What does it mean to buy a house?

Interpretation of real estate house ownership Real estate house ownership is the abbreviation of real estate house ownership, which is the general name of a series of activities such as buying land and houses and exchanging real estate, including house sale and lease. Choice of mortgage type. Edit equal mortgage and decreasing mortgage in this paragraph.

Open banks: Almost all banks.

Keywords: popularization

Features: The most basic and common commercial housing loans. As the name implies, matching mortgage means "paying the same amount every month" until all principal and interest are paid off; Decreasing mortgage, that is, the mortgage form of "more initial repayment amount and less later repayment amount", belongs to "tight before loosening" in repayment method.

Suitable for people: equal mortgage is more suitable for working-class people with stable income, and decreasing mortgage is suitable for people with strong repayment ability in the early stage.

fixed rate mortgages

Bank of deposit: China Everbright Bank, China Merchants Bank and China Construction Bank.

Keywords: interest rate stability

Features: Choosing a fixed-rate mortgage means that the loan interest rate is fixed during the repayment period and is not affected by floating interest rates. Regardless of whether the bank loan interest rate is rising or falling, the fixed-rate mortgage means that the total repayment amount remains unchanged.

Suitable for people: people who have high requirements for cost calculation or are quite confident in judging the interest rate prospect. If you expect the loan interest rate to rise, choose it.

Balloon loan

Bank of deposit: Shenzhen Development Bank

Keywords: high selectivity

Features: For example, if you choose a five-year "balloon loan", you can extend it to 20 years if you don't get the loan after five years, but you enjoy the loan interest rate for five years in the first five years.

Suitable for people: people who have the willingness and ability to repay in advance. If the customer has a good repayment record of "balloon loan", the remaining principal can be refinanced after the "balloon loan" expires.

Grace period for repayment

Bank of deposit: Zheshang Bank

Keywords: the repayment period can be extended

Features: If the borrower fails to perform the contract during the repayment process, the repayment period can be appropriately extended by means of grace period repayment. For example, the commercial housing loan of 10 year, in the ninth year, the payer's income dropped sharply due to job transfer, and he could not repay it in the last year. If he goes through the formalities of grace period repayment, he can convert the remaining money into three years or even longer, thus reducing his repayment pressure.

Suitable for people: people whose repayment ability and economic situation may change greatly.

Direct customer mortgage loan

Bank of deposit: China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, etc.

Keywords: one-time payment

Features: The bank directly credited the borrower's purchase money to the customer's account. In order to encourage consumers to pay in one lump sum, many developers have formulated many preferential and incentive measures. If direct customer mortgage is adopted, consumers don't have to disclose the real situation of mortgage and get the benefit of one-time payment directly.

Suitable for the crowd: the developer of the purchased house has a large group of people who buy houses with one-time payment concessions.

Relay loan

Bank of deposit: Agricultural Bank, Shenzhen Development Bank, China Everbright Bank and China Merchants Bank.

Keywords: change of repayment person

Features: Most banks require the borrower's age. For example, some banks stipulate that borrowers must be under 60. If a 58-year-old person wants to borrow money to buy a house, the repayment period can only be two years. If he uses a relay loan with a loan term of 20 years, he can become a lender with his children and return the remaining 18 years to his children (some banks stipulate that he is an immediate relative).

Suitable crowd: people over 40 years old.

Two-week supply

Bank of deposit: Shenzhen Development Bank

Keywords: speed up the repayment frequency

Features: Compared with other commercial housing loans, the monthly deduction is one year 12 times, the repayment interval of biweekly loans is strictly 14 days, and the repayment is about 26 times a year (up to 27 times in some years). By speeding up the repayment frequency, the total interest expense can be reduced. However, biweekly payment requires high repayment time, so you should ensure biweekly settlement.

Suitable for people: some people with stable and balanced income, especially the middle and high-end people in the mortgage business.

Bimonthly supply and quarterly supply

Opening banks: Some banks will open soon.

Keywords: can slow down the frequency of repayment

Features: It is still in the exploration stage. It is reported that some banks have put it on the agenda. Bimonthly repayment and quarterly repayment mean repayment once every two months or even once every quarter, which slows down the repayment frequency and increases the total interest. However, bimonthly and quarterly supply means more liquidity, and perhaps the booming securities market will accelerate the introduction of this loan method.

Suitable for people: people who have special requirements for personal business turnover, but also suitable for people with busy business and frequent business trips.

