Before buying a house, buyers can make a good budget, which can help them choose a more suitable house, so as not to waste money and increase buyers' nervousness. It is an indispensable part in the process of buying a house. However, some property buyers don't know what factors should be considered when making a budget. After buying a house, they found that the remaining savings in their hands were simply not enough to support future expenses, which led to a serious decline in the quality of life. So, what should the budget for buying a house do? Just take these seven steps!

The first step is to understand personal funds.

First of all, property buyers should calculate an account before buying a house, that is, personal funds, including deposits, wealth management, provident fund that families can use, and how much financial help they can get.

These conditions determine the price range that buyers can bear. If they are full-time buyers, they can choose real estate with the right price according to the amount of funds, while for loan buyers, they can effectively help them understand the pressure they can bear.

The second step is the comparison of regional housing prices.

The key factor to determine the house price is the location, and the house price in different regions will naturally be different. When choosing a suite in China and Italy, we should compare the house prices in this region, and then decide to choose a house in a certain region according to our own economic conditions.

The third step is the size of the affordable housing area.

When the buyer decides to buy real estate somewhere, the next step is to consider the room area and apartment type to be purchased. Because the price of commercial housing is often thousands or even tens of thousands of yuan per square meter, every square meter should be carefully calculated.

From the point of view of the number of housing units, we should choose according to the number of family members, housing use function and financial strength. Nowadays, people generally like rooms with "four big rooms and one small room", double bathrooms and double balconies, because such rooms are more suitable for people to live in, but to choose what kind of houses, we should first determine the total construction area of the houses.

The fourth step is to find out the property situation.

Once the commercial house is sold, the buyer will begin to bear all the expenses of the house, such as repair, water and electricity heating, elevator, security and so on. If these expenses are not considered enough, they will face embarrassment when buying a house. The beginning of this project is about several hundred yuan or even several thousand yuan per month, and the charging standards in different regions are also different. It is necessary to know the details before buying a house.

Step 5: repayment pressure.

The deposit in hand determines the amount of down payment, but the monthly payment after buying a house is also an arduous task every month. We should make a reasonable plan according to our own economic strength. Down payment and loan are a trade-off. In order to reduce the repayment pressure, it is necessary to increase the down payment ratio as much as possible. On the contrary, the lower the down payment ratio, the greater the repayment pressure in the future.

The sixth step is to estimate the decoration cost.

Many buyers have no money to decorate their houses after they have just bought them, because they have not made a budget before buying a house. In addition to large expenditures such as household appliances and furniture, there are other expenditures that need to be budgeted.

Step 7: Total taxes and fees paid.

In addition to the down payment, there are many taxes and fees, such as deed tax, stamp duty, house maintenance fee and property registration fee. These seemingly small expenses add up and you will find that they are not small expenses.

In short, the original intention of buying a house is to make our quality of life better, and we can't overdraw funds on a large scale because of buying a house, which will bring the pressure of life. We should know that in our daily life, besides food, clothing, housing and transportation, we should also reserve funds for education and medical care. Therefore, to make a good budget for buying a house, you need to choose which grade of house according to the actual situation.

(The above answers were published on 20 18-0 1-23. Please refer to the actual housing purchase restriction policy. )

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