Buying a house in Nanjing: Calculate how much your house will cost to break even?
Not only is the new housing market as high as chicken blood, but second-hand housing is better.
Recently, the real estate transaction registration centers of Huaqiao Road, Zhongyang Road and Daguang Road in Nanjing began to handle the number-taking business of the real-name registration system registration system, and the number-taking window had long queues, and the trading hall was more popular than the previous working day.
However, after entering the market at a high price, have you calculated how much the house you bought will rise in the future to break even?
1, average price: the price of the real estate for sale in this area (in the area where there is no room for sale at present, the opening price of the next batch is conservatively estimated with reference to the opening price), subject to the quotation of the sales office;
2. Housing area: the improved area is calculated as 120 square meters, and the just-needed area is calculated as 100 square meters;
3. Total repayment amount: 30% down payment, 30-year pure commercial loan, and the latest interest rate is 4.9%;
4. Calculate the house price simply and rudely, and the data does not consider inflation and other factors.
Central Hexi
As the ceiling area of Nanjing property market, there are many luxury houses in this area. At present, there are only three properties on sale: Hongtu Shuiyunjin, Jinyu Amethyst House and Liancheng, in addition to Beichen Xuhui? Boyue Jinling, Serene Du Ming, Hua Xincheng Phase II, Dongyuan Hexi Central Military Plot, Poly G39 Plot, Shanghai Construction Engineering G68 Plot and other pure new projects.
Among them, the first-phase houses of Hongtu and Jinyu are all sold out, and the average price of the second-phase houses to be pushed this year will be 42,000-45,000; Pure new Serene Du Ming, the outdoor price is as high as 45,000 yuan/square meter.
Now we will calculate according to the minimum standard of fresh air price, 42,000 yuan/flat and area 120 square meters:
Total price: 42,000 *120 flat = 5.04 million.
Down payment: 5.04 million * 0.3 =1510.2 million.
The total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 6.75 million.
The total cost of purchasing a house is ≈ 8.26 million.
Only when the house price rises to 69,000/flat can the capital be guaranteed.
River island
With the closure of Yincheng and Poly, Shenglong Park Road and Renheng Oasis New Island also went straight to 30,000 from more than 20,000 last year, and Shenglong Park Road reached 38,000. In addition, another Jiang Xinzhou project of Shenglong will be listed this year, with a fresh air price of 60,000 yuan.
The average price is 36,000
The total price is 36,000 *120 flat = 4.32 million.
Down payment: 4.32 million * 0.3 = 1.296 million.
The total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 5.78 million.
The total cost of purchasing a house is ≈ 7.08 million.
Only when the house price rises to 59,000/flat can the capital be guaranteed.
He southwest
If we want to count the fastest-growing and most concentrated housing enterprises in Nanjing, then this is the south of Hexi. Shimao, Minmetals, Shenglong, Zheng Rong, China Merchants, Shi Lang, Luneng, Caesar, OCT and other big-name real estate enterprises have settled in, and the house price has successfully broken 30,000 yuan from the outshine others to the present.
Average price: 32,000
Total price: 32,000 *120 flat = 3.84 million.
Down payment: 3.84 million * 0.3 = 1 152000.
Total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 565,438+0.4 million.
The total cost of purchasing a house is ≈ 6.3 million.
Only when the house price rises to 52,500/flat can the capital be guaranteed.
Xianlinhu
Looking at the whole region, the projects currently on sale include Wanda Mao, Hi-Tech Jingrong, New Town Meet Blue Mountain, Jindi Lake Urban Art Scene, and Ye Feng love the water Shore.
In March, everyone had the intention to raise prices. Recently, many properties have been airing price increases, ranging from 300 to 500 to thousands. The fresh air price of Yu Xiang Blue Mountain in Xincheng is 23,000 yuan/flat, and Wan Damao said that the price will exceed 20,000 yuan/flat this spring.
Average price: 20,000 yuan
Total price: 20,000 * 120 flat = 2.4 million.
Down payment: 2.4 million * 0.3 = 720,000.
Total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 3,265,438+0,000.
The total cost of purchasing a house is ≈ 3.93 million.
Only when the house price rises to 33,000/flat can the funds be guaranteed.
