Is it appropriate to buy an apartment with pre-marital property? Nowadays, many women are very independent. For their own life, they will choose to buy a suite for themselves, and the apartment is the most important thing. After all, housing is too expensive to buy, and apartments are affordable. So is it appropriate to buy an apartment with pre-marital property?

Is it appropriate to buy an apartment with pre-marital property? 1 Let me talk about my personal opinion first, which is not recommended.

There are two reasons. One is that the apartment products in the current real estate market cannot maintain and increase their value. Another reason is that it will affect your precious first-time purchase quota.

Apartment products are not the best choice for the real estate market.

Let's talk about small-sized products first. At present, apartments in Hefei market are divided into 40-year property rights and 70-year property rights, most of which are small-sized apartments with 40-year property rights, and many of them are packaged into LOFT for sale. Exquisite design has also attracted the favor of many women.

But this product is actually not a house, but a business, so it has many shortcomings. For example, the cost of industrial water and electricity is high, so it cannot be settled. In the future, children have no place to go to school, and many products are not connected to natural gas, public swimming pools and so on.

Now, for 40-year-old property apartments, Hefei stipulates that such products cannot be promoted as houses. In fact, it also tells you in disguise that this product is not suitable for self-occupation and is not easy to sell after buying it. The interest rate and tax cost of buying and selling are high. Buying a 40-year-old property apartment is equivalent to donating money to the developer. Don't touch this product.

The other is a 70-year-old small apartment. This product is a small-sized house, which can be settled, and children can have multiple places to go to school. The rights and interests are exactly the same as ordinary houses on the market.

In the early years, it was really a good choice to buy a small apartment with a better school. But now, in order to reduce the cost of raising children, school district housing has become the focus of attention. Once the housing is decoupled from enrollment, such small huxing will also depreciate.

As far as the Yihe depression, which was opened before, the number of people who initially signed up for the lottery was twice that of the housing. As a result, as soon as the lottery was triggered, the house was restricted for three years, and 30% people immediately gave up choosing a house, and they were not optimistic about the long-term holding of such products. Therefore, small-sized products are actually not high-quality assets in the current market.

Buying an apartment just to buy a house will use up precious qualifications.

The other is the issue of the number of places to buy a house. The number of places that Hefei just needs to buy a house is particularly precious. Not only can you buy a house with a low down payment (30%), but the probability of lottery is much higher than that of ordinary buyers. Take Xinglan Bay in Baohe District as an example, the threshold is 1.6 million, but the threshold is only 800,000, which is twice as bad.

In addition, you sold a small apartment before, and even if you sold it later, you still have a loan record. The mortgage interest rate of buying a house is still calculated according to the second suite, and the cost will be higher than that of the first suite.

Many girls choose to buy real estate before marriage, mainly to give themselves a sense of security. If you really have financial strength, my personal suggestion is to give priority to buying ordinary commercial housing products, make full use of your first suite qualification, and maximize benefits.

If you don't have the financial strength to buy a house independently, you can also consider a joint venture with your boyfriend. In particular, your boyfriend may not have high financial strength and can only buy new stations and Yaohai and other areas. If you help with the down payment, you can enter the lakeside. Even after divorce, the value of buying a small apartment before buying is higher than when buying it.

It should be noted that the source of down payment should be clear when buying a house with your partner. When paying, the bank cards of both parties should be swiped separately. Don't transfer it to your boyfriend in advance and pay together, so that you can clearly prove that the purchase price is part of your payment.

Is it appropriate to buy an apartment with pre-marital property? Is it wisest for a woman to buy a house before marriage?

When I meet a suitable apartment, I personally think I can buy it.

First of all, don't buy a house before marriage, but rent a house anyway, and rent is also an expense. Instead of paying rent to the landlord, it is better to buy an apartment for the month, which is an asset anyway.

Secondly, even if you can't live in your own apartment after marriage, you can rent it out, and rent is also a kind of non-income.

