Buy a house, buy it, don't buy it, be careful, and go into a misunderstanding.

20 17 how hot is the real estate market? Since the second half of 20 16, the heat of the property market has been soaring. Even if the developer pushes the plate faster, there is still no room to sell. Where's the buyer? Waiting in line, looking for a relationship, getting a loan, still can't buy a house. What about the house price? House prices in some cities have soared, but they still can't stop the enthusiasm of buyers. Many people regard buying a house as buying up and not buying down, but does this logic really hold? Below, I will tell you about the misunderstanding of this idea.

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. The day when you take on the mortgage early is not suitable for everyone.

suggestion

Planning is only for 5-8 years at most, and getting it in place once 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

Try to buy a house with the least money, 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, it is relatively cheap to buy now, and after a while, house prices will rise again.

On the contrary, house prices are falling. If buyers realize that they will fall further, buying now means that the house will depreciate in value after a while.

suggestion

When people around you are buying houses in the market, you'd better not join in the fun. 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. If you have money, it is not suitable for everyone to apply for prepayment.

suggestion

If you have already enjoyed a 20% interest rate, it is better to invest in higher wealth management products than to repay 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 the child and parents have no 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, make a down payment of 30% 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: forwarding is the most economical.

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: business tax+individual tax+deed tax. In real estate transfer, buying and selling is the most common way, and it is also a relatively convenient and safe operation mode.

suggestion

If the purchase price is relatively 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 the property is "complete and unique", it is exempt from business tax and individual tax, and the sale and transfer is obviously more economical than the gift transfer. So everyone should look at the situation and don't blindly follow the trend.

(The above answers were published on 20 17-03-08. Please refer to the actual situation for the current purchase policy. )

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