Since 2006, a new industry, housing agency, has appeared all over the country. To put it mildly, it is real estate speculation. Take my hometown Chongqing as an example. In 2006, my friend spent 50,000 yuan to buy a 100 square meter house in the downtown area. At that time, the most expensive building here only sold one square meter in 800 yuan, and the most expensive one was 1 1,000 square meter. At that time, there were high-rise buildings everywhere, but this year the house price has reached 11 thousand square meters. It is true that the more houses are built, the higher the house price. Is there really a big demand for housing? I don't think so!
Since 19, some people have lost their jobs or been unable to go to work due to the epidemic control. This year, Chongqing appeared. Many people failed to go to work, their income sources were cut off, and their mortgaged houses were foreclosed. Some people borrowed money for ten years, but their houses were taken away by the bank for auction. Because of the low price, their house was not only sold by the bank.
As a result, some people in mortgage to buy a house have loans ranging from 50 million to1million, and some even have mortgages for 30 years. Think about it. What irresistible accidents will happen in such a long time as 30 years? Who can predict? Just like this epidemic, how many people have lost their houses and are still in debt.
At present, all parts of the country have introduced preferential policies for buying houses, especially for first-time buyers, and major banks have also lowered mortgage interest rates many times. According to the current decline, if the mortgage 1 10,000, the mortgage time is 30 years, then it will cost more than 200 yuan per month than before the interest rate cut, but the bank is not a fool.
Why is the bank not a fool? Take my experience of buying a house for example. I mortgaged 100000,10 years. At that time, the mortgage contract stipulated the interest rate. A few years ago, because the bank loan interest rate increased, the bank played a trick of bullying customers, called me and sent me a message, asking me to go to the bank to change the mortgage repayment method to floating interest rate, that is to say.
The bank repeatedly urged me to ignore it, and then the bank sent a message saying that if I didn't take the initiative, it would automatically change to a floating interest rate repayment form. I just want to ask where is the spirit of perseverance? So under the current circumstances, although the bank has lowered the loan interest rate for buying a house a little, when you get on his boat, it will give you a repayment mode with floating interest rate, and the interest rate promised to be reduced now can be added to you in an instant.
Some suggestions on buying a house
First, is the job stable?
After the epidemic, many people lost their jobs, their houses were foreclosed, and eventually they were insolvent. Therefore, when you choose mortgage to buy a house, the first thing to consider is whether your job is stable enough and whether you can withstand the impact of unexpected situations. I think you can make the right choice after you understand this truth. The key is to consider how much impact your economic ability can bear when you are in mortgage to buy a house, and choose a suitable house purchase plan according to this idea.
Second, buy on demand.
It is best to buy according to your own demand for housing. If you have no demand for housing, it is recommended not to buy a house blindly. At present, there is obvious overcapacity in housing, so mortgage to buy a house is not recommended to invest in real estate. After all, buying a house is easy to get rid of!
Third, the bank's interest rate cut is just a promotional trick.
The reason why banks reduce the mortgage interest rate of buyers is only a means of promotion. Do you think they will keep lowering interest rates for you? You are wrong to think so. The most ridiculous thing is that someone published an article on the Internet, saying that the mortgage loan was 654.38+0 million yuan. After 30 years, this interest rate can be saved at around 70,000. I just want to tell him that you are so naive. I am afraid that after you sign the mortgage contract, you will be able to make a floating interest rate repayment model in the first half of the year, and you will be able to raise interest rates in an instant. Do you think the bank can do it?
It is only a short-term behavior for banks to reduce the interest rate of home loan. After you sign the mortgage loan contract, it won't be long before you make the interest rate into a floating rate repayment form. Therefore, when buying a house, you must consider your own economic ability and whether there is demand. As for the timing of buying a house, I don't think there is the best time. If you need to buy a house, you can buy it at any time.