Many friends around me have worked in first-tier cities and bought houses in their hometown or other cities. Two of them are worth telling you.
Character 1: Liu Xiao
This friend worked for less than two years and was born in 1990. She just bought a house with a loan last year. Liu Xiao's hometown is from Henan, and he stayed in Beijing with his girlfriend after graduating from graduate school the year before last. As for the reasons for coming to Beijing for development, apart from being close to home, he can cite more than 100: there are many job opportunities in Beijing, and the starting salary is high ... seriousness, diligence, hard work and exhaustion of all kinds of praise are not enough to describe this aspiring young man. But reality is reality, with high housing prices and no hukou. No amount of praise can change the house in Beijing. There is a rumor at my girlfriend's house: you can't get married until you buy a house. No way, since I can't afford it in Beijing, I'll go back to my hometown to buy it. Xiao Liu still has some brains. He chose Zhengzhou, the capital of his hometown. When it comes to the reasons for choosing Zhengzhou, Liu Xiao can make it very clear: Zhengzhou is the capital city of Henan, with a population of 100 million, and the urbanization rate of Henan is still relatively low. In the future, a large number of people will flood into the capital. Moreover, Zhengzhou, the national high-speed rail network currently under construction, is located in the center of the "M" high-speed rail, with superior geographical position and immeasurable urban prospects.
Boy, I'm still young and know a lot. For praise, Xiao Liu did not agree. He said that in order to buy a house, he consulted all the news about Zhengzhou's urban development, and from time to time browsed various forums and post bars for buying a house. Even when taking the subway, as soon as the person next to him talks about buying a house, he immediately pricks up his ears. In his words, the more information you can get, the better. The more you know, the more help you make a correct judgment when buying a house. However, last year's property market feast made Zhengzhou, where house prices have always been stable, go into the water. From May to August and September, in just two or three months, the average increase in real estate was only 3,000 yuan, and some even doubled! Now my hometown has shut Xiao Liu out. But Xiao Liu went to the battlefield with the determination not to give up until he reached his goal. Since you can't afford it in your hometown, you can buy it elsewhere. He turned his attention to the southern city of Chengdu. In Liu Xiao's view, if you want to speculate on real estate, compared with Zhengzhou, Chengdu has more concepts to speculate on: national central city, southwest central city, free trade zone, livable city, land of abundance ... He is worried about the outbreak of housing prices in Chengdu, and only saw two houses, so he booked a double subway school district. Although the mortgage pressure is not small, it has finally fulfilled a wish.
In the process of buying a house, Liu Xiao formulated several principles for himself: renting, selling, living, subway entrance and brand housing enterprises. Looking back, a friend who lost 50% in six years bought a shop in a small town with a registered population of only 1.7 million. Needless to say, the developer of the project seems to be not a big housing enterprise. Finally, although the shop is not unfinished, because the developer has not paid taxes, it is impossible to do the real estate license. And it is not difficult to see from his description that he didn't do his homework when he decided to buy a house. Almost no brand housing enterprises that can be rented, sold and lived have encountered it. He told his girlfriend directly: buy it if you look good. It is strange that the house does not depreciate. If you buy a house because you have spare money, then its investment attribute is greater than its residence attribute. You should consider the development of the city itself and pay attention to the balance between supply and demand in the market itself, instead of buying a house casually.
Character 2: Lu Tao
Next, this Lu Tao can be regarded as a model of diaosi counterattack. At that time, he didn't have a hukou, so he couldn't afford a house in Beijing. Finally, he skillfully used his savings of 1.5 million to live in a big house of 1.000 square meters in Beijing. In 20 13, Lu Tao bought a small two-bedroom apartment in Yanjiao with an average price of 9,000 yuan for a total price of 600,000 yuan, borrowed 50,000 yuan from a friend, paid the down payment with his own 6,543,800 yuan, and applied for a commercial loan for the rest. In this way, he lived a life of renting a house in Beijing on weekdays and staying in Yanjiao on weekends. By the beginning of 20 16, the house had appreciated to 800,000, and Lu Tao was also eligible to buy a house. Coincidentally, after several interest rate cuts, the mortgage interest rate can't be lower. Lu Xiao decided to sell the house in Yanjiao and buy a big house in Beijing. After the Spring Festival of 20 16, the double tax decreased. When looking at the house, Lu Tao found that the intermediary stores that were slightly deserted years ago gradually became lively, and many of them were housechangers. He is worried that Dajue will sell all the houses in Yanjiao soon after the New Deal. At the same time, he made intensive preparations for the house. In less than a week, he settled on a apartment of 143 in Changping, with a total price of 2.7 million. Just one week later, the house price of the same apartment near Beijing Dasanju rose by nearly 300,000 yuan, and that of Yanjiao rose by more than 654.38+10,000 yuan. The property market has started the "high fever mode", but this has nothing to do with Lu Tao, because he has got rid of the constraint of rising house prices on changing houses and successfully entered the ranks of "local tyrants".
Similar to Liu Xiao, in the process of buying a house, Lu Tao not only pays attention to regional development, location, apartment type and other factors, but also always emphasizes the purpose and policy impact of buying a house. In his words, buying a house is not purely because of "having spare money", but its purpose of living is greater than the purpose of investment. Finally, I still have to live by myself when I buy a house, but I just took a detour. Now you buy it in Yanjiao and then transfer it to Beijing. Friends who lost money, the investment purpose of buying a house is greater than the purpose of self-occupation, and they want to buy a shop and rent it out for old-age use. However, it ignores an important problem: the industrial structure of hometown is single, and its attraction to attract population inflows cannot last long. After all, I still don't know enough about the market.
Every Spring Festival, a group of "drifters" go back to their hometown to buy a house. A reporter made a survey. In the answer to "Why do you consider buying a house in your hometown", preserving and increasing value, asset allocation and fighting against currency depreciation are the three words mentioned most frequently by interviewees. When the house in my hometown will rise and how much the house price will rise, no one can say for sure. In the early days, a group of "house slaves" bought one or two houses in first-tier cities, realizing financial freedom, even breaking the legend of class solidification and inspiring one after another. It's just that the cost of buying a house in first-tier cities is getting higher and higher, and it's getting harder and harder to appreciate. People look to the second and third tier cities where their hometown is located. With the tightening of housing purchase policies in hot cities, cities have introduced or increased restrictions on purchases and loans, and buyers have to be alert to risk issues.
For example, in June last year, 5438+ 10, after Hefei introduced the property market restriction policy and credit tightening policy, the investment enthusiasm was like being poured cold water under the weight of the policy. 20 17, 1 month, and even some buyers complained on the website of the government service through train. House prices in Shushan District of Hefei plummeted 16%, and people's assets suffered a sharp decline. In 20 16, Hefei planned to supply 8,000 mu of commercial land, but the actual transaction amount was as high as 1 1055 mu, which was in sharp contrast to the land tightening in first-tier cities. With the rising cost of land price in some second-tier cities, the property market in these cities will also face investment risks. Because last year's property market fire overdrawn a lot of demand, coupled with the role of restricting purchases and loans, the future property market variables are still unknown.
In short, whether it is investment or self-occupation, buyers should have a comprehensive understanding of the market and policies, spend time on-the-spot investigation, pay more attention to the house price, location, quality, developer's information and brand reputation, contract samples and the floor, area, apartment type and supporting conditions of specific rooms, so as to know fairly well, make purchase judgments according to their own needs and economic conditions, and clearly understand consumption. Don't blindly follow the trend and buy a house in a daze, otherwise who will suffer?
(The above answers were published on 20 17-02- 13. Please refer to the actual situation for the current purchase policy. )
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