First of all, let's analyze some characteristics of this group: just graduated, young, low working income, high expenses, difficult to save too much, relatively high quality of life requirements, rich spare time and so on. Under the requirements of these characteristics, we should pay attention to the following points when buying a house.
1, the house price cannot be too high.
Because of the limited economic conditions, it may be more suitable for young people to choose a low-priced house. There are not many deposits, and the down payment may depend on parents. Low housing prices will make the future repayment pressure not too great. Most young people are new to society, with low wages and high expenses. After all, they are in the rising stage of their jobs, and it is normal to invest heavily, so they can't be dragged down by mortgage loans.
You don't have to do it all at once.
After all, it is the first time to buy a house, and both experience and economy are lacking. The house you buy will be somewhat unsatisfactory. You can almost buy lots first, and you can buy smaller units first, so you don't have to wait for the school district for the time being. These can be improved when buying a house for the second time.
3. The choice of repayment method
At present, there are two main repayment methods, namely, equal principal and interest and average capital. The former has the same monthly repayment amount, but the total interest expenditure is more than the latter; The latter pays the most in the first month and pays less in the later period. But for young people, relatively speaking, the pressure of matching principal and interest will be less and more suitable.
4. About supporting requirements.
Many people understand that the more complete the package, the better. Admittedly, this is certain. But relatively speaking, the price will definitely be higher. Considering the cost performance and the actual situation, we regard demand as the first choice for matching. What do you mean? For young people, the demand of a cinema may be greater than that of a vegetable market, and a convenience store that can buy things 24 hours a day may be better than a large shopping mall.
5. Convenient transportation
I think life will be more comfortable if it is convenient to commute every day without too much explanation. The standard of convenient transportation is close to subway stations and bus stations.
Young people are increasingly becoming the main force in the army of buying houses. In fact, each group will have different attention problems when buying a house because of different needs. Remember, only buy the most suitable house.
(The above answers were published on 20 16-06- 14. Please refer to the actual situation for the current purchase policy. )
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