Nine misunderstandings about buying a house, 90% of people will be recruited.
To sum up, there are nine "misunderstandings" in buying a house. We might as well analyze and study them one by one and seek a "prescription" to solve the problem at the same time.
Myth 1: the developer of superstition
Remember Cai Ming Guo Da's sketch "Dream Home"? There's a line that goes like this-
Guo Da: When I bought a house, you said there were more than 65,438,000 towering trees in this yard. Where are they?
Cai Ming: In the yard.
Guo Da: Only some saplings. If you don't look carefully, you will think that a row of onions has been planted.
Cai Ming: Don't worry. /kloc-After 0/00 years, they will grow into towering green onions.
Guo Da: Also, your advertisement shows swans flying in the sky and fish swimming in the pond. Where's the fish?
Cai Ming: The swan ate it.
Guo Da: No, what about swans?
Cai Ming: I'm full and flying.
Guo Da: Why do I meet all the people?
Cai Ming: What a coincidence.
Not to mention anything, everything is "speechless". Many Chengdu people get information about buying houses from advertisements of various real estates, but they don't know that the beautiful lines of real estates are actually "good wishes" concocted by developers who hire writers. Whether this "wish" can be realized depends mainly on the strength and conscience of the developer.
Solution: developers can't listen to everything they say. Any house is the best in the eyes of developers, but the administrator or doorman actually knows more about the house and the environment. Therefore, you must be "seeing is believing".
Myth 2: superstitious "real estate experts"
Now experts and scholars in all fields are "studying" real estate.
But the real situation is that many so-called experts and scholars have never even experienced the process of buying their own houses. They don't know anything about the real estate industry. They don't know anything. Maybe they live in a house allocated by the state, or a house given by a real estate developer. How can they know the real situation of Chengdu real estate market? !
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.
Myth 3: Buying a house is better than renting a house.
Is it cost-effective to rent or buy a house? There have been many people arguing. Let's make an analogy: Chengdu has the same house, and now the gap between the monthly supply and the rent of commercial housing is very large-the monthly supply is often large, but the rent is very small.
Then, calculate a visible account: the down payment for buying a house plus decoration and furniture and appliances will cost at least 120,000 yuan or more in the early stage, and the monthly payment will be 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: do a good job of calculation, ask for other people's opinions, don't worry too much, and then choose to buy or rent a house after careful consideration.
Myth 4: Take a quick look at the house.
Buy a house by stages and an existing house. At present, most transactions are relatively fast. Many people in Chengdu say that it is better to buy an existing house. But what do you know about existing houses? How to evaluate the quality of existing houses?
Let's give an example. Many people look at houses during the day. In fact, in the evening, we can examine whether the residential property management pays attention to safety, whether there are regular patrols, whether the safety precautions are comprehensive, and whether there is noise interference caused by vendors. We can't see these situations during the day, and only at night can we get the most accurate information.
Solution: You must do the opposite. You can't just look at the house, but also look at the surrounding environment and "Feng Shui", learn more and visit more.
Myth 5: buy a house in full.
Buying a house in full is definitely a wrong idea. Saving money is a fine tradition of China people, and saving money is also the first step in financial management, but we don't save money for the sake of saving money.
No money doesn't mean you can't buy a house, otherwise you can't keep up with the house price if you save enough money. Many people scrimp and save enough money to buy a house every day, and some even say that it is practical 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.
Solution: Try to buy a house with the least money, even if you have enough cash on hand. You know, borrowing money from the bank is more enjoyable than spending your own money these days. There are many people outside, so you don't have to worry about the bank at all.
Myth 6: The cheaper the better.
As everyone knows, cheap goods are not good, and expensive goods must have expensive value.
The real estate market will always be like this: the cheap ones will get cheaper and cheaper, and the expensive ones will always be more expensive. In fact, no matter where in Chengdu, many cheap houses will not increase much, while expensive buildings will soar quickly because they are expensive from the beginning.
Solution: Be sure to buy the best, whether it is easy to add value or change hands later. If you really have no money on hand, you might as well not buy it, because buying it badly is also a debt asset.
Myth 7: Buy up and don't buy down
It is a strange psychology to buy up and not buy down. This kind of psychology is often used vividly by developers. In many real estate sales sites in Chengdu, you will find a long queue, but you don't know that many of them are entrusted by developers.
The housing market may 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. Therefore, it is dangerous to follow suit, especially when you buy real estate as an investment.
Solution: When people around you are buying houses in the market, you'd better not join in the fun, because there is a price to pay. 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.
Myth # 8: Buy a house at one time.
Some Chengdu people spent a lot of money to sell their houses for so-called disposable places, only to find out later that it was a waste.
Many things are changing. Maybe you think so today, but in a few years, your personal family, work, occupation and economic income 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?
Solution: Being in place once is just your ideal choice now, and anything can happen halfway. I suggest you only plan 10 years at most. No one will ever know what will happen in the future. Good or bad will definitely exceed your blind imagination now.
Myth 9: Real estate speculation must be earned.
Many Chengdu people, after seeing how much their houses have risen, feel that they have worked hard for many years, and it is better to speculate in a suite and earn more, 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. The procedures for realizing the house are complicated, with various taxes and fees and a long cycle. When it comes to adjustment, or your eyes are not accurate, it is hard for you to get rid of it. In the end, we can only passively "real estate speculators", suppress funds, consume time and affect our work. In the end, it was really not worth the loss.
Solution: Never have the mentality of short-term speculation, but have the mentality of long-term investment. 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.
(The above answers were published on 20 15-08-05. Please refer to the actual situation for the current purchase policy. )
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