China people buy ten "dead holes"! The more you look at it, the more shocking it is!

It is said that China people need to be alert to the top ten "dead holes" when buying a house. Which of the following ten "dead holes" poked you?

One: Buy up and don't buy down

In the real estate market, people who bought houses are looking forward to a big rise, while those who didn't buy houses are looking forward to a big drop. It is rare to see unusually calm citizens. In June 5438+February 2008, when there was a falling noise, all the people who needed to live in their own homes bought houses and were very happy in the end. Some people think that house prices will continue to fall, and insist on waiting until the house prices rise by 20% in 2009. They are afraid that if they don't buy it, others will buy it and it will go up even higher. No matter how much the price is, they are scrambling for hundreds or even hundreds of thousands out of thin air. The housing market will never have a top and bottom, and no one knows how much it will fall and how much it will rise in the future. Rising is the beginning of falling, and falling is the harbinger of rising.

Solution: When people around you are buying houses in the market, don't join in the fun. There is a price 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.

Two: do not study national policies and blindly enter the market.

People who have experienced the crazy ups and downs of the housing market in 2007 should not forget that if the government does not take action, the housing price in Shenzhen can be completely fried to 30,000/flat. In 2009, when the national encouragement policy was introduced, we should realize that it is inevitable that house prices will start to rise. This shows that housing prices are completely under the control of the government.

Solution: Be sure to watch the news every day and read the front page news of the newspaper. The policy encourages buying when it is loose, and pays close attention when policy control begins to tighten. These national policies are most directly related to market reactions.

Three: save enough money to buy.

Absolutely wrong. If you have no money, you have to buy a house, otherwise you will not be able to save enough money. Many ordinary people (603883, stock bar) are careful every day to save enough money to buy a house, and some are even stupid enough to pay the full amount. In fact, to a certain extent, we must master the trick of buying a house. The lower the down payment, the better, and the longer the monthly payment.

Ordinary people can "set" the only chance to get a national loan is a mortgage, and the interest on buying a house for the first time is so * *, don't be silly. Of course, we can neither apply the story of the American old lady nor the story of the China old lady. Instead, we should choose one from each other and have enough cash in hand to invest.

Solution: buy a house with the least money, even if you have enough cash on hand. With 500 thousand cash, don't be stupid enough to spend 500 thousand to buy a 500 thousand house. It is enough to take out 654.38+million yuan, and the remaining 400,000 yuan is used for investment. If you can't earn back the mortgage interest for a year, it only means that you don't even have the basic financial management ability. Whether investing in the stock market or other things, the annual return of 400 thousand earns 30 thousand or 50 thousand, which is much higher than the interest of bank loans. At worst, you can lend it to your friends, and the interest rate is higher than that of the bank.

Four: passive real estate speculation

Many ordinary people see that the house has gone up, and feel that it is better to fry a suite after years of hard work, so they can't help but join the real estate speculators. I didn't know that real estate speculation was a professional job, and I was accidentally quilted. House liquidation procedures are complicated, taxes and fees are numerous and the cycle is long. It's hard to get rid of it when it comes to adjustment or inaccurate eyes. In the end, we can only passively "real estate speculation into landlords". It costs money and time, which affects the work. Finally, I was exhausted, not worth the loss.

Solution: don't have short-term speculation, but have a long-term investment mentality. You can choose to join the real estate finance club and let professionals help you make money, and the return is relatively stable. If you do it yourself, you must do research in many ways, do your homework, plan your own funds for at least 2 years, and you won't worry about the problem of default within 2 years.

Five: superstitious experts and scholars

So-called experts and scholars are flying all over the sky, and experts in various fields are "studying" real estate. But every so-called expert must have his roots behind all his remarks. A closer look at the environment in which these experts live shows who he is speaking for.

Some seminars and forums sponsored by real estate agents, experts and scholars paid by real estate agents, can you speak for the people? Is there such a good thing in the world that real estate agents pay scholars to speak for the people? Many so-called experts and scholars have not even experienced the process of buying their own houses, and they simply don't know the real status quo of the front line. They may live in a house allocated by the state or a house given by a real estate developer. How can they know the sufferings of ordinary people?

Solution: Don't be superstitious about so-called experts and scholars (to some extent, if you want real results, you might as well listen to reliable and experienced first-line real estate agents). Their comments can only be used as one of the macro reference indicators.

Six: buying a house can be in place at one time.

Some people spend a lot of money for the so-called one-time occupancy, and later they find it a waste when they sell their houses. Modern society is a pluralistic society, the economy is developing, and all kinds of new things emerge one after another. Many things are changing. Today, the idea is this. In a few years, your family, work, occupation and economic income will all change, and then your plans and ideas will be different. If the economic conditions are good, improving living conditions will definitely be unsatisfactory; The economy is bad, and your house has appreciated. Why not sell it for money to develop your personal career?

Acupoint solution: Being in place once is just your current "fortune-telling" idea, and anything can happen in the middle. I suggest you only plan for 5~8 years at most. What will change in five years, no one will ever know, good or bad will definitely exceed your blind imagination now.

Seven: superstitious advertising language

Many people get purchase information from real estate advertisements. As we all know, real estate advertisements are "good wishes" concocted by developers who hire writers. Whether the wish can be realized depends mainly on the strength and conscience of the developer.

Solution: Go to the site for on-the-spot investigation, visit and analyze, consult reliable professionals, and find the old owners to understand the real situation.

Eight: Buy only the cheap ones, not the expensive ones.

Cheap goods are not good, and expensive goods must have expensive value. The real estate market will always be: the cheap will get cheaper and cheaper, and the expensive will always be more expensive. Even in Shenzhen, many cheap houses have not gone up much.

Solution: Be sure to buy the best. It is easy to add value or change hands in the future. If you really have no money on hand, bad purchases are also debt assets.

Nine: It is better to rent a house than to buy one.

Many people have been arguing and talking a lot. If you buy bubble assets, you will lose a lot.

Let's calculate an account: there is a big gap between the monthly supply and rent of commercial housing. According to our investigation, the rent for a house with a monthly payment of 5,000 yuan is at most 2,500 ~ 3,000 yuan. The down payment for buying a house plus decoration, furniture and electrical appliances, at least 100,000, 200,000 or even hundreds of thousands in the early stage, and monthly payment (tens of thousands a year). But if you rent a house for one or two years, the rent will be tens of thousands of yuan at most. If you put these hundreds of thousands into it, you will definitely earn more money than you pay the rent.

Solution: refer to article 8 "dead hole" to choose to buy or rent.

Ten: Look at the future with the eyes of the present.

Many ordinary people panic and don't know what inflation is and why. In fact, as far as Shenzhen is concerned, some houses have completed inflation ahead of schedule. A good future now is not necessarily good. Some buildings in Shenzhen, 1989 once sold for 6000 yuan or 7000 yuan. Since the development is limited to 2009, this price will not be available until 20 years later. But can the money 20 years ago be compared with today?

Solution: Look at the present from the perspective of the future. Don't buy a house that is overdrawn for many years to come. It is very important for the planning of the location of the house. Even if it is not good now, as long as you know its plan, don't worry. Buying a house for self-occupation is an investment. If you want to invest, there must be risks. How to minimize risk and maximize value is a problem that everyone who wants to buy a house should calm down and think about.

Finally, please ask those who have not bought a house or have bought a house seriously: can you see the suites that you will live in for a lifetime in the next few decades?

(The above answers were published on 20 17-0 1-09. Please refer to the actual situation for the current purchase policy. )

Click to receive the red envelope for viewing the house, and directly receive 100 yuan in cash.