Editor: Although there are many ways for banks to repay loans at present, all kinds of commercial housing loans are based on the basic mortgage methods stipulated by the People's Bank of China-equal mortgage and decreasing mortgage, which will never change: the more bank funds are occupied and the longer it takes, the more interest expenses will be paid, and vice versa. For ordinary property buyers, buying a house accounts for a large proportion of life expenses. In the face of a wide variety of commercial housing loans, only by remembering this "law" and choosing the varieties suitable for your own situation can you take the initiative in the economic game. Buying a house experience: if you buy a good house, you will be satisfied. Edit this paragraph to buy a good house and be content with it.

When we talk about houses, when we are in a dilemma about the room type, when we are not sure about the house price, maybe we always think, "Oh, how many houses can we buy?"

As a buyer from Tianya, I personally think, "How many houses can I buy?" You must "know yourself first" and then "learn from each other" to get "contentment".

Know yourself and yourself.

The so-called "know yourself and know yourself", knowing yourself and know yourself is reflected in doing what you can. The most rational, calm and risk-free premise of buying a house is to understand what you have and then take what you need. For a fund with only 250,000 yuan and only 80 square meters, the goal of family happiness can be achieved. Why force 100 square meter, and calculate the pain of daily necessities tomorrow? For the convenience that family members can come and go from time to time as long as they live nearby, why bother to go away from home and be separated by thousands of miles? It is enough to live in a bright, clean, convenient, safe and suitable place. Why think about Wangjiang's mansion where you can watch the sun, enjoy the moon and listen to the sound of water? Only when you know yourself can you be kind to yourself.

Knowing who you are is manifested in grasping the big and not letting go of the small. The big ones include the development direction of urban planning, the investment of urban municipal construction, the embodiment of regional value, the surrounding residential facilities, the composition of development team, the approval procedures of project planning, the total price of apartment types and so on. Instead of letting go, we should look around and ask questions, hoping to see more and take a walk around the project; The smell lies in listening and thinking through various channels; The problem is that relatives and friends should discuss more and talk more; The key is to read more and remember more policy articles.

learn from each other

Let's talk about how to learn from each other. Many people are eager to have a good location and a good apartment when buying a house; Low price and large area; Focus on primary schools and clubhouse swimming pools; We must definitely appreciate, and then go up again; Europe, America, Rome, Suzhou, Hangzhou and Jiangnan. The pursuit of perfection and everything is true, but the ideal is based on practical efforts. Houses can be done well and beautifully, and there will be many luxury houses, but what kind of investment will eventually have the same output. Well done, many final costs are linked to the selling price, and some developers may be willing to invest on their own, but after all, there are few.

What house suits you? What community do I need most? Actually it varies from person to person. Some are for children to go to school, some are for a large living space, some are for the right price, some are for the convenience of going to work, and some are for being close to family and friends, so what you want most, what you need most, and what you can afford are the most important. Don't get tired of living for a room, and don't forget to live for face.

Therefore, when buying a house, we must "know ourselves and ourselves" and then "learn from each other's strengths" to get "contentment".

The details of the loan cannot be ignored.

Mortgage experts suggest that many details need to be carefully calculated when buying a house loan.

One of the details: choose a bank before lending.

At present, different commercial banks have choices in down payment ratio, loan term and loan interest rate. In particular, they all have personalized personal loan plans for different groups. Even if some customers have already applied for personal housing loans in banks, they can transfer their housing loan business to banks that are more suitable for them through the refinancing services provided by some commercial banks, so as to enjoy all-round mortgage financial services.

Detail 2: Choose the interest rate.

Interest rate is the most important price factor in mortgage loan. If buyers think that interest rates will continue to rise in the future, they can choose fixed-rate loans when lending to avoid the cost risks caused by future interest rate increases; If the buyers think that the interest rate will continue to decline in the future, they can choose floating interest rate loans to avoid the cost risk caused by the decline in the interest rate of fixed interest rate loans.

Detail 3: Make good use of the provident fund

Because the interest rate of provident fund loans is relatively favorable, it is very important for customers who pay the provident fund every month to make good use of their own provident fund. At present, the amount of provident fund loans applied by customers generally does not exceed 80% of the total house price at most, and the longest loan period is 30 years; The commercial loan amount (above 90 square meters) shall not exceed 70% of the total house price, and the longest loan shall be 30 years; The construction area of a single set of one-hand self-occupied housing is less than 90 square meters (including 90 square meters), and the loan according to the customer's credit status does not exceed 80% of the house price; At present, the loanable amount of portfolio loans is that the sum of provident fund and commercial loans does not exceed 70% of the total house price.

Detail 4: Avoid overdue penalty interest.

