The background,
Because of years of working and saving, can reach the point of buying a house. I have been looking for a house for a long time.
Second, talk about the trend of housing prices
After each RMB devaluation and inflation, economic growth will be ushered in. Especially when the epidemic happens in 2020, in order to support economic recovery, the country will cut prices in 2020 and then raise prices in 2021. As was the case with SARS more than a decade ago, the housing price was at its lowest at that time, and it was on the rise before and after this period.
However, as the government requires housing to be occupied only, there will not be a spike like that from 2015 to 2018. For example, after the declaration of housing to be occupied only, there will be a decline in 2019 due to the peak in 2018, which happens to be a slight decline in 2020 due to the epidemic. In the follow-up economic recovery, housing price will resume to rise, leading to a rise in mortgage LPR interest rate, more money to pay back, resulting in fewer people dare to buy disorderly, so the housing price will rise but will not be copied.
The value of a house has several factors, see below.
Three, look at the house prerequisite factors
- Set your budget first.
- See is to live by oneself or investment property, still since oneself live also want to invest.
- Look at your own requirements for the house.
- Consider the trade-offs of housing conditions within a fixed budget, because there is no such thing as perfection, and if you want perfection, you need more budget.
Four, house value factors
The value of the house is because of the following, but with a fixed budget, you can only filter and trade off the most desirable points. When viewing a house, you should also pay attention to the following points. Look at the house carefully, to show sincerity to buy.
Whether there is subway > see local have good > building age > living comfort > elevator > surrounding business circle > primary school > medical treatment
Is there a subway?
This is the primary factor, related to the purchase of the next sale is convenient to work. The property must be within a 1km radius of a subway station, either for self-use or investment. Because now buy a house mainly is the person between 20~35 years old, old people are seldom say just need to buy a house. People at this age are mostly office workers, so they give priority to travel before primary school and medical treatment.
Now in 2021, the comparative advantage of housing in Guangzhou is Huangpu > Haizhu > Panyu > Asian Games City > Science City > Xintang.
The first ring is haizhu Yuexiu Tianhe, the second ring is Panyu, the third ring is Huadu and Nansha, and the fourth ring is Conghua and Xintang. If it is five years ago to buy huandu and Conghua, Nansha can also consider, they are investment nature, now because there is not perfect business, enterprises, supporting facilities, those are early outsiders to cheap morning car with registered permanent residence. It’s not a good time to buy it now, it won’t go up much and it’s far from the city centre. Good now but to huangpu to build science and technology enterprises, pazhou, build the Internet center, business center, panyu, but han brook near the house a lot of long lung are apartment lead to less people, want to see it belongs to the heart of the panyu square, panyu square to the east and south direction developed to wait for years before. But living comfort to calculate Asian Games city is easy to live.
See if there is good local
For example, if a piece of land nearby is auctioned, this can be learned from sales. As long as it is auctioned, shopping malls or houses will be built, the price of nearby houses will be driven. If the government wants to promote a certain place, to create technology enterprise zone, nearby will also appreciate.
The property value
The age of the building is because of the loan time problem, resulting in the purchase of a house and then sell the next person is good to take over the problem.
Length of loan
Building age 30 years years of commercial loan + building age <=50 Years of provident fund loan + building age <=40 so: years of commercial loan =20 years of provident fund loan =10
If you buy a 20-year old house and let it go for 10 years, the building will be 30 years old. If you sell it at this time, your commercial loan can only be borrowed for 20 years, and the loan of provident fund can only be borrowed for 10 years. In this way, the person who takes over will be under great pressure, because the monthly payment is required to be half of the salary.
The smaller the loan, the higher the monthly payments, making it difficult for many people to take on a 30-year-old home. If you’re buying a resale, buy a comparative advantage between 10 years and 20 years.
The elevator
Buy a house proposal to buy elevator room now, do not suggest stair, unless for the city center degree and budget not much of the situation just buy haizhu, Yuexiu, tianhe good elementary school stair room. These houses are not worth much in the future, the elevator room is worth more, and the elevator can also be installed.
Living comfort
Pay attention to whether the balcony of the house faces the road, which can be noisy and affect life. Is there a food market downstairs? If it is close to the commercial road, there will be more bars and restaurants downstairs, which will affect life with smells. So the best is to have balconies on the inside of the community. But this will be more expensive than facing the street food market.
