How To Build &Nbsp At Thirty?

"I am not." Fry tenants I am just a small investor in the real estate market. " At the sight of Zhang Qing, she declared "half joking". When many post-80s are still struggling for a snail's nest, Zhang Qing, less than 30 years old, has already managed several sets of houses smoothly. "You don't care about the house, the room doesn't care about you." image Conduct financial transactions It's Zhang Qing's secret to go to the same room.

Young mortgage slave

In 2005, Zhang Qing, who had just worked for two years, got a purchase index from a casual opportunity. Friends in Nanning Liu Sha Peninsula to raise funds to build houses, 2700 yuan per square metre, friends suspected 90 square meters area is too small, the index free transfer to her. At that time, the real estate market was not yet hot, and it was something that she had never considered before. She had no savings to live with her parents. Why should she let her own debts in her early life? Zhang Qing thought at that time.

However, considering that, Zhang Qing feels that this opportunity is really rare. His monthly salary of two thousand yuan can also afford housing supply. After communicating with his parents, he decided to borrow 100 thousand yuan from his parents as the first payment, and the loan bought the first suite in his life.

After being a house slave, Zhang Qing once regretted it. When friends could spend money on the moon and brush their credit cards, Zhang Qing spent more money than his peers in order to repay his parents' money and eight hundred or nine hundred yuan per month.

In 2007, at last, it was time for the delivery. After the simple decoration, Zhang Qing rented the house, and the monthly rent was worth several hundred yuan. {page_break}

Property market downturn "copy the bottom"

Having tasted the joy of "renting a wife", Zhang Qing opened the door: if he bought more apartments for rent, he would repay the bank loans by rents, and earn some living expenses. After decades, the house loans were paid off, and the rent could be rented. What a beautiful thing! She thought of the way to rent a loan. However, according to the loan policy at that time, buying the second suite with Zhang Qing's financial resources was rather laborious.

The unexpected thing happened to her. With the global financial crisis raging in 2008, housing prices in Nanning also showed a downward trend. Even with the best location in Nanning, the price of newly opened real estate dropped by 1000 yuan before the financial crisis. In order to save the precarious real estate market, the government has introduced a number of incentive policies, including the first time buyers can enjoy 30 percent off interest rate concessions, improve housing as the first suite to enjoy the first suite benefits, deed tax rates, business tax rates and so on.

Zhang Qing vaguely believes that the state will not sit idly by the economic downturn, as a country. Economic pillar The real estate will not go on this way, the best proof of the country's bailout. In January 2009, Zhang Qing saw a set of 140 square meters of Feng Ling, an excellent house for landscapes and Huxing, and 4200 yuan per square meter. Zhang Qing bought the second suite with 20% payments and 30 percent off of the loan interest rate.

Because this suite is a forward house, in order to raise the turnover rate of the capital, she persuaded her boyfriend, Xiao Li, who was about to register her marriage, to postpone getting married. She used the opportunity to buy the first suite, and Amoy a 70 square meter second-hand apartment in XiXiangTang District, which was specially used for rent.

Facts have proved that Zhang Qing's practice is very correct and timely, and the real estate market has resumed to rise under the national rescue policy, and the price has also hit a new high soon. {page_break}

Thirty millions of millions of assets

At the end of last year, Zhang Qing and his boyfriend Xiao Li officially registered to be married. They set the new house in the large house that had just been renovated in Feng Ling, and the other two apartments continued to be used for rent. With the development of the real estate market, rental prices are rising year by year. Now, they receive more than three yuan monthly rent.

Not only that, after several times of rising housing prices in Nanning, their 3 houses also increased significantly, especially the first suite of Zhang Qing, and now the price of newly built commercial housing has risen to more than 7000 yuan per square meter. Under the inflation situation, real estate has become the best investment channel for all to see.

The original wishful thinking has become a reality, and the money owed to the family has been paid off gradually. Zhang Qing was very grateful for her brilliant move. When many of her peers were fighting for a house, nearly 30 years old, she had already held millions of assets. Summing up his real estate investment history in recent years, Zhang Qing briefly summarized several experiences of real estate investment:

First of all, do not pay the house at one time. The house is not like other commodities. The one-time payment will take up too much money. Even if you are sure that you will make money in the future, the recovery period is too long, which will affect the turnover rate of the capital. Do not be afraid to pay the interest of the bank.

Secondly, investment property should also pay attention to allocation. If you want to rent, you'd better buy the second-hand housing in the mature section; if you want to use it for long term increment, then choose the house with good housing, good surrounding environment and good location, though expensive, but the value-added will be the fastest.

Finally, interest rate changes should be taken into consideration when investing in real estate. In the interest rate cycle, the monthly supply of houses is getting higher and higher. At this point, we should pay attention to calculate the annual income of the house for rent, and compare it with the loan interest rate and other financial channel revenue, so as to decide whether the property is to continue to rent or sell.