No matter what the house price is, you should buy it, but you should know these six misunderstandings, whether you have money or not.

Some people think that the sooner you buy a house, the more money you make, but others think that the property market will collapse soon. People who buy houses expect house prices to rise, while people who don't buy houses expect house prices to fall. In fact, regardless of the ups and downs, housing is the most important thing for some people who buy a house to live in. Let's talk about buying a house today. Don't enter these six misunderstandings.

Misunderstanding 1. Buy a house in one step.

Many people want to buy a house in one step, but it is completely unnecessary. Because your requirements may change with the change of income and economic situation, it is not too late to change rooms then. When buying a house, you should choose according to the current income level and actual demand. Not suitable for people with heavy mortgages in the early days.

Suggestion: planning for more than 5-8 years, once in place is just an idea of fortune telling. No one will know what will happen in five years.

Myth 2: save enough money to buy.

This is an absolutely wrong concept. In fact, it is because there is no money that I have to buy a house. Otherwise, the result is that when you save enough money, the house price will fly away by rocket. Why do you work so hard and still be so poor? Because you don't have a loan to buy a house. Many people save enough money to buy a house every day, and some even have to pay the full amount. In fact, when buying a house, you must master the tricks. The lower the down payment, the better the monthly payment.

Suggestion: spend as little money as possible to buy a house, even if you have enough cash on hand.

Myth 3: Buy up and don't buy down

In the real estate market, people who buy houses are expecting a big rise, while those who don't buy houses are expecting a big drop. Few citizens are unusually calm. In fact, just-needed buyers should also make rational judgments. If property buyers realize that house prices are rising and will rise again, buy now. After a while, house prices will rise again, which is relative. On the contrary, house prices are falling. If buyers realize that it will fall, buying now means that the house will depreciate in a period of time.

Suggestion: Don't join in the fun when everyone around you is buying a house in the market. Because there is a price to pay for joining in the fun. When others panic, they must be greedy, buy when they fall, and sell when they rise. Only in this way will we not waste our hard-earned money in vain.

Myth 4: If you have money, you will repay the loan in advance.

Many mortgage borrowers are well-off, thinking that the sooner they repay in advance, the more money they will save. The less mortgage, the better. It is not cost-effective to pay interest to the bank. Rich people are not suitable for applying for early repayment of loans.

Suggestion: If you have already enjoyed a 20% interest rate, it is better to go to a higher wealth management product, which is more cost-effective than repaying the loan in advance.

Myth 5: The real estate license writes the child's name.

Many people are used to writing the house in the name of the child, thinking that it will be the child's sooner or later. In fact, writing the child's name directly when buying a house may lead to the following situations: First, children have to pay more down payment when buying a house independently; Second, if property tax is levied, children may have to pay property tax when they buy a second suite after marriage.

Suggestion: If neither the child nor the parents have real estate, that is, the parents' real estate license does not have the child's name, then the child will buy the first suite as an adult, pay 30% down payment according to the policy, and enjoy the first preferential mortgage interest rate. On the contrary, if the child has a house under his name, the down payment and loan interest rate will increase, making it more difficult to buy a house.

Myth 6: Save money for transfer.

Many people think that giving is more economical than buying and selling, but it is not necessarily so. The main expenses for the transfer of the gift: individual tax+deed tax+notary fee. Immediate family members are exempt from tax; Gifts from non-lineal relatives are regarded as transactions, and a tax is required, that is, 20% of the profits of real estate transactions or 1% of the house price (if the real estate license is over 5 years and it is the only house, it can be exempted). In addition, deed tax and notary fee should be paid.

Main expenses of transaction transfer: value-added tax+individual tax+deed tax. In real estate transfer, buying and selling is a common way, and it is also a more convenient and safe way of operation.

Suggestion: If the purchase price is low, the difference between the selling price and the purchase price will increase in the future, and more taxes will be paid when selling again.

If there are more than five properties, business tax and individual tax are exempted, and the sale and transfer are obviously more economical than the gift transfer. So everyone should look at the situation and don't blindly follow the trend.