Wang boqing
With the implementation of housing reform in Chinese mainland, many urban residents who used to eat imperial grain began to pay the house price. On the other side of the ocean, American urban residents have been buying and repairing houses with their own money, just like farmers in China. When I first came to study in the United States, I, a poor student sponsored by the university, had to rent a house to live in. After paying the rent every month, the poor thousand dollars stopped for three times, and the rest of the money was used to support a family of three and raise a broken car. Although I am not poor, I am a little poor. At that time, whoever asked me to join the Red Guards of the Peasant Association, cut rent and interest, and divide fields, I, a poor man, must be the first to kill him and put his property in the arms of a poor middle peasant in China, so that the rent saved can be eaten and drunk.
How many times have you played? Unfortunately, this American imperialism is "a long night."
Finding a job and buying a house after graduation is the top priority for getting married and raising children. In this vast and sparsely populated rich country, owning a garden building is a dream that most families can realize if they have a stable job. I have an old classmate who works in France. His annual salary is100000 dollars. His wife works for Air France. He said he could only afford an apartment. Western Europe is vast and sparsely populated, so it is not easy to live in Japan. Blessed are Americans.
Buying a house is also to live comfortably. Didn't going to capitalism in those days mean "upstairs and downstairs, lights and telephones"? Of course, if it is just for comfort, renting a small building will not be much more than the monthly house payment plus exorbitant taxes, and there are still many economic benefits from buying a house.
First of all, according to the current tax system in the United States, the interest you pay for the house loan is tax-free. The United States has a progressive tax system. For a family with high annual income and strong family planning awareness, it saves 20% or even more tax.
Therefore, in order to increase the tax allowance, experts always advise you to use your loan amount to buy a good house. The loan amount can generally reach more than three times the annual pre-tax income of the family. However, the loan is almost over, and you are very nervous. You have to spend money to decorate the room. I know a man in San Diego, California, who tried his best to get a loan, paid the down payment, bought a mansion and ran out of ammunition. At one time, people's daily overseas edition was posted on the windows, which surprised neighbors who didn't know Chinese for a long time. They just couldn't understand the charm of this new type of window paper.
Another advantage of buying a house is the appreciation of the house. Rising prices will drive up house prices. In addition, economic and population growth will also push up housing prices. A region can introduce everything, such as talents and capital, but it is impossible to introduce the local area. In areas with rapid economic growth, the employed population and wages have also increased rapidly, and house prices have also risen rapidly. For example, the housing prices in Silicon Valley and Seattle in California have all increased by more than 10% in recent years, which is equivalent to the long-term income of securities investment.
Suppose your house appreciates by 5% every year on average, your loan interest rate will change from 7% to 2%, which is lower than the interest rate of your long-term deposit in the bank. At this time, you are using people's money for your own personal gain. Tax reduction and value-added, more in and less out, fattening the landlord and losing the tenant. A neighbor who cherishes money said that buying a house has another advantage. If you want to hammer a few nails into the wall, hammer a few. Really? Fingers connected, brother.
Brother, that hammer may break not only the wall, but also your love for money.
After talking a lot about the benefits of buying a house, I should be an activist? No, I have been working for several years, and I am happy to support others, but I don't want to start my own business. I haven't said a word yet. One of the biggest disadvantages of buying a house is that it is not easy to live in a different place. Generally speaking, if you buy a house and sell it within three years, you will lose money if you exclude the cost of buying and selling.
Therefore, before buying a house, you should think about it and not plan to change places for several years. For Americans, it is best not to change wives and husbands. I don't like being tied down by lots, so I have no intention of buying a house. Watching my comrades buy houses one by one and degenerate into landlords, landlords and revolutionary objects, I also tried my best to stay in the ranks of the proletariat.
Finally, my wife didn't want to accompany me to travel around the rivers and lakes, so she moved in and bought me a house. I am also very sad that I have a lot of money to the IRS every year, so I am also very moved to buy a house. "After the political line is determined, cadres are the decisive factor." My wife is in charge of housing selection, and I am in charge of loans and procedures.
The first thing is to ask the real estate agent. Although the buyer does not give the agent a rebate, the wool is on the sheep and the seller will get it back at the selling price. So some buyers are willing to deal directly with sellers, and buyers and sellers can share the 6% rebate that should be paid to middlemen. Afraid of trouble, buying a house for the first time. I have an agent to take me once, so as not to suffer a dark loss.
First of all, according to their own economic ability to determine the price: the amount of cash on hand to pay the down payment, loan ability. After all, real estate is an investment, which depends on your reasonable expectation of investment income and your preference for taking risks. If you are optimistic about the stock market and are willing to take risks, you want to invest more money in the stock market and don't want to spend too much money on real estate. So it is difficult to judge whether buying a house is good or bad, and the renter may be hiding fat beads.
Secondly, according to the quality, safety and scenery of the school district, it is convenient to lock the above position and then choose a house.
