Eight common misunderstandings of Chinese-style house purchase have influenced generations.

The property market has never stopped, and it is particularly hot this year. For many people in China, buying a house seems to have become a group effect, whether at home or abroad. However, there are several common misunderstandings in buying a house in Chinese style, which have affected several generations.

Myth 1: Buy a house in one step.

This is common among the older generation. People born in the fifties and sixties have experienced hard times and deeply realized the difficulty of making money. For a family, buying a house costs tens of millions or even millions of yuan, which can be said to be the painstaking efforts of the whole family. Many people just want to buy a house with a good location, good apartment type and good floor ... which is actually very difficult. Lot of good huxing good price slightly higher, cheap and disdain, often so hesitant, house prices rose a little, but the house has not been bought. Therefore, don't always think about buying a house in one step, but have a strategy. If there are not many people in your family, you can buy a smaller one first, and then sell it for a larger one in a few years, but it should also be based on your family's economic situation and housing needs.

Myth 2: Buy up and don't buy down

Buying up and not buying down is the psychology of most people. They think that if they don't buy now, they will go up. If they buy, they will expect the house to go up even more. If they don't buy, they will expect house prices to fall again. For those who just need it, they need to make rational judgments according to their own situation and make long-term plans, such as what is the reason for buying a house, where to buy a big house with the current funds, whether there are plans to change houses after buying a house, and so on. Don't just care about the rise and fall of house prices. It is important to know whether they are ready to buy a house now.

Myth 3: save enough money before buying.

You must have heard a story about an old Chinese woman and an old American woman buying a house: an old China woman saved money all her life and finally bought a house. As a result, she died within a few days. The American old lady bought a house with a loan when she was young, and lived all her life, and paid off her mortgage in less than 20 years. In today's soaring housing prices, people who borrow money to buy a house like American old ladies are more likely to realize their dream of buying a house. However, if the old lady in China is placed in the north, Guangzhou and Shenzhen, she can save up to buy a toilet all her life.

Myth 4: I also buy real estate speculation.

As mentioned at the beginning, buying a house has become a group effect. When the property market is on fire, some people buy houses not because there is demand, but because they see people around them buying houses and investing, and they follow suit. You know, as a fixed asset, it is not easy to sell a house in a short time. Furthermore, if you buy a rotten house when you invest, and the house depreciates in the future, you can't afford the mortgage. The bank not only has the right to take away your house, but may also ask you to compensate for the difference after the fall, and it will be too late to regret it.

Myth 5: Write the child's name on the real estate license.

Some people are used to writing their houses under their children's names, thinking that they will give them to their children sooner or later, and it will be too much trouble to change their names later. As we all know, writing the child's name on the real estate license will have some adverse effects: if the child buys a house as an adult, it will be affected by the purchase restriction policy and pay more down payment and interest. Once the property tax is levied, children may have to pay property tax when they buy a second suite after marriage. These factors must be carefully considered before adding a name.

Myth 6: Renting a house ignores the cost.

Renting a house is to repay the loan of another house with the rent of one house. Renting a house is not suitable for everyone. As a long-term investment, we must consider the vacancy rate of the house. For example, in some third-and fourth-tier cities with small population mobility, houses cannot be rented out, and costs such as property fees and heating fees have to be brought in. Therefore, those who are interested in renting must choose cities and lots, such as large and medium-sized cities with large population mobility and lots with developed urban transportation. At the same time, we should pay attention to the vacancy rate in this area, set aside enough funds to spend the "vacancy risk period" and make full preparations.

Myth 7: Listen to all kinds of advertisements.

The most important principle of buying a house is to resist flicker, especially when it is so hot this year, all kinds of advertisements about real estate sales are overwhelming, and some buyers get stuck in their heads when they are hot. As a result, after buying it, I found that the advertising plan did not conform to the actual situation, and even the real estate license could not be taken out. Therefore, when buying a house, in addition to checking the other party's documents, you must also visit the site. It's best to consult professionals and write the housing planning and breach of contract clauses into the contract, in case of problems, there is enough evidence to protect rights.

Myth 8: Hire the first broker you meet.

Some inexperienced buyers will cooperate with the first real estate agent they meet. Actually, it's better to see more brokers. Choose several candidate brokers, meet them individually, make sure they get along well, agree with their working methods, and choose the broker that best meets their needs. Because apart from the seller, I'm afraid the real estate agent is the one who contacts you the most. A reliable intermediary can help you improve the efficiency of buying a house, and an unreliable intermediary can only add to yourself.

Before buying a house, we must make clear a few questions: why do you want to buy a house, where do you want to buy a house, how big you want to buy a house, whether you have enough money, and whether you have any plans to change houses in the future. In short, you should always be rational, because buying a house affects not only you but the whole family. Although the property market is on fire, don't forget the principle.

(The above answers were published on 20 17-0 1-09. Please refer to the actual situation for the current purchase policy. )

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