Top ten ways to die for buyers: don't be chained to a suite all your life.
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.
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 fall and insist on waiting. However, when the price rose by 20% in 2009, they were anxious. They are afraid that if they don't buy it, others will buy it, and it will rise even higher, so they rush to buy a house regardless of the price, and they have hundreds or even hundreds of thousands out of thin air.
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 harbinger 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 fried 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 is: watch the news broadcast 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. 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 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. The only chance for ordinary people to get a national loan is a mortgage, and you don't have to be a fool because the interest on the first home purchase is so favorable. 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, 65438+ ten thousand yuan is enough. You must vote for the remaining 400 thousand. If you can't even earn interest on a bank mortgage for one year, it can only show that you don't even have the most basic financial management ability. Whether investing in the stock market or other things, the annual return of 400,000 earns 30,000 or 50,000, which is much higher than the interest of 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. I don't know that real estate speculation is a very professional job, and I was accidentally quilted. 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". It costs money and time, which affects the work. Finally, I was 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 join the real estate financing club, so that professionals can 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 have a plan for your own funds for at least two years, that is to say, you will not worry about the problem of insufficient supply within 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" 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.
For example, experts and scholars in government agencies, who are only imperial scholars, have no actual combat experience. Didn't you see that Professor Peking University lost the bet according to economic theory? And some seminars and forums sponsored by real estate developers, experts and scholars paid by real estate developers, can their words be considerate of the 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. You want real estate developers to pay experts and scholars to speak for the people. Do you think such a good thing will happen in the world? 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 houses allocated by the state, or they may live in houses given by real estate developers. How can they know the difficulties 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, the economy is developing, and all kinds of new things emerge 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, and then 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 your 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. Refer to the "dead hole" 8. If you buy a bubble asset, it will be a big loss. Let's calculate an account: there is basically a big gap between the monthly supply and funds of commercial housing.
According to the survey, the rent for a house with a monthly payment of 5,000 yuan can only be around 2,500 ~ 3,000 yuan at most. 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 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: 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 answer was published on 2016-1-11.Please refer to the current relevant housing purchase policy. )
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