The real estate market I was in was a buyer's market at that time. Too many new houses have been built, but not many buyers. It took half a year for a house to go on sale, so you can choose it slowly. My wife graduated from the Department of Architecture. Although the houses in the United States are so good, she still chose for half a year and looked at dozens of houses, but she was still not satisfied. It seems that it was not so difficult to choose a husband.
The agent is also very patient. One day, he called his wife and said that he had another house to sell. His wife was discouraged and didn't want to see it. With my encouragement, she went. The result was love at first sight. I also went to see it. It's good. The more I watch it, the more I like it. The room design is reasonable, and I have everything I want.
The living room has a high roof and good lighting. The stairs in the hall go up, and there are corridors and a row of wooden fences upstairs, which is exactly what I yearn for. There is an office downstairs, which is called "listening to the rain". In the rainy Seattle area, it is impossible not to listen to the rain.
After 78 years of operation by the original owner, a back garden as big as Lanting surrounded by wooden fences has become lush with flowers and trees. I want to buy a new old house in 1978, in order to plant trees for future generations to enjoy the cool. There is a well-equipped children's garden in the garden, which my daughter likes very much; There is also a small vegetable garden, which just gives my wife a wide world and does a lot of things.
Of course, the kitchen is the most satisfying thing for my wife. There is an American proverb: "The kitchen is the heart of the house." (The kitchen is the heart of home), and the teachers' "gentlemen cook far away" has also become heartless. Excluding the garage, the housing area is more than 200 square meters, which is more than enough for a family of three.
The house should be loved by the whole family, and should be democratic rather than centralized, so as not to be unhappy in the future. The next step is to negotiate the price. I went to the local government to check the transaction price of a similar house in the same area within three years, as well as the changes in the housing market within three years, and set the bottom price I am willing to pay. Simply like it. I lowered the reserve price a little and returned the price. After the second round of bargaining, my offer rose to my bottom price; The seller has reduced the price several times in a row, which is not much different from my reserve price. Everyone advised me to add some money, even my wife spoke for the seller. I won't give in. My rock bottom price is well founded, and the market is in my favor. I don't want to bargain too hard for what I like, so as not to lose the opportunity, but I don't want to pay a high price. In economics, satisfaction comes at the price of a certain willingness. If the price is too high, satisfaction becomes dissatisfaction. Three days later, the transaction was closed at my reserve price. I was surprised that my wife would defect when I was an economist.
The next step is to look at the house, choose a loan, and go through the transfer procedures. Checking the house is simple. It costs 200 yuan to hire a professional, and it will be done in an hour or two. The old house will have some defects. It should be stated in the purchase contract that the repair fee below a certain amount shall be paid by the seller. If the agreed fee is exceeded, the buyer and the seller can't terminate the contract through consultation.
Which bank to ask for a loan depends on whose interest rate was low at that time. Make up your mind before lending, how long is the repayment period, and whether the interest rate is fixed or floating? The longer the repayment period, the higher the fixed interest rate, because the higher the risk cost of the lender. If you are short of money, or the rate of return on playing stocks exceeds the mortgage interest rate, you may wish to pay back the house payment slowly in 30 years and use the saved money for eating, drinking or stock investment.
Of course, you can also pay more, and the bank can lower your interest rate. Why are banks so charitable? Because you paid the risk cost of the bank in advance, the jargon is called "buy points" (buy interest rate cuts). This set has formula conversion, which can be worked out by moving your fingers. When many Americans buy a house, they ask the seller to pay a "point fee" instead of just making a fuss about the bargain. The advantage of this is that the monthly house payment can pay less interest, and the house price will not be low, which has a negative impact on the appreciation of the house. Whoever wants to sell the house cheaply lowers the value of the surrounding houses, and the neighbors are not happy.
If you plan to move and sell your house in six or seven years, choose a fixed interest rate for six or seven years and a floating interest rate for one year. Since you only let the bank bear the risk of a fixed interest rate for six or seven years, the bank will give you a lower fixed interest rate for the first six or seven years.
As the saying goes, there is no free lunch. If you can order, you can eat well and spend less money.
I chose a repayment period of 30 years, so I don't want to buy some. What I want is to pay less for the room now and more for eating, drinking and having fun when I was young. "Old travel can be seen everywhere. Nowhere to find, only a young heart. " People are old, have no money, and have no mood to play. "The mistakes made by a teenager have been hated for a long time, and it has been one hundred years since the spring.
The down payment depends on you. The down payment can range from 3% to 20%. If the house price is less than 20%, you have to pay the loan insurance premium, so many people in China are willing to pay 20% down payment. When most Americans buy a house for the first time, the down payment is less than 20%. This hedonistic country left cash to decorate rooms, while the old China people suffered first and then enjoyed.
Buying a house is an important event for American families, and the monthly housing payment accounts for a quarter to a third of a family's after-tax income. Of course, the construction industry is also the pillar industry of the American economy, and the quarterly change rate of housing sales is one of several important indicators pegged by Federal Reserve Chairman Greenspan.
Having a house and becoming a landlord, I feel that I have a sky of my own in this world. As a bourgeois, what I want is stability above everything else. A strong middle class is the main factor for the long-term stability of American society.