It is very important to ensure timely repayment every month. If you don't repay the loan in time because of carelessness or other reasons, you will not only pay the penalty interest to the bank, but also affect your credit history. This kind of loss is far from being compensated economically. Therefore, borrowers must have a long-term and prudent consideration of their repayment ability when handling personal housing loans. According to the statistics of Guangzhou Housing Management Bureau, in June 2006, the price of commercial housing in Guangzhou reached 6 1 163 yuan/m2, which is the highest since 1997. Roughly speaking, the increase is about 10%. Macro-control, bank interest rate hikes, rising building materials prices, rising real estate prices ... Rising housing prices have aroused strong concern of property buyers, especially those who have plans to buy houses in recent years. It can be said that they are holding money for purchase, but the rising house prices have given them a blow. The following are some traces of buyers during the New Year's Day shopping in 2007. Their way of buying a house is to cope with some attitudes in the current market-what kind of home ownership do you belong to?

Wait and see buyers

Buy only when necessary.

Miss Hu is engaged in advertising. She has worked in Guangzhou for five years, and her monthly income is about 8000 yuan. Originally, she planned to buy a house this year and spend the New Year with her parents in her hometown. Therefore, she began to pay attention to the newly launched housing in the property market from May 1 day. Miss Hu's favorite is Tianhe District. Because she has worked in Tianhe for many years, she did not consider the real estate in other regions. However, the house near Tianhe District Park has approached 6,000 yuan/square meter from 4,000 yuan three years ago, and the slightly better unit price has risen to 7,000 yuan/square meter. The price increase is too fast, which makes Miss Hu feel distressed. In the face of some people who are eager to buy a house in the tide of rising house prices, Miss Hu seems relatively calm. She believes that unless there is a great demand to buy a "sky-high house", she will not consider buying a house. Although the property price seems difficult to come down, it is not particularly necessary to buy a house. So in the case of rising property prices and insufficient deposits, her initial plan is not to consider buying a house for the time being.

Investment buyer

Invest in a cost-effective house.

Mr. Liu saw a news before New Year's Day that a real estate in Haizhu District opened at a low price of 3,500 yuan/square meter. Now there is such a low-priced house on the market that Mr. Liu is deeply moved. He put down the newspaper and rushed to the market. It coincides with the subscription period within the market. The manager of the real estate sales department told him that he could enjoy the triple preferential measures of 98, 96 and 94 when he started to subscribe. It is estimated that the transaction price at the official opening of New Year's Day is about 3,600 yuan/square meter, which belongs to the low-end market. So Mr. Liu subscribed for two units in one breath, a large apartment for self-occupation and a small apartment for investment. Who knows that the day before New Year's Day, Mr. Liu received a phone call from the sales department, telling him that the house he subscribed for, after the discount, the transaction price of the large apartment was 4,200 yuan/square meter, and the transaction price of the small apartment was 4,000 yuan/square meter, including various discounts and discounts. At the same time, he was asked to go to the sales department at 8: 00 am on 1 month 1 day to subscribe. I heard that the clinch a deal price is far from the original subscription price, which is close to 600 yuan per square meter. Mr. Liu calculated and said no on the spot, so 1 month/day, and on the day of the official opening, Mr. Liu didn't go to the sales department either.

For property prices, Mr. Liu is sensitive, especially for investment customers, the rise in property prices makes them more cautious. Mr. Liu believes that although many economists think that the price increase is reasonable, there is still an upward trend ... but all this is determined by the market. He is skeptical about the appreciation of the investment value of first-hand new real estate, especially this little-known small property right house. He believes that investment in real estate depends on quality and price to win. If the quality is not good, the longer the time, the more the potential for appreciation and preservation will be discounted. In some downtown areas of Guangzhou, even the same lot of real estate, the prices of different quality real estate are different. The most obvious example is that the monthly rent of a two-bedroom apartment in the coastal garden of Pearl River New Town is about 3,000-3,500 yuan, while the two-bedroom apartment in Fisherman's Village across the road can only be rented to 1200 yuan, and the nearby farmers' houses can only be rented to 600-800 yuan, so the quality is the first. The quality is poor, the house is too old, and it will not be witnessed in a few years. Take Zhujiang New Town as an example. In the early years, several buildings were developed at the same time, some of which were very old because of planning and design problems, and the rent could not go up. Some of them remained unchanged for several years, and the rent was high, and they were very active, especially in the rental market. With the impact of new goods, low-quality buildings cannot compete with them. Therefore,

Owner-occupied buyer

Consider buying a second-hand new building.