Chengdong
The house prices in the east of the city vary greatly. As a high-end improvement area, the housing price in Zijinshan area has exceeded 30,000+. There are many new sites near Jinmen and Xianhemen Ma Lu. Last year, Xincheng Real Estate won the G4 1 commercial and residential plot of Jinma Road at the floor price of 19529 yuan/flat. It is conceivable that house prices will be high in the future, which will also make neighbors take advantage of the situation to raise prices.
Average price: 30,000
Total price: 30,000 * 120 flat = 3.6 million.
Down payment: 3.6 million * 0.3 = 1.08 million.
The total repayment amount of commercial loans for 30 years (interest rate 4.9%) is ≈ 4.82 million.
The total cost of purchasing a house is ≈ 5.9 million.
Only when the house price rises to 49,200/flat can the capital be guaranteed.
Gulou binjiang
In less than half a year, the land price along the Gulou River has risen from prefix 2 to nearly 30,000 today, and the future house price may stand at 50,000. The projects currently on sale in this area are also in a state of no room for sale. Even so, Longhu Chunjiang Chenzi, Zheng Da Thumb Square, Shenye Riverside Peninsula and Shimao Bund New City all said that they had pushed down 30,000 yuan. When other projects are ready to break through the 30,000 mark, the pure new MCC Shi Sheng Binjiang "runs across 3 and 4", and the fresh air price exceeds 40,000 yuan/flat.
Average price: 30,000
Total price: 30,000 * 120 flat = 3.6 million.
Down payment: 3.6 million * 0.3 = 1.08 million.
The total repayment amount of commercial loans for 30 years (interest rate 4.9%) is ≈ 4.82 million.
The total cost of purchasing a house is ≈ 5.9 million.
Only when the house price rises to 49,200/flat can the capital be guaranteed.
Yanziji new city
The price of Yanziji New Town has quietly exceeded 20,000/flat. This year, Jinpu Yu Zi Dongfang, Hongyang Yanziji G 17 and AVIC Yanziji G26 will enter the market. 20 16 1 month Rongchuang Yanziji G69 plot, the floor price is as high as 17945 yuan/flat, becoming the new land king of Yanziji. According to industry analysis, with the great improvement of culture, education, environment and supporting facilities in this region, the price increase of Yanziji will lead the north of the city within five years.
The average price is 22000
Total price: 22,000 *100 flat = 2.2 million.
Down payment: 2.2 million * 0.3 = 660,000.
Total repayment amount of commercial loans in 30 years (interest rate 4.9%) ≈ 2.94 million.
The total cost of purchasing a house is ≈ 3.6 million.
Only when the house price rises to 36,000/flat can the funds be guaranteed.
Pukou
House prices in the whole Jiangpu area have increased greatly, and the average monthly price of Poly Xijiang reaches 2 1 000. It is worth mentioning that at present, several hot spots in Jiangpu plate, including Faming Shimao Li Rong in Weisan Road Tunnel, China Resources International Community, Zheng Rongrun Jiangcheng in Weiqi Road Tunnel, Agile Riverside International and Poly Xijiangyue, have no houses for sale. With the concentrated push of "Jinyinsi" developers, Jiangpu plate is bound to usher in a new round of rise, and the regional hot plate has exceeded 22,000 yuan/flat.
Average price: 22,000
Total price: 22,000 *120 flat = 2.64 million.
Down payment: 264 * 0.3 = 792,000 yuan.
Total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 3.53 million.
The total cost of purchasing a house is ≈ 4.322 million.
Only when the house price rises to 36,000/flat can the funds be guaranteed.
Qiaobei
Among the sales floors in Qiaobei, the most obvious increase is Dahua Jinxiu Huacheng, which increased by 42% from 1.02 million yuan/flat at the beginning of last year to the average price of 1.45 million yuan/flat in February. Several other properties have also risen to varying degrees.
Average price: 1.35 million.
Total price:1.35 *100m2 =1.35 million.
Down payment: 1.35 million * 0.3 = 405,000.
Total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 65438+800,000.
The total cost of purchasing a house is ≈ 2.205 million yuan.
