Ten misunderstandings of novice buying a house. Don't look at the trap for minutes.

Houses are of special significance to China people, which is closely related to the traditional concept of staying at home in China. A house is a home to live in and a place to relax after work. But if you accidentally fall into the "pit" in the process of buying a house, it will be painful. Therefore, you must do your homework in advance before buying a house, especially for beginners. There are many places to pay attention to. Let's take a look at the misunderstandings that should be paid attention to when buying a house.

Myth 1: knowing the policy is useless.

The rise and fall of house prices has a certain law and has a lot to do with the market. Once the market is overheated or too cold, the state will introduce relevant policies to intervene, such as restricting purchases or loans. I don't understand, blindly buying a house is prone to problems. Therefore, housing prices still have a lot to do with government policies. Before buying a house, watch a little news every day, always understand the real-time policy, buy when the policy encourages relaxation, and pay close attention when the policy regulation begins to tighten.

Myth 2: Earn enough money to buy a house.

To buy a house to a certain extent, you must master the tricks. If you don't have the ability to pay in full, don't choose to buy a house in full If there is no pressure to repay the loan, buying a house by loan is still a better way to buy a house. The lower the down payment, the better. The longer the monthly payment, the better.

The opportunity for ordinary people to "set" state loans is mortgage, and the interest on the second home purchase is so favorable. Otherwise, they will continue to save money. When you save it, the house price will rise again and the money will not be enough. You still have no room after all this trouble.

If you really want to own a certain property, don't hesitate to start. Of course, don't spend all your money on the down payment. The down payment is the 1 stage of buying a house. In fact, when you hand over the house, you still have to pay 30,000-50,000 taxes. In addition, if it is a rough house, it will still face the problem of decoration after delivery, which is also a huge expense.

Myth 3: Writing the child's name in the real estate license is equal to saving trouble.

Some parents like to write the house in the name of their children, thinking that it will be left to the next generation anyway, which can save the trouble of transferring the house to their children in the future. However, after the new second suite identification standard comes out, this practice will bring a lot of inconvenience to children in buying a house in the future.

When the children can buy a house independently, they will not enjoy the first set of discounts. Once it is recognized as a second suite, not only the loan conditions are stricter, but also the payment of taxes and fees is more complicated; If you want to sell a house, you need to go through several procedures to explain that selling a house is for the benefit of children.

Myth 4: The expert's analysis is completely correct.

Novices will inevitably find various reports and lectures from experts before buying a house, thinking that they can avoid losses after listening to them. However, do you know who the experts speak for? The so-called experts are mostly on paper, or developers sponsor some seminars and hire some experts at high prices. Do these experts tell the truth for the people after receiving the money?

Therefore, if you have to learn from experience, you might as well listen to the suggestions of some predecessors who are really at the forefront of practical operation. You might as well combine their comments with your own research to fully understand the market dynamics.

Misunderstanding 5, passive real estate speculation

Many office workers feel that after years of hard work, it is better to fry a suite and earn more money, so they can't help but join the team of real estate speculators. I don't know that real estate speculation is a very professional job, because the procedures for realizing houses are complicated, taxes and fees are numerous, and the cycle is long. When you encounter adjustment or inaccurate vision, it is difficult for you to get rid of it, and then you can only passively "real estate speculation into landlords."

If you have to participate in real estate, you can choose to join the real estate finance club, so that professionals can help you make money, and the return is relatively stable.

Myth 6: Advertising equals reality.

In the process of advertising, openers tend to be a bit prominent, avoiding talking about shortcomings, and some people get stuck when their minds are hot. As a result, after they bought it, they found that the advertising plan was not in line with the actual situation, and they might not even get the real estate license.

Therefore, when buying a house, buyers need to fully understand the real situation of the house and the community, make rational analysis and field visits, implement the housing planning and breach of contract clauses in the contract, and meet their real needs. A house is a really good house.

Myth 7: Buy a house in one step.

Being in place once is just an idea of "fortune telling". Although it can save you a lot of worries and a lot of housing replacement costs, it also means that you have to bear greater economic pressure. Anything can happen on the road. If the economic conditions are good, you will certainly improve your living conditions. If your economy is bad and your house appreciates, why can't you sell the money to develop your personal career? Therefore, property buyers need to comprehensively consider their actual abilities and cannot blindly pursue large-sized units. They should choose a step within their ability according to their own conditions.

Myth 8: Buying a house is not as good as renting a house.

Renting or buying a house is a big problem that puzzles young buyers. Some people have calculated the economic accounts and think that renting a house is more cost-effective than buying a house. However, while calculating the economic account, it ignores the sense of belonging, security and happiness brought by home and house, which is beyond the reach of renting a house. Therefore, if the money on hand is enough to buy a down payment, then my personal suggestion is to buy a house on the issue of renting a house.

Myth 9: Repaying the loan in advance is equal to saving money.

Many property buyers hope to save some interest by repaying the loan in advance after they have a certain capital base. But prepayment may not be suitable for everyone. If the repayment period of equal principal has passed 1/3 or the repayment period of equal principal and interest has passed 1/2, the interest saved by repaying the loan in advance is very limited; If it is in the early stage of repayment, there may be liquidated damages for early repayment.

Myth 10: Just look at the price, only buy cheap and not expensive.

When buying a house, the unit price is often the most concerned issue for consumers. When buying a house, some property buyers often covet cheap (except for those who are particularly short of funds, of course), but this does not mean that the lower the price, the better. As the saying goes, "value for money", if you pay too much attention to the price of housing, you are likely to ignore the quality of real estate, which will affect the comfort of future life.

For the real estate market: the cheap ones may get cheaper and cheaper, and the expensive ones may be more expensive. Therefore, if funds permit, you must buy a prosperous lot or a lot planned by the government, which will be easy to add value or change hands in the future.

A house is not only a residence, but also a sign of home.

(The above answers were published on 20 17-08- 10. Please refer to the current actual purchase policy. )

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