The success of a new advertisement aroused many dreams about home. Originally, Ms. Zhang was going to buy a house in the suburbs, but the prices of several suburban markets she was interested in began to rise, and some properties rose sharply, while the second-hand property prices in the urban areas also rose. Therefore, Ms. Zhang gave up the idea of buying a second-hand building in the urban area and went to the suburbs to see the market. Ms. Zhang did not go to the sales department, but went to the community intermediary, hoping to find a cost-effective house here.

In Star River Bay, she found that the transaction price of the first and second phase riverside units here was slightly lower than the original purchase price because of the relatively high price and the opening of binjiang road. For example, the first phase 124 square meters three-bedroom with furniture and electrical appliances, 550,000 ~ 580,000; The transaction price of a two-bedroom apartment of 88 square meters is generally around 360,000 yuan; Almost equal to the transaction price at that time; Jinxiu Xiangjiang and Nanguo Olympic Park, there are not many second-hand new sites, with 80 square meters and two bedrooms, the building age is about 1 year, and the transaction price is about 360,000. The price of Jinxiu Xiangjiang is around 380,000, and the average price of second-hand new houses jumps to 4,500 yuan/square meter, almost catching up with the price of new houses here. So Ms. Zhang once again came to Qifu New Village, where the types of second-hand housing products are rich and diverse. There are all kinds of villas, multi-storey houses and high-rise middle-rise houses, with the age ranging from about 10 to about 1, and there are also many choices of garden view, lake view or mountain view. The choice of apartment type is more diversified. Miss Zhang is almost critical. The older the second-hand house, the cheaper the total price, while the price of the new second-hand house is not cheap. For example, a set of second-hand houses that cost about 654.38+03 million three years ago is likely to sell for 654.38+05-654.38+07 million yuan now. Of course, if the building is older than 10, the price will drop by about 10%- 15%. I want to find a new second-hand house, but I don't want it, because it is too old and too cheap, and there is not much cheaper in the new price, so I have to give it up.

After visiting the South China plate and learning more about the second-hand market here, Ms. Zhang finally found a new 75-square-meter two-bedroom apartment in Agile. Through negotiation, the transaction price was about 365,438+0,000 yuan. As the average price per square meter of the fourth villa in Guangzhou Agile has risen to more than 6,000 yuan, Ms. Zhang feels very "arrived".

Ms. Zhang's reason for buying a house is that the biggest demand for buying a house in the suburbs is to buy an environment. Although the price of each group is different, the community environment, education, transportation, living atmosphere and the whole community culture are enjoyed by all community owners. Therefore, in the case of high prices of new houses in the suburbs, it may be an option to choose a cheaper new second-hand house in the suburbs.

Owner-occupied buyer

Late purchase

The rise in house prices was unexpected, but 2007 was the year when Mr. Sun wanted to buy a house most. First, I don't want to spend money on renting, so I'm tired of renting. Secondly, for a person who doesn't have a house, how much the house price rises and how much the deposit depreciates, so I decided to buy a suite now. He decided to buy a suite in Tianhe District where he had lived for many years, but he couldn't accept the new price, so he focused on the developer's tail goods. "Buying a house for the first time can't be perfect", and its cost performance should be put in the first place, so he began to work in some "old" sales departments in Tianhe District.

Many things happen. He wandered around the deserted market for two months. On the recommendation of an intermediary company, Mr. Sun found a 94-square-meter stall in a real estate community in Tianhe North Yueken Road, with a transaction price of 320,000 yuan. Although the renovation is relatively old and needs to be renovated, the unit transaction price is 3 100 yuan/square meter. Mr. Sun is very happy to be able to buy such a value-for-money house near Tianhe North. It is said that when the developer retired the tail goods four years ago, all the tail goods were disposed of to the internal staff at the price of 3 1 000 yuan. After these employees got the house, it coincided with the low price of the property market and they have been unable to get up for several years. Coupled with the constant impact of new goods, the tail goods here have been vacant for several years. At the same time, in the development of these years, the houses here are not novel in terms of apartment type or decoration, and the possibility of getting rich at first is getting smaller and smaller. After several years of long waiting, these owners finally waited for the market situation of rising property prices this year, so they took the opportunity to put them on the market and sold them at the original transaction price.

Although the purchase of tail goods is worth the money, it can't be satisfied. The main reason why Mr. Sun can buy such a house is that he is willing to spend time and energy. Hardcover room: Are you ready to buy a hardcover room in this section?

The most important thing is honesty.

