Buying a house is not like buying a bag. Even if luxury bags are expensive, there is an approximate price. The price will not be the same today, and it will be difficult to save money tomorrow, but this is the case with houses, especially in first-tier cities. You are in a trance, and the house price has risen over your income for one year. How many people feel that after just a few days of attention, they need to pay attention for a few more years.
If you want to buy a suitable house or make an investment at the most suitable time, you should do the following:
1, define your future life direction.
Mr. Z works in a listed company. It stands to reason that his colleagues around him have high salaries and good conditions and should all stay in Beijing. However, many of these people began to complain about the high housing prices in Beijing as soon as they entered the company, thinking about the way out every day. So when others pay attention to the trend of housing prices, this group of people are paying attention to the information of civil servants in their hometown, and unfortunately missed the best time to buy a house. After a few years, they can only feel that house prices have gone up again and have to really go back to their hometown.
Beijing's housing prices are high, and many outsiders say that only the middle class can afford it, and houses that no one buys will definitely be reduced in price. But what about the facts? People who really want to stay in Beijing will set a clear goal for themselves, specifically, to realize their dream of taking root in Beijing, and then work hard to achieve it. Then you will see that people who work hard blindly fail in the end, and those who have plans and goals unexpectedly buy houses and settle down in the end. The advantage of big cities is unlimited opportunities. If you think you can, you can. Don't forget, conditions are created by people.
2, when the monthly salary is 2000, you should pay attention to the real estate, otherwise you can't afford a house with a monthly salary of 20000.
Is the housing price in Beijing sky-high? I used to think so, too, until one day I took my bank card to pay the down payment for the first suite in Beijing. If you have ever seen a house and left a phone number for a real estate agent, your information will be sold without accident. Next, you will naturally receive calls from various real estate agents: "Is Langfang Peacock City considering it? Want to buy a Tianjin hukou? Do you want a six-ring villa? "
Yes, why not! It is inevitable that personal information will be sold, so don't get bored. Don't hang up immediately when you get a phone call asking about your purchase intention. Talk to the sales staff. You can also learn about the market when he completes the telemarketing task. For example, I recently learned that the price of Xianghe rose to 14000, Dachang 18000, and the lowest price of the villa where Teacher Degang Guo lived was 5 million.
Just because you can't afford it today doesn't mean you can't afford it tomorrow. The same is true of villas. There is no harm in knowing more about the direction of real estate. Understand the trend of surrounding real estate, according to the new policy, you can probably have your own judgment. When others are still wondering whether the real estate bubble is true or not, you have invested in real estate that will definitely increase in value at a low price. In first-tier cities, nothing can be slow, including making decisions.
3. Understand the loan policy in real time.
I pay attention to People's Daily, the official account of WeChat, because it will release the new loan policy in time. For example, withdraw the provident fund and simplify the process. For example, starting next year at the latest, the interest on real estate can be deducted from the tax. In China, real estate is similar to stocks, so it is very important to be well informed. Many people don't pay much attention to their provident fund, do they? But in fact, there are still many sleeping RMB in your provident fund account. How can you allow your money to sleep when you work so hard for your life? Pulling up and making money is king!
4, when the real estate can't reach one step, it is better to save the country than the curve.
The whole Beijing knows that the government will move to Tongzhou, so the price of Tongzhou has jumped from 3w in the previous year to 5W+ now. When the news first came out, we were not qualified to buy a house in Beijing, so we chose curve investment and bought a set on the other side of Chaobai River in Tongzhou. You all know what happened afterwards. The real estate economy will never only benefit from one piece, but will be involved.
The down payment that was originally out of reach was over one million, and only one-fifth of it was settled. In my hometown, you must be choosy about buying a house. The top floor is too hot, the view on the bottom floor is not good, and the middle floor should avoid the gray layer. In Beijing? Stop joking. Do it as soon as possible if it is suitable, especially in the early transitional housing, such as the small apartment we bought, which is positioned as a transitional housing. We will sell or rent them in the future. It doesn't matter whether it is small or not, as long as it meets the current demand. After all, no one will live here forever.
20 15 years, in addition to buying a house around Beijing, I also urged my girlfriends to buy it. I pushed it from the beginning of the year to the end of the year, and she finally bought it. In a year, house prices have nearly doubled. She regretted not listening to me and bought it early. Looking back this year, it was not too late, because the house price doubled.
To work hard in first-tier cities, we must work hard with goals and pay attention to local real estate information. It's okay to rent for a lifetime, but I'm still in favor of buying my own house if I want to settle down. After all, after having a child, I don't want him to scribble on the wall and be scolded by the landlord. And I can hang all kinds of decorative paintings I like on the wall. For me, the house is a sense of security and one of the necessary factors for a carefree life.
May you always be in my story. Wechat WeChat official account Qing Xin Lan Tian