With the successive implementation of various favorable policies, the property market transactions are rising rapidly, and home buyers are actively entering the market. It is worth noting that many home buyers are at a loss when faced with various loan methods. Which one is suitable for you? Industry insiders choose different home buying and loan options for people of different age groups.

Prospective newcomers take out loans to buy a house

Ms. Sun and her boyfriend both work for a decoration company, and their combined monthly income is about 10,000. They plan to get married at the end of this year. After discussing with their parents, the boyfriend decided to buy a house first and then get a marriage certificate. She and her boyfriend make regular provident fund payments every month. They plan to look at the house first and inquire about how to get a loan.

House-buying advice: Because both Ms. Sun and her boyfriend are ordinary office workers, it is best to first choose a place to buy a house in an area close to the subway or radiated by the subway. After the opening of various lines, the area chosen for house-buying will be It is also relatively large, so it is more suitable to choose an area along the subway near the work, which will save a lot of commuting time on the way to and from work. Since two people live there, the houses purchased should mainly be small.

Loan suggestion: If the house purchased by Ms. Sun and her boyfriend is a small one, based on their current economic situation, it is recommended that their monthly payment should not exceed one-third of their total monthly salary. , it is more appropriate to control the loan amount between 400,000 and 800,000, and it is the first time for two people to buy a house. Therefore, under the current loan policy, if it is the first time for a prospective newlywed to buy a house, it is more appropriate to use the provident fund or a combination loan, and the repayment The method can be free repayment, which is more suitable for prospective newcomers. If you do not have a marriage certificate, you can apply for pre-marital property notarization or have your spouse sign an agreement to avoid future property disputes.

Married families change houses after having a baby

Mr. Hua’s wife just gave birth to a baby recently. When he got married, he took out a loan to buy a small apartment, and now he has paid off the loan in advance. After having a child, he wants to change his apartment and bring his parents over to help take care of the child. Now he doesn't know if he should sell the house in his hand to raise the down payment for the second house, and he doesn't know how to get a loan. .

House buying advice: Mr. Hua is a second-time house changer. Considering that he will need to live with his wife, children, and parents in the future, it is more appropriate to buy a large three-bedroom apartment.

Loan suggestion: If Mr. Hua chooses a larger three-bedroom apartment, it is obviously more appropriate to use a commercial loan, and he has a house in his name that has already paid off the loan. He will buy a house based on his situation. It will still be counted as the first loan, and the interest rate will be discounted accordingly. Therefore, you don’t need to sell your existing house. You can rent out the house under your name and use the rent to pay off the future monthly loan payments.

“Hot Mom” takes out a loan to buy educational real estate

Ms. Zhu lives in a three-bedroom apartment with her husband. Her husband travels abroad on business all year round. Her daughter will go to elementary school next year. She wants to Purchase an educational property near Zhongguancun Primary School before my daughter goes to school. She and her lover now have more than 3 million yuan in savings. Recently, she has been looking at houses through an agency. She is a little anxious about what kind of educational real estate to buy and how to get a loan to buy Miss Zhu.

Suggestions for buying a house: Since Ms. Zhu’s husband in the case has been traveling abroad for a long time, she and her daughter *** basically live together, so the area of ????the house purchased does not need to be too large. If Ms. Zhu needs to buy a house, Visit the school to learn about the policy zoning area, and then choose a small two-bedroom house through an agent or a friend. Because educational real estate houses are older, you need to consider your age and other factors when buying a house loan.

Loan suggestion: Ms. Zhu and her husband have a deposit of more than 3 million. She can choose to use the deposit to buy a house in full, and then complete the subsequent purchase of a house through a supplementary mortgage loan. Many owners of educational real estate can also provide certain discounts to full-pay home buyers, and the general review cycle before buying a house will also delay a certain amount of time. Therefore, it is recommended that Ms. Zhu first buy the house in full, and then use the supplementary mortgage to repay the loan as the best option for buying a house. .

(The above answer was published on 2015-06-29, please refer to the actual current relevant home purchase policies)

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