2. Grasp the monthly changes: Some property buyers think that as long as the loan is used to buy a house, it will be difficult for the monthly monthly payment to change every month. Actually, it is not. No matter whether you repay with equal principal or with equal principal and interest, as long as the benchmark loan interest rate changes, your monthly payment will also change, because in general, mortgage interest is a multiple of the benchmark loan interest rate.
3. Do a good job in financial forecasting: Before the buyers borrow money to buy a house, you must do a good job in financial forecasting and consider it for a long time. For example, including how much down payment, how much monthly repayment, and how much monthly transaction, only by making a good financial forecast can we better allocate assets and complete greater utilization of assets.
4. Take care of family expenses: It is not easy to repay the loan, let alone pay it off at once. After all, it is estimated that it will take decades. However, although some property buyers apparently meet the demand that the monthly payment does not exceed twice the monthly income, the household expenditure is extremely huge. For example, the monthly treatment fee for the elderly is deducted from the monthly income, so the monthly mortgage payment may be unbearable.
If you want to live in a good house, do you know these skills in choosing a house? 1. What should I pay attention to when choosing the floor?
Advantages: convenient access, if you can bring a garden, grow flowers and vegetables, leisurely; If you can also install the villa basement, it is simply another indoor space to use. Even as a storage room, it can store many daily necessities.
Defects: Defects cannot be ignored. The key lies in the poor lighting and ventilation effect, and secondly, the privacy is not very good; And mosquitoes and the like are helpless; If you walk in the street, the noise can't be ignored. In addition, low-lying areas are easy to be flooded if they encounter rainy season. On a comprehensive basis, if there are old people or small pets at home, in order to better choose the floor; If young people settle down by themselves, it is not recommended to choose the first floor.
2. What is the experience of living on the second floor?
The lighting on the second floor is similar to that on the first floor, which is really not so good. Because the drainage pipes on the first floor are set independently, in most cases, the second floor undertakes the drainage pipes on all floors of all modules. Once the sewer pipe is blocked, the residents on the second floor will be miserable. Therefore, economic development conditions do not allow, try to avoid the second floor.