, and the high-priced houses will definitely be affected first. Real estate investment, like other investments, should not think that it can touch the bottom line of market prices. If it is not for urgent needs, it is better to wait and see with money when house prices are falling all the way. I'd rather not buy the lowest price when the market starts to rise, and I don't have the psychology of bargain hunting. To make money, the real estate market, like other markets, is sometimes good at "seizing opportunities". If you can engage in "internal subscription" for the real estate agent who has completed the building, it will be cheap because the formalities are not finished. Would you like to have a try? A house has a pre-sale permit, but the land use certificate has not been issued yet. Dare you buy it? At the same time, learn to buy expectations, such as knowing which convenient road to build or where it will be adjacent to the subway station. We shouldn't wait until the house is built, but it's better to buy it before construction. Different businessmen have different marketing methods, and an expensive house is not necessarily a good house. Some developers want small profits but quick turnover to occupy the market through price competition, while others set a higher price, thinking that selling 50% can achieve the effect of selling 90% through small profits but quick turnover, and would rather sell 50%. Therefore, when buyers choose to buy a house, if it is "not the best, but the cheapest", the lowest price will be more resistant to falling among houses with similar quality in the same region. The slogan of "buying a house is buying a life" has been publicized for many years. Some experts even advocate buying a small community, thinking that a small community can better show personality, but I think buying a house is buying a house. The larger the community, the lower the use and maintenance costs. Because buying a house does not mean that you can enjoy all the facilities and services in the community for free. Clubs and underground garages cost money when you use them; The more luxurious the lobby, the more public facilities, the more you pay; The fewer residents in a building, the more you pay for the elevator. Buying a house cannot ignore the cost of raising a house. Because people's herd mentality and habit of following the trend will make a real estate or a certain area more and more popular and the price will become more and more expensive. If it is expensive to a certain extent, be careful not to be "trapped" by real estate! After all, it can't be prosperous forever. So I want to tell my friends who buy a house and live in it that meeting their own needs is the best house. Before buying a house, set your own goals, compare and see more, but after moving in, don't compare and don't care. Psychological balance is more important than any material enjoyment. ? 7? 4 mood music: random thoughts on the peninsula? 7? 4 Su cuisine-Jiangsu beef jerky? 7? 4 Install the door or the floor first?