College students buy houses during the Spring Festival.

I was anxious to share the story of the rental agent running in front. Because of this, every young man who works hard in the city dreams of owning his own house! In the future, Xiao Er will collect more stories about buying a house, and I hope everyone can find their own figure in them.

@ Banxia Shi Qi

1, basic introduction.

Coordinates: Chongqing

Purchase time of the first suite: 2065438+March 2007.

Purchase time of the second suite: 2065438+June 2009.

2. How did the 20,000 deposit in the first suite get on the bus?

/kloc-graduated from 0/3 and worked in a bank until 18. However, when I first started working, I had no idea of buying a house at all. Without this awareness, I have been working hard to be a moonlight family (because the salary in the first two years was very low, which was only three or four thousand, and I spent it all at the end of the month without saving any money). I envy many girls in the group who have just graduated with the goal of buying a house and have been living a sober life.

After working for two years, I transferred to the business department, and my salary was a little better than before, and I began to save money consciously. At the end of 16 and the beginning of 17, colleagues around me have started to discuss buying a house instead of discussing stock funds. Colleagues bought houses in succession, and watched the house price in Chongqing rise from several thousand flats at the end of 16 to more than ten thousand flats at the beginning of 17. Yes, the first time I made up my mind to buy a house, the house price kept rising and was pushed away by people around me, but I just didn't want to fall behind.

At that time, my card deposit was only over 20,000, and my four-year working provident fund account was about 50,000. As for how to raise money before buying a house, our bank had employee credit loans at that time, and the interest rate was slightly lower than 4% (I forgot specifically). I only pay the interest every month, the principal once a year, and I can cycle the loan for three years. At that time, I borrowed100,000 as a reserve fund for buying a house.

I have been looking at the house since the Spring Festival on 17. The goal I set for myself is that the total price of a small apartment with one room and one living room is about 500 thousand. At that time, the down payment could be 20%, so the down payment could be controlled at around100000 (now I think it was still too conservative at that time). It's a pity that the houses in the core area of Chongqing don't have about 500 thousand rooms, one living room and one living room. I don't like single rooms. My ideal house is that the living room and bedroom must be separated. I have seen both the second-hand house and the new house. I have no experience in buying a house for the first time I am afraid of being cheated when buying a second-hand house. It was a seller's market at that time, and the price was the same every day. Personally, I suggest that novices don't have to bother buying a new house for the first time. Under the guidance of the intermediary, I bought a house in Liangjiang New District, which is a bit far from the core area. My area is close to the International Convention and Exhibition Center. There are schools and parks at the entrance of the community, and the planning is ok. The apartment type is as follows (suite 45, floor 58).

In this way, I completed my first real estate purchase with the down payment from the bank. It didn't take me long to take out the provident fund, plus my previous deposit of more than 20 thousand. I still need 30 thousand yuan to work for half a year before I can pay off all the loans.

3. The second suite finally bought back the core area.

When I buy a house for the first time, I know a truth very well: I can never use the salary in the system to buy a big house, because the salary I get is dead and the house price will always rise. I even bought a down payment for a small apartment with a loan. That was when there was no limit to the policy. Later, neither credit cards nor bank loans were allowed to enter real estate. At that time, I moved the idea of leaving the system, and personal growth must drive income. At that time, business was good, and a headhunter came to me. I simply went to a place with higher salary, more tiring work, more pressure and more arduous challenges.

That's too far from the point. After a period of new work, the deposit rate is indeed faster than before, and some funds have been saved. At this time, the two-year sale period of the house I bought before has also arrived. House prices in Chongqing have gone up again 18, 19. I resolutely released the small house I bought before and sold it in about a month. It turns out that the small apartment I just needed is still the mainstream of the market, and the price is 750,000. Besides, my savings are enough for me to buy another suite in the core area. The area I visited this time is obviously the core CBD area where I live with my parents at present, and the key point is to be close to home, because I lived alone for a month, and finally I bought a second-hand house with clear water and two rooms (suite 70, construction area 90) at a total price of 6.5438+0.28 million.

Emmm… it's still small in retrospect, but living alone before marriage is enough. After buying a house, I still have some money left, and I bought a car with the cost of mortgage and hard decoration (the soft decoration was saved while being installed at the back). In the year of 65438+2009, I completed three major events: buying a house, buying a car and decorating. Now we can be regarded as a family with a house and a car by our own efforts! After the summer of 2020, I will move to the house I bought and decorate it myself. I am 29 years old and feel that I have accomplished a great thing before I am 30 years old! Now I'm going to pay a down payment for my next big house. My goal for the next house is a villa or a large flat floor with an area of 120 square meters. I hope my partner and I can accomplish this goal together!

Summary:

After reading the replies of these two days, it is necessary to make a summary, which should be a reference for boys and girls who want to buy a house.

1, pay the down payment. Everyone's situation is different when buying a house. For example, I couldn't cash out the down payment for the first suite with a credit card loan. You don't have to use my leverage method. When buying a house, be flexible and make up the down payment. Of course, it is best to keep it yourself. If you can't save yourself, it's good to have family support for the first time, and then use other reasonable and feasible methods. The purpose is to make up the down payment before getting on the bus. Don't make up blindly.

2. Budget. You can complete the first part by collecting a down payment, and it also depends on how much monthly payment you can afford according to your income. Bank loan review is to see if one-half of your monthly income can cover all your monthly liabilities (mortgage+other credit).

3. Clever use of provident fund accounts. The baby who just worked must not forget that in addition to the money he saved, there is also the provident fund paid by himself and the unit for buying a house. The first choice for buying a house is to use provident fund loans. In Chongqing, my city, only the first suite is eligible for loans, and the second suite is not allowed to take provident fund loans, but only commercial loans. Then, after buying a house (whether new or second-hand), if you don't take the provident fund loan, you can apply for a commercial loan in the provident fund account.

4. Improve your productivity. Everyone wants to buy a house and own their own property. For college students, buying a house is only an end, and the means to achieve this goal is the most important. Buying a house needs money. You can reach out to your parents once, but you can't find them every time. Don't always think about how to make a down payment and borrow money at this time. Buying a house has passed the golden period of making money now, but we live in a humble abode and try to take root in this huge city and buy a suite.

Encourage each other ~