How To Buy A House In Different Stages Of Life

Introduction:

Rising prices, Inflation The monthly income of 10000 yuan has become the mainstream income of many urban families. "10000 yuan households" is no longer a dream. In the current housing environment, 10000 yuan may only buy 1 square meters of houses. How to control it really needs to be weighed carefully. Are you a single person? A quasi marriage family or a family of three?

　　 Bachelors:

Living within your means, preparing for future room change.

Room selection: if you are a single monthly income of 10000 yuan, Congratulations, you have successfully entered the ranks of the middle class. But that doesn't mean you can spend money freely, because even if you are single, you need to make a reservation for your future family. A small person who recommends a single person, if you do not have the other half, then buy a house must take a leisurely point, do not buy a large area, because once you find the other half, it is very likely because of the two people working life circle problems and need to change rooms. Therefore, at this stage, you can either continue to rent a house or buy a small area of 50 -70 or so, so that in the future, both housing conversion and investment can be more maneuverable. In addition, most of the singles who are struggling at present are in need of convenience. Therefore, it is recommended to buy a house with a convenient transportation and a total price of around 600 thousand yuan.

　　 loan Plan: the current mortgage policy is the minimum down payment of 30%, with a total price of 600 thousand yuan, for example, the down payment needs 180 thousand yuan. Because the pressure of life is not great when single, it is suggested that we should pay more attention in the early stage and adopt the equivalent principal repayment method. In the 20 year period, this repayment method will pay much more in the early stage, and then less and less. At present, the benchmark interest rate is 6.14%, and after floating 25%, it is 4.605%. Therefore, the monthly repayment amount is about 3500 yuan, excluding the monthly normal living expenses of 3000 yuan, but also the balance of 3500 yuan as savings.

　 Quasi marriage:

The area is moderate, and the practical community disk is suitable.

Room selection: when two people want to start buying houses for small families, there will be a target purchase area in the heart. This area should be within the working range of two people. If it is impossible for two people to take care of each other, one of them must be satisfied. Another person can consider buying a car. Otherwise, there will be a waste of two cars in the future. Besides, the life of two people is different from that of a person. We should consider rice, oil, salt, vinegar and vinegar, so it is best to have a large supermarket and a vegetable market around us. Then the product itself, it is recommended to buy a real estate with a high utility rate between 80 -100 and 800 thousand yuan. Some real estate 90 can also do three rooms. Even if a couple wants to get married, it doesn't matter if they want a child.

Loan scheme: Taking 800 thousand yuan as an example, the first time home purchase charge is 30%, or 240 thousand yuan, and it needs 560 thousand yuan. This period still recommends the use of the equivalent principal repayment method. In the early stage, it should be more. Later, when there is a child, the repayment pressure can be smaller. But the repayment period is recommended for 30 years, because family income is two yuan, but the expenditure will be larger. According to this calculation, the monthly repayment is about 2600 yuan, the family's normal expenditure is 3500 yuan, and the remaining 3900 yuan. {page_break}

　　 Three families:

Peripheral matching should not be ignored.

The idea of choosing a house: the family with children will be heavier, so the purchase can not be too arbitrary, if there are more families. savings If you can pay down payment, you can consider the selection of some medium-sized apartments of 120 -140 in the center of the city. If the savings are not large and the area is larger, then the choice of the target will be transferred to the town street or second-hand housing. In sum, the total purchase price is best not to exceed 1 million 200 thousand yuan. In addition, families with children should consider whether there are schools or kindergartens around the property.

Loan scheme: Taking the total housing price of 1 million 200 thousand yuan as an example, if it is the first time to purchase, the down payment 30% is 360 thousand yuan, which needs 840 thousand yuan in total. Because the child is small and the burden is heavy, it is recommended to choose the equivalent principal and interest repayment method, according to the 30 years repayment period, the monthly repayment amount is 2256 yuan, throws the family month expense 4000 yuan, but also may balance 4000 yuan or so as savings. If the buyers feel that the loan pressure is not large, they can consider paying the loan in advance after a few years.