Dr.li shitao

I will choose a fully decorated house sold by a developer with high credit. Because of my busy work, I don't want to spend too much time and energy on house decoration. The fully renovated house just meets my needs. But what puzzles me is that developers are mixed, and some developers who don't talk about integrity are prone to decoration quality problems. I have also seen some media reports that the fully renovated houses bought by consumers have decoration quality defects, which eventually lead to buying a house and buying a "heart disease", delaying work and affecting life. So although I am very willing to buy a house in full, I will be very cautious.

Dong Jipeng, company employee

I am very optimistic about the prospect of a fully renovated house. In the community where I live, even if it has been delivered for several years, people are often engaged in decoration. The noise is really unbearable, but there is no way to stop it. If the house can be fully renovated, the owner can move in after getting the key to the new house and decorating it slightly, which saves the trouble of running around looking for a home improvement company and gives the neighbors a quiet space. At the same time, the developer is responsible for the implementation of the fully renovated house, and the quality should be as reassuring as the housing hardware. Even if there are quality problems, I can confidently hold them responsible.

The working class is most afraid of redeeming house prices.

Wang Hao, a company employee.

I agree with the fully renovated house, because I have been on a business trip for more than half a year. The company sympathized with its employees and rented me a fully furnished house. Working in other places makes life comfortable and convenient. I think it's good to rent a fully decorated house, but when buying a house, I won't choose a fully decorated house. The main reason is that although developers buy decorative materials in a unified way, which saves money than individuals, the decoration cost plus the house price makes the total price of the house rise. Among them, the decoration fee is very watery, and consumers have not received much benefit. The economic pressure of buying a blank house is relatively small, and the degree of streamlining of house decoration can also be decided according to your own preferences. Most importantly, you can know the cost of decoration.

Zhang Yin, a migrant worker

I have been working in Weihai for two years, and I have been renting my own house. The company doesn't have any housing subsidies, and moving is my biggest headache. I've heard of a fully decorated house, but I won't buy a fully decorated house or rent a fully decorated house. I choose those cheap rough houses for rent. My wage income level is not high, but the "Engel coefficient" has always been high. The rent of the whole house is generally very expensive, so I can't afford to rent it, let alone buy it.

Which should I choose, blank or hardcover?

Nowadays, when choosing a house, people have to face an important choice besides the consideration of lots, environment, huxing and other factors in the past, that is, the choice of rough houses and fully-installed houses. However, at present, there are different opinions on the evaluation of blank houses and fully-installed houses in the market, and each has its own reasons. So how to choose is the most important thing?

Blank house: I am in charge of my website.

Price characteristics: Under normal circumstances, the total price of rough houses is relatively low compared with full houses. Therefore, a considerable number of buyers of blank houses are working-class people. Due to the limitation of their economic strength, it is very likely that the decoration standard of the fully renovated house will be higher than their planned decoration standard, which invisibly increases their economic burden. When choosing a blank house, you can determine the decoration standard according to your actual economic situation.

Personality differences: With the improvement of people's living standards, people obviously can't meet the original requirements of "home ownership", and personalized and differentiated products are increasingly loved by consumers. Therefore, in addition to the relatively low price, blank houses can also meet people's individual needs. Property buyers can design their own private space according to their own preferences, needs and home ideals, while avoiding the waste caused by secondary decoration. Clear the cost: because the blank house needs to do it yourself during the whole decoration process, such as choosing a decoration company, hiring decoration personnel and purchasing decoration materials. Every expense is clear.

Well-equipped rooms: We can enjoy the experience and success.

Quality assurance: for the sale of fully installed houses, the development enterprise must sign a contract with the decoration enterprise, and the decoration enterprise is responsible for the decoration quality of the development enterprise; Property buyers sign contracts with development enterprises, and development enterprises are responsible for the decoration quality of property buyers. This clarifies the responsibility. Once there is a problem with the quality of decoration, one link will be deducted, and no one can shirk the responsibility.

Avoid interference: when buying a blank house, the owner will generally decorate it separately. Because the owner's occupancy time and decoration time are different, the noise and dust generated in the decoration process will inevitably affect the adjacent owners. According to statistics, it usually takes two years for a residential area to be renovated from the delivery of the house to the arrival of the last customer. Long-term construction noise interference has brought many troubles to the owners. The disposal of construction waste and the transportation of decoration materials bring pollution and damage to elevators and public parts. And fully renovated rooms can avoid these unnecessary interference.

Convenient occupancy: Most of the well-equipped rooms have complete facilities such as kitchen, bathroom, floor and air conditioning, and the owners can move into their new homes with their own furniture and luggage. Moreover, some fully installed houses also involve the warranty after the delivery of decoration building materials, and reputable developers can provide reliable after-sales service.