It is more cost-effective to buy a house for the first time.
Xiao Li is 26 years old and has worked in Guangzhou (real estate) for more than 2 years. At the beginning of this year, under the persuasion of his parents, he started a two-bedroom apartment of 88 square meters in Panyu Qifu New Village. The down payment and taxes add up to 300,000, and the monthly payment is about 4,000. But Xiao Li did not move to his own house, but lived in Chigang, Haizhu District. Of the monthly income of 5,500 yuan, 1 0,000 yuan is used for renting houses. He thinks it is unnecessary to spend too much money living alone in Guangzhou, and it is too far to pray and it is not convenient to go to work. "Supporting loans by renting" is more in line with his current economic situation: "If I live by myself, the cost of simple decoration and furniture purchase will be tens of thousands of yuan. I don't have that much savings now. I can save the money if I rent it. "
It is understood that the rent of the two-bedroom apartment in the old district of Qifu New Village is between1.600-2,000 yuan/month. According to the monthly calculation of 1.600 yuan, Xiao Li only needs to repay the mortgage of 2,400 yuan per month. His annual mortgage expenditure is about 48,000 yuan, and his rental income is about 20,000 yuan/year. After deducting the rent, he only needs 28 thousand yuan to repay the mortgage every year, and the pressure will be greatly reduced.
Suggestion: Pay attention to the second-tier hot plate. Chen Jingzhi, a financial analyst of a real estate company in Guangzhou, said that it is a good choice for those who just need to buy houses, especially when the total house price is 1 10,000-2 million yuan, the monthly payment is mostly between 4,000-7,500 yuan/month, and the rent is mostly between1.5,000-4,000 yuan/month depending on the location. Based on the 30-year commercial loan 1 10,000 yuan and the monthly payment of 37 15 yuan/month, the rent is 1.500 yuan/month, and the rental loan ratio is 40%. Under the same circumstances, wealth management products with higher investment returns, such as bank wealth management products, have the highest returns below 7 15%. However, the minimum annual rental income of rental and maintenance loans is about 6.5438+0.8 million yuan/year, excluding the value-added part of real estate. Therefore, for the first-time home buyers, it is a more suitable investment method to rent and raise loans.
Industry insiders suggest that young buyers who are interested in renting loans can focus on second-hand houses in "second-tier hot spots" such as Dongpu in Tianhe District, Shiqiao in Panyu District, Zhou Nan in Haizhu District and Airport Road. Compared with the surrounding sectors, the price of second-hand houses in these lots is lower, but the transportation is convenient, the supporting facilities are perfect, and tenants gather, which is more suitable for first-time home buyers to rent and raise loans.
Improved the annual income loss of buyers of "rent-based loans"
Some improved property buyers will use the rent of the idle first house to support the second house after buying the second house, and Ms. Zhang intends to do the same. At the beginning of this year, Ms. Zhang started a three-bedroom apartment in the first phase of Haizhu Roman Home, and the transaction price was 4.75 million yuan. Because the online signing was before the purchase restriction, the first loan had been settled. At that time, the mortgage formalities were handled, with a down payment of 30%, a commercial loan of 70%, a down payment of 654.38+0.42 million yuan, and a monthly payment of about 265.438+0.760 yuan. At present, Ms. Zhang and her husband have a monthly income of about 50,000, and the monthly supply pressure is not great. The reason for buying two sets is that Ms. Zhang plans to have a second child, and a small three-bedroom apartment in Lijiang Garden where she lives can't meet the needs of two children in the future.
Suggestion: Choose the property in the central area. It is understood that the current monthly rent for a three-bedroom apartment in Lijiang Garden is about 2800 ~ 3200 yuan. For Ms. Li, this rental income is just a drop in the bucket. According to the current market price, the price of her three-bedroom apartment is 654.38+0.85 million yuan. If she sells this property and invests in wealth management products, the annual income is about 92,500 yuan, but now it is 3,500 yuan.
Li Chao, a senior analyst of second-hand housing in Guangzhou, a real estate company, suggested that improved buyers can choose to sell the first set of real estate investment and wealth management products when the monthly supply pressure is small, and the annual rate of return is high, especially after the purchase restriction, the overall second-hand housing market in Guangzhou tends to be stable, and investment and wealth management is a better choice for asset appreciation. He also suggested that if buyers just want to rent a house and provide loans, they must make proper planning on the lot and choose an area with convenient transportation in the central area, because its supporting facilities and infrastructure are more perfect, the demand is large, and the vacancy rate will be lower.