Thirdly, for many first-and second-tier cities, the cost-effective apartment itself has a certain appreciation space, which is also a return on investment.

Is it reliable to buy an apartment for the elderly?

Apartment includes residential apartment and commercial apartment. Residential apartments and ordinary houses enjoy 70 years of property rights, and the charging standards of water, electricity and property management fees are the same as those of ordinary houses after occupancy.

Commercial apartments, like commercial houses, have only 50 years of property rights, and the charging standards of water, electricity and property management fees after occupancy are the same as those of commercial houses, which are much higher than those of ordinary residents.

In other words, commercial apartments not only have short property rights, but also have high later costs. Neither apartment can have a gas pipeline to provide gas. If this is clear, it is not impossible to buy an apartment for the elderly.

Why did you choose an apartment?

1, single apartment sparrows are small and complete, which can meet personal needs, with a series of facilities such as kitchen and bathroom, and the living environment is very good.

2. The high housing price or down payment and the psychology that China people generally want to buy a house, living in a big house is not as good as renting a house, and at least the area of their single apartment is small, so it is a good choice for your family to generally enjoy down payment.

Is it appropriate to buy an apartment with pre-marital property? Nowadays, young people get married later and later. Many girls, after working for two or three years, gradually have some savings, and then there will be a need for financial management; If the ability is strong or the opportunity is good, there may be hundreds of thousands, so it is possible to buy a house before marriage. Deposit in the bank or Alipay, the interest is too low;

Stocks or equity funds are risky, not only may not make money, but also may lose money; Like futures, foreign exchange, gold and so on. Strong professionalism and high risk; Buying a house is a relatively good choice.

However, when looking at the house, I often encounter the sales promotion of the apartment. The price of the apartment is not high, and the down payment of 20,000 to 30,000 yuan is enough; After paying the house, you can live by yourself without paying the rent; Or rent it out to get more income; The house can also increase in value, which is higher than the money put in the bank or Alipay.

At the same time, it will not affect your own purchase and mortgage quota, and you can buy a big house with your husband in the future; Some of them are designed as attics. Buy one floor and get two floors. The model room also looks very fashionable. Apartment sounds like a lot of benefits, but I still don't recommend girls to buy their own apartment before they get married.

Although the apartment is advertised as a low down payment, it is actually a down payment in installments. The real down payment of the apartment is half of the total house price, and the remaining down payment has to be made up. The pressure is not small.

More importantly, when the apartment is re-traded, the taxes and fees are high and it is difficult to sell it. Even if it is sold, it will not only have a price difference, but also be cheaper than when it was bought. If the rental is not smooth, there will be no income. Simply put, buying an apartment is hitting your hand.

Then, before getting married, girls should distribute pre-marital property or buy a house with 70-year property rights. In addition, there are some other issues to consider.

If a girl asks the man to have his own house before marriage and thinks that he doesn't have a house, it means that she is not strong enough to give herself a sense of security, or doesn't care that the man doesn't have a house, and even accepts that the man lives in his own house.

Then you don't have to think about buying a house and the number of loans in the future. The demand for house purchase is convenient for self-occupation. Then you can buy a new house. The new house is new and more valuable than the second-hand house. The bigger the area, the better.

If it doesn't matter whether the man has a house or not, he can buy a house with the man in the future, or write his name on the man's house in the future, then you need to consider the number of places to buy a house. Buying a house now is an expedient measure, and it should sell well in the future. Then consider second-hand housing, convenient transportation and good schools are also important.

Girls generally have limited funds and often choose small apartments. At present, the proportion of small apartments in new houses is small, even if there is one, it is basically above 60 square meters; In second-hand houses, there are more choices of 30-40 flats, and the price is cheaper than that of new houses. But when choosing a second-hand house, we should pay attention to the age of the house. Be cautious if the age is greater than 15, and not consider if the age is greater than 20.