The direction of
It is better to Orient to the east, because it is windy in Guangzhou now. If you live in a house facing south, the hall and room face south, and there is no shelter on the opposite side of the window, it is not very windy, which leads to hot summer. Instead, it will be windy in the east. The houses facing north and west are not very good, especially the north is hotter in winter.
privacy
Will they face the opposite building, the distance is relatively close. Since it is easy to see the activities in the hall or room from the opposite side if they are close to each other, the curtains will be closed or the Windows will be closed for hiding, and the wind will be low after closing.
In fact, there are many in order to get on the car first, give up the comfort of living, because they are investment attributes, will be replaced in the future. So buy a house that is easy to sell first, with low comfort, and then change.
decorate
Decorate 3 thousand one square calculate now, also want hundreds of thousands of decorate cost. If the second-hand room is better maintained, you can compare the decoration cost to other houses.
Peripheral business circle
Is there a mall, food. This represents the flow of people, a lot of people, a lot of people living nearby, and a lot of people coming from other places to the current location, so the current location is easy to sell in the future. If you want to live comfortably, you can choose the subway station first, and then find the business circle/overtime/market in the subway station, a little farther away from these places or the balcony of the room in the community, such a house will be quiet, but such a house is relatively expensive.
Primary school
If you are not from first-tier cities, you buy a house for your next generation to get a foothold in big cities, especially college students. The best place to buy a house is near a school. In fact, panyu although cheap, but after all, there is a suburb, many primary schools are some very casual names, a look is the district level. But it depends on the budget. Budget a little better on haizhu, better to see whampoa. Asian Games city also has guangtie primary school, but there to develop 10 years before the effect. Whampoa, Haizhu over a few years of housing price growth can see the effect. But these can first get on the car, buy a nearby primary school or poor primary school house, and then change the house, because the house will rise, the subsequent change of house is more convenient.
infrastructure
When the door observation, remember to observe the water pipe layout position, whether there are changes in the water pipe. See if the chimney goes out the window, or if it goes out the window, see if the bedroom window faces someone else’s kitchen. It’s a relatively new practice to see if the chimney pipes into the wall, but this way, if the pipe burst somewhere on the floor of the building, it could cause a bad smell.
medical
It’s not so important for young people to buy houses. The pain is less, mainly parents to live in the case, only to consider, but the current community nearby no hospital also does not matter, far 5 subway stations have a hospital in fact can also.
Don’t be the top floor
High temperature. In case the roof leaks, fix it yourself, although the probability is low, but the weather is a problem.
Bargaining
There are three parties present — agent, buyer, seller. Look when the house must behave very seriously, see more than 20 minutes to half a minute, in order to show sincerity.
Love card
- Praise the other party, good eye, can buy a good house, buy early, flattery.
Get information about the other party
- Find out why they are selling and see if they are in a hurry.
- Find out about the seller’s family, whether his parents have money.
bargain
- The direction of his house is not good.
- When bargaining, give yourself the upper hand. If the seller says it’s ok to sell or not to sell, we respond by not trying to force a sale. Confirm whether the other side has buying and selling intention first. It doesn’t matter. We can look at other listings.
- Start by stating that you have several apartments in your sights and will take whichever is cheaper on hand.
- Take out the same area, the same number to contrast, let the other side see is beyond the average level.
- Take out the same neighborhood, in the same direction to see the average price of big data sales.
- Poor, explain their own situation, not enough money, mainly their ability to lack, can not ask their parents for more money to subsidize.
position
- If they want us to make an offer, we don’t. We wait for them to make an offer. As a job. As long as the consumption of the other party’s time, the other party will be more impatient. Give the sample price of the same area.
- I explained to the intermediaries present that I had seen many of them and visited many of them, and I had taken the last few to compare them, indicating that the rest was the price problem.
- We have all our papers.
Five, processes,
To prepare
- Ask the age of the property ownership certificate
- The housing authority issued a certificate of absence
- Ask if furniture, appliances are left
- If you have a tenant, when will you vacate
- Ask how many years the loan will last
- What is the deposit for
- Personal Provident fund information form
- Contribution card
- Income proof
- Half a year running water, advance to do more can also be
Operation process
- Search and sign paper contract for 1 day
- Deposit 1 day
- Net sign, hand in your information,
- Sign mortgage to do capital to supervise 1 day
- Wait 15 days for the loan approval application
- After provident fund sign face to face, transfer down payment 7 days
- Tax transfer, certificate issued
- Deposit, loan, put the final payment to capital supervision.
A total of 4 months.
Six, QA
- After the deposit net sign risk. Will not pay the deposit, be cut single net sign.