Experts analyze the top ten taboos of buying a house. Don't be fooled by the buyer.

Although the government has been suppressing the price increase of developers, there are still many developers who raise prices in disguise, which has aroused the fear of property buyers and rushed to buy houses. Ignore the common problems of buying a house, so there is no way to regret it. Bian Xiao invents the top ten taboos and countermeasures of buying a house for you, so buyers should beware of being fooled.

One of the "dead holes": buy up and not buy down.

I remember when the real estate plummeted in June, 5438+February, 2008, I suggested that some people who needed to live in their own homes could consider buying houses appropriately, and some people bought them, which was very happy. However, some members believe that house prices will continue to rise.

Falling, insisting, etc., but when the house price rose by 20% in 2009, I was anxious. I was afraid that I wouldn't buy it myself, others would buy it, and the price would rise even higher, so I rushed to buy a house regardless of the price.

Out of thin air, wrongly overpaid hundreds of thousands or even hundreds of thousands of yuan. The author believes that in the housing market, there will never be a top and bottom, and no one knows how much it will fall or rise in the future. Rising is the beginning of falling, and falling is the precursor of rising.

Solution: When everyone around you is buying a house 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.

The second "dead hole": blindly entering the market without studying national policies.

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 speculated to 30,000 yuan/square meter. 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.

Acupoint solution: The secret I want to tell you is that you must watch the news broadcast and the front page news of the newspaper every day. The policy encourages buying when it is loose, and pays close attention when policy control begins to tighten. Because these national policies are the most directly involved in the market reaction.

The third "dead hole": save enough money to buy.

This is an absolute conceptual error. In fact, it is because there is no money that you have to buy a house, otherwise the result will be that when you save enough money, it will not be enough. Many ordinary people are saving enough money to buy a house every day, and some are even stupid.

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. The only opportunity for ordinary people to "set" state loans is mortgage, and so is the interest on the first home purchase.

Discount, don't be a fool. 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: Try to buy a house with the least money. Even if you have enough cash on hand. If you have 500 thousand cash, don't be stupid enough to spend 500 thousand to buy a 500 thousand house. At most, only 654.38+ 10,000 yuan is enough.

You have to invest the next 400 thousand. If you can't earn interest on bank mortgage after investing 401,000 years, it can only show that you don't even have the most basic financial management ability. Whether investing in the stock market or its

He has a return of 30,000 to 50,000 yuan per year, which is far higher than the interest on bank loans. At worst, you can lend it to private friends, which is also higher than the bank interest.

The fourth "dead hole": passive real estate speculation

After seeing how much the house has gone up, many ordinary people feel that they have worked hard for many years. It is better to fry a suite and earn more money, so they can't help but join the team of real estate speculators. As we all know, real estate speculation is a very professional job.

Be careful of the quilt cover. Because the procedures for realizing the house are complicated, taxes and fees are numerous, and the cycle is long, it is difficult to get rid of it when you encounter adjustment or inaccurate vision. In the end, we can only passively "real estate speculation into landlords". Spending money takes time.

Suddenly affected the work, and finally exhausted, not worth the loss.

Solve acupoints: never have the psychology of short-selling speculation. Have a long-term investment mentality. If you want to participate in real estate investment, you can choose to participate.

Add a real estate finance club to let professionals help you make money, and the return is relatively stable. If you want to do it yourself, you must do research in many ways, do your homework, and arrange your own funds for at least 2 years.

Planning, that is to say, we won't worry about the shortage of supply in two years.

The fifth "dead hole": superstitious experts and scholars

Now so-called experts and scholars are flying all over the sky, and experts in various fields are "studying"

Investigate "real estate. But every so-called expert must have his roots behind all his remarks. As long as we take a closer look at the environment where these experts live, we will know who he is speaking for. Such as experts and scholars from government agencies,

Those are just imperial literati without any actual combat experience. Didn't you see that Professor Peking University lost the bet according to economic theory? There are also some seminars and forums hosted by real estate developers, and experts and scholars paid by real estate developers, He?

Can children speak for the common people? It is said that Mr. Lang Xianping's appearance fee for participating in real estate agency activities has been above six figures, which is naturally borne by the sheep. Do you want real estate developers to pay experts and scholars?

Do you think there will be such a good thing in the world when ordinary people talk? In fact, many so-called experts and scholars have never experienced the process of buying their own houses, and they simply don't know the real situation on the front line. They may live in this state.

Or a house sent by a real estate agent, how can they know the suffering of ordinary people!

Solution: Ordinary people must be sober on this issue, and never be superstitious about so-called experts and scholars who have no actual combat experience and talk on paper all day (to some extent, to achieve real results, it is better to listen to a reliable and experienced first-line real estate agent). His remarks can only be used as one of the macro reference indicators.

The sixth "dead hole": buying a house can be in place at one time.

This is another concept that makes many ordinary people make mistakes. Some people even spent a lot of money for the so-called one-time occupancy, and later found themselves wasting it when they sold their houses. Modern society is a pluralistic society.

Yes, the economy is developing and all kinds of new things are emerging one after another. Many things are changing. Maybe you think so today, but in a few years, your personal family, work, occupation, economic income and so on will change. When you get there,

Sometimes your plans and ideas will be different. If you have good economic conditions, you will certainly not be satisfied with improving your living conditions; If your economy is bad and your house appreciates, why not sell it for cash to develop it?

Personal career?

Acupoint solution: Being in place once is just your current "fortune-telling" idea, and anything may appear halfway. I suggest that 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.

The seventh "dead hole": superstitious advertising language

Many people get information about buying houses through various real estate advertisements. I don't know that real estate advertisements are "good wishes" concocted by developers who hire writers. Whether this wish can be realized depends mainly on the strength and conscience of developers.

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.

The eighth "dead hole": only buy cheap and not expensive.

Just to be cheap. Everyone knows that cheap goods are not good. Expensive must have expensive value. And 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.

The ninth "dead hole": renting a house is not as good as buying a house.

This problem is also a problem of many ordinary people's ideas. Many people have been arguing and talking a lot. In the case of "dead hole" 8, if you are buying bubble assets, buying is a kind of

Great loss. Let's calculate an account: there is basically a big gap between the monthly supply and funds of commercial housing. According to our investigation, the rent for a house with a monthly payment of 5,000 yuan can only be 2,500 ~ 3,000 yuan at most.

About. The down payment for buying a house, plus decoration, furniture and electrical appliances, is at least 200,000 yuan or even several hundred thousand yuan in the early stage, and monthly payment (tens of thousands of yuan a year). But if you rent a house for a year or two, at most.

The rent is only tens of thousands of dollars. If you put these hundreds of thousands into it, you will definitely earn more money than you pay the rent.

Solution: Choose to buy or rent according to Article 8 "Dead Hole"

The tenth "dead hole": looking at the future with the eyes of the present

(The above answers were published on 20 17-06-0 1. Please refer to the actual situation for the current purchase policy. )

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