Only when the house price rises to 22,000/flat can the funds be guaranteed.
hi-tech zone
Shi Lang Future Block, China Merchants Lanxi Valley, Hongyang Li Shiguang, Yatai Mountain Yuhu, New Town Huayang Zijun and Greenland Yuefeng Mansion are on sale in the High-tech Zone. At present, there are no houses for sale in the area, and the outdoor prices of all plates are above1.4000/flat.
Average price: 1.4 million.
Total price: 1.4* 100 ping = 1.4 million.
Down payment: 1.4 million * 0.3 = 420,000.
Total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 1.88 million.
The total cost of purchasing a house is ≈ 2.3 million.
Only when the house price rises to 23,000/flat can the funds be guaranteed.
nine dragon lake
At present, there are only six properties for sale in Jiangning Jiulong Lake Plate, namely Poly Central Park, Xincheng Jiulong Lake, Cuiping Chengyuan, Qianlong Yujing, Vanke Emerald Park and Jing Jun Hua Ting. Up to now, the overall situation in the region is "one room is hard to find", and now only a few large-sized weifang in Xincheng Jiulong Lake and Zanglong Yujing are on sale. It is expected that from the end of March, the Jiulong Lake plate will usher in a new wave of listing, and four regional real estate projects will be pushed close to the source of thousands of suites.
Average price: 20,000 yuan
Total price: 20,000 * 120 flat = 2.4 million.
Down payment: 2.4 million * 0.3 = 720,000.
Total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 3,265,438+0,000.
The total cost of purchasing a house is ≈ 2.3 million.
Only when the house price rises to 33,000/flat can the funds be guaranteed.
The south of the city
In just one year, new sites such as Yuzhou Li Jiqing, Zhongnan Jinyuan and Jinpu Emerald Valley were added to the south plate of the city, and the prices of individual properties exceeded 30,000, and even some properties were sold at the price of 35,000.
Average price: 27,000
Total price: 27,000 * 120 flat = 3.24 million.
Down payment: 3.24 million * 0.3 = 972,000 yuan.
The total repayment amount of commercial loans for 30 years (interest rate 4.9%) is ≈ 4.34 million.
The total house purchase cost is ≈ 53 1 ten thousand.
Only when the house price rises to 44300/ flat can the capital be guaranteed.
kylin
With the positive gradual recovery, the housing price of Kirin Science Park has also been reflected, and now it has risen to 1.5 million+; In the old Qilin area, as a just-needed stabilizer, house prices have been at a low level in the region. Among them, the average price of Zhongnan Century Yayuan in March was as high as 1.8 million; China Shipping International Community Villa 1.85 million.
Average price: 1.6 million.
Total price: 1.6 million * 1.000 ping = 1.6 million.
Down payment: 1.6 million * 0.3 = 480,000.
Total repayment amount of 30-year commercial loans (interest rate 4.9%) ≈ 265,438+0.4 million.
Total cost of house purchase ≈262
Only when the house price rises to 26,200/flat can the capital be guaranteed.
slab bridge
Banqiao, because the subway has not been honored for a long time, has led to a slow rise in regional housing prices and has become the "most needed" in the main city. However, with the existence of Faming and Hongyang, and the benefits of Blu-ray and Harmony Wang Di, house prices finally rose slightly at the beginning of this year.
Average price: 1.4 million.
Total price: 1.4* 100 ping = 1.4 million.
Down payment: 1.4 million * 0.3 = 420,000.
Total repayment amount of commercial loans for 30 years (interest rate 4.9%) ≈ 1.88 million.
The total cost of purchasing a house is ≈ 2.3 million.
Only when the house price rises to 23,000/flat can the funds be guaranteed.
In today's rising house prices, what problems should buyers pay attention to when buying a house?
1. It is very important to sign a supplementary agreement to the house purchase contract before it happens.
The purchase contracts signed by buyers are standard contracts provided by developers, and buyers often cannot modify this clause. At this time, the supplementary agreement part of the contract is particularly important.
2. When the acceptance information is not uniform, the buyer may refuse to accept the house.
If the developer can't produce certificates and materials such as house completion acceptance certificate, fire acceptance certificate and house acceptance record form, the buyer can refuse to accept the house.
(The above answers were published on 20 16-03-23. Please refer to the actual situation for the current purchase policy. )
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