If it is a one-time payment to buy a house, it goes without saying; If you buy a house with a loan, you should evaluate your repayment ability, that is, the monthly payment should not exceed 50% (preferably 30%) of the family income.
Property buyers should fully estimate their economic strength before buying a house, and the monthly payment generally does not exceed 50% of the family's monthly income.
Purchasing power evaluation is to comprehensively consider many factors such as one's income, expenditure, house price in the region, and calculate the total price and average price of one's own house at this stage through the purchasing power evaluation calculator, so as to guide buyers to purchase houses rationally.
First, the psychological preparation before buying a house 1, and be psychologically prepared for the real estate price.
Before buying a house, you need to be psychologically prepared for the real estate price from two aspects.
First of all, what is the total house price you can afford? According to this total price, you can convert the average price and area of the house you have the ability to generate the corresponding combination.
For example, if the total price you can afford is 400,000 yuan, then you can buy a house with an average price of 4,000 yuan/square meter and an area of 100 square meter; It can also be 5000 yuan/square meter, 80 square meters of housing and so on.
Real estate prices vary greatly in different regions, so this calculation helps you to judge where to buy a house and the purchase area of the house.
Secondly, we should be prepared for the rise or fall of house prices.
Many buyers hope that the property will appreciate in the future when buying a house.
This should also be judged from two aspects.
(1) If you live by yourself, you should consider the situation of the house itself and your own solvency. At the same level, priority should be given to the factors that affect the appreciation of housing prices, such as location, supporting facilities and future development prospects of the region.
(2) If it is investment or self-occupation and investment, it is suggested to give priority to the location and environment of the property and the attributes of the property itself (that is, whether it is an easy-to-rent or leased property type).
At the same time, because the current national policy is biased towards real estate investment, it is best to calculate the business tax and other expenses that need to be paid before buying a new house.
Finally, the real estate price is greatly influenced by external factors. Even if the overall price rises, it does not rule out that individual properties will fall.
Therefore, consumers must put their minds right before buying a house.
2. Be psychologically prepared for the purchase area.
After the first step of price preparation, you will have a general judgment on the purchase area suitable for your ability to pay.
The next step is how to choose the purchase area.
Choosing a house is generally a way of life.
Which lifestyle suits you can be judged from your living area and habits over the years, and you can also experience it in different areas.
From a small point of view, if you don't want your life to change too much because of buying a house, you should consider the traffic conditions between the real estate and your spouse's work unit, including public transportation system, road conditions and distance.
If there are children, educational facilities should also be considered in place.
3. Be psychologically prepared for your repayment ability.
If you are going to make a one-time payment, you'd better prepare some family emergency funds.
If you decide to take out a loan, you need to make arrangements for your life after the loan.
Since the loan is a fixed cost of living, you are required to have a relatively stable job and income source.
At the same time, due to the increase in loan expenditure, it will inevitably have an impact on the previous financial planning. Therefore, before buying a house, we should make a new family income and expenditure plan to avoid the impact on daily life after buying a house.
According to financial advice, housing loans should account for less than 30% of the total family income, otherwise it will affect the quality of life.
4. Be prepared for the risk of buying a house.
Because the current legal system is not perfect, the real estate market is not standardized.
Buying a house is a very complicated process. In this process, property buyers naturally have to bear certain risks, which are largely caused by the "unfinished" nature of commercial housing.
Because most of the houses sold by developers are faster, buyers can only rely on the introduction of sales staff, a piece of land and design drawings to decide whether or not.
Therefore, there may be advertising fraud, incomplete sales procedures, housing quality problems, inconsistent area, breach of contract by developers, violation of planning and so on.
If you encounter such a problem, you can call the local real estate administration to make a complaint.
5. Pay attention to the local purchase policy. The policies of buying houses and entering households vary greatly from place to place, so buyers need to pay special attention.
Second, the preparation of funds before buying a house is a major event, which is related to the life of individuals and families for several years or even decades. Therefore, it is very important to prepare funds before buying a house.
As mentioned in the psychological preparation, "house price" is an important part of fund preparation before buying a house, but it needs to be clear that the cost involved in buying a house is not just house price. If we only pay attention to the house price and ignore other issues before buying a house, it will often lead to the cost overrun of the whole house purchase budget, and even reach the embarrassing situation that we can afford it but can't afford it.
Therefore, before buying a house, it is necessary to make a detailed purchase fund plan, which mainly includes the following contents: 1. One-time payment or loan. If you pay in one lump sum, you will pay in full when you buy a house.
If you are eligible for a loan to buy a house, the biggest upfront expenditure is the down payment.
Therefore, we must calculate the funds available in our hands, not only to ensure that there are enough funds to pay the down payment, but also to ensure that the daily living expenses are not affected.
From June 27, 2008 to June 27, 2008, the lower limit of the interest rate of the first set of ordinary self-occupied housing and improved ordinary self-occupied housing commercial loans by financial institutions can be expanded to 0.7 times of the benchmark interest rate of loans, and the minimum down payment ratio can be adjusted to 20%.
If you use provident fund loans, you should pay attention to the latest policies of local provident fund loans.
2, a fixed amount of monthly loan principal Many buyers do not pay attention to the "family income certificate" required by the bank, and often open more monthly income to borrow more.
However, once the repayment is started, the buyers will find it difficult to repay, and the quality of life may be affected, or even the loan will not be paid. No matter what the final result is, the responsibility can only be borne by the buyers themselves.
Therefore, buyers should remember that the monthly repayment amount should be within 30% of the family's monthly income, and choose the repayment method that suits them (mainly the monthly repayment amount and repayment cycle).
It is suggested that buyers can go to the bank of this city to consult the mortgage service.
3. Various taxes and fees According to regulations, different taxes and fees need to be paid when buying a house, including deed tax, public maintenance fund, property management fee, initial installation fee, area compensation fee and other miscellaneous fees.
The new policy has been implemented in various places. Take Yichang as an example. In February 2009, the new policy adjusted the house purchase tax: for individuals with a housing area of 90 square meters or less, the deed tax rate was temporarily lowered to1%; For individuals who own second-hand housing of more than 90 square meters, the deed tax rate will be temporarily lowered to 2%.
The payment standard of special maintenance funds for commercial housing before June 5438+February 3, 20091is temporarily implemented according to 1.5% of the total purchase price.
Personal ordinary housing for more than 2 years before June 65438+February 3, 20091shall be exempted from business tax; If an individual's ordinary housing is less than 2 years old, business tax shall be levied according to the difference between his income and the original price of the housing.
Individuals who have occupied their own houses for 2 years and are the only houses in the family are exempt from personal income tax.
Taxpayers who own the only housing and re-purchase the housing at the market price within 2 years after the current housing, depending on the value of their re-purchase, may be exempted from the personal income tax payable on their current housing in whole or in part.
Personal sales or housing are temporarily exempt from stamp duty, and personal sales of housing are temporarily exempt from land value-added tax.