How did you buy a house in Wuhan?

I bought two houses in Wuhan. I didn't rely on anyone to help me with these two houses, nor did I borrow a penny from anyone. I worked hard to make money and bought it myself!

I bought the first suite in 2005! Introduce yourself first! I graduated from 1999 South China University of Technology (now China University of Science and Technology). After graduation, I went to work in Dongpi Group, but the salary was very low. My monthly salary is only 500 yuan. This salary makes me very depressed. At that time, when my tutor introduced my work, she said it was 1000 yuan. Only when I paid my salary did I know that I had only 500 yuan for employment, which was less than my part-time job in college. I don't go to work in anger. State-owned enterprises just don't go to work and get paid! In August, 2000, our state-owned enterprise was restructured, and I bought out the length of service and paid me 65438+2000 yuan. I gave 5000 yuan to my mother, and I opened a water shop myself!

In 2004, my hometown built a building and sent 35 thousand to my parents! One night in September 2005, I went to the Xinyijia supermarket on Qingnian Road to buy something. After passing Song Wan Road, I saw a real estate for sale. I went in to chat 10 minutes and directly swiped my card to buy a house with one room and one living room. At that time, the house price was more than 5,000 square meters, which was a finely decorated property! The area I bought is 38 square meters, and the total amount is about 200 thousand! I made a down payment of 654.38 million yuan, with monthly payment of 1000 for more than one month. In May 2007, the house was rented directly, and the rent was not bad. At that time, 1500- 1600 yuan could be rented. At the end of 2007, I paid off all the remaining mortgages! At present, the house is still for rent, and the rent is 2 100 yuan a month!

In 2008, I gave the water shop to a friend because the boiling water shop was tired. At that time, I had tens of thousands of dollars in my hand, and I was ready to switch to building materials. But I didn't know building materials, so I went out to work for a year. In 2009, I opened an integrated ceiling shop in Kangjia.

Because the house in Hankou is small and far from Kangjia, I'm going to buy another suite! But I have been dissatisfied with many houses because I want to buy a four-bedroom and two-bedroom apartment. Only the city near Konka has four rooms and two halls in Hancheng. I don't think the apartment is very good, and the area is still silly!

Here comes the dramatic scene. September 20 13, a friend of my friend came to me because he didn't have enough money to buy a house. He was going to borrow 70,000 yuan with interest of 5,000 yuan for three months. Because I save money regularly, I don't have that much money on hand to swipe my credit card to him. When I swiped my card in the sales department, I learned about this property by the way. The greening of the community is good, reaching 60%. Then, the apartment is very good and square, but I don't have the four rooms I want. It's a pity that I left my contact information to the property consultant!

On April 20 14, the property consultant called me and said that four rooms and two halls had come out and asked me to book them. I went to have a look, and the apartment was really my favorite four-bedroom and two-bedroom apartment, so I paid the deposit without hesitation. At that time, the house price should be the lowest point, less than 7000 yuan per square meter, and the four rooms and two halls I bought were only over 900 thousand. Two weeks later, I paid 80% down payment. Originally prepared to buy a car in full, relatives could not borrow money, so they had to make a down payment of 80%. 2065438+2005 65438+2005, the community delivered the house, and I asked my designer friend to make the drawings. I asked his whole class to decorate according to his drawings, and I bought materials to pay the workers. I used 200,000 to impersonate 300,000! The remaining mortgage was also paid off on 20 16!

This is my experience of buying two suites, because I am lucky and the price is not expensive! I finished my house before I was 40. Many people envy me. In fact, they don't know how hard it is for me to make money, because when I was a child, my family was poor and I could bear hardships more than anyone else. But now there is less pressure and less motivation. Now I feel that I have no desire for money. I think this is a very bad phenomenon. Later, I am going to buy another office building. I have to put some pressure on myself. How can people's potential be brought into play without pressure?

Hello, everyone, I am Xiaoyue's father! I have worked and lived in Wuhan for 15 years, and I really feel too hard along the way. Looking back on the road of 15, I have bought a three-bedroom commercial house in Wuhan through my own efforts, and I am flattered to see that my efforts have paid off.

I finished my senior one in 2005 (when I was still young, I didn't listen to my parents and finished my studies well. Now I think this is the biggest regret in my life. I came to Wuhan with my parents to learn the skills of making a living now. At that time, I just came out, my parents provided education for my brother and me, and I had no savings. A family of three lives in a rented house in a village of less than 10 square meter. I remember at that time, there was nothing in the rented house except a double-decker iron bed. There is no air conditioner, no water heater, no washing machine and no TV set, and the conditions are quite difficult. The family scrimped and saved. Later, the landlord felt that my family lived too much and wanted to raise our rent. At that time, we decided to buy a house of our own. At the end of 20 10, I bought a two-bedroom second-hand house in the old town of Hankou with the hard-earned savings of150,000. After simple decoration, we moved into our new house on 20 1 1 Labor Day, when the rent expired. Later, my brother got married and added two nieces, so the house was not enough to live in.

Because I had reached marriageable age at that time, I should also consider talking about friends. So, my family is going to buy a second house. In 20 15, the family raised enough 220,000 yuan to buy a three-bedroom new house in the new town outside the Third Ring Road. There are still 300,000 loans to be repaid. Now she is married and has children. Although life is still tight, as a rural person, I am proud to have my own habitat in a big city like Wuhan. The days are still passing, and I have never given up the pursuit of high-quality life. As long as people work hard, there will be bread and milk.

The above is my experience in buying a house in Wuhan. I hope that my friends can be encouraged to have their own nest and warm home in the city where they live. Thank you for your support along the way, thank you, thank you.

20 16 bought a house in Wuhan, and now he is engaged in real estate work in Wuhan. I have become a frequent visitor to major real estate sales in Wuhan, and I am very familiar with major regional and property market policies in Wuhan.

Let me talk about the purchase process of 16.

My main source of funds for buying a house is my parents. With his parents' savings, 14 could buy a house in Wuhan, but he just graduated and didn't know enough about the house. I don't think there is any demand either. Although my friends who are engaged in real estate have been urging me to buy a house, I still haven't started. There are four reasons:

Don't understand: I don't understand the property market and feel that it is not necessary to buy a house.

Second, short-sightedness: Wuhan housing prices are much more expensive than their hometown counties. When it is popular to go to the county to buy a house, it is better to buy it at home, and at the same time feel that the house price in Wuhan will fall.

Third, fear of debt: buying a house, owing a lot of money to the bank, rural people are not used to debt.

Fourth, I can't afford to pay the monthly payment: I just joined the company, my job is unstable, and my salary is not high.

In this way, it was delayed until 16 to start buying a house, and the process was tragic.

16 A down payment of 20% is not required for buying a house in Wuhan. The property market is in the seller's market, and it is normal for many properties to open "sold out by thousands of people".

I began to look at the house in March. The average price of the inner side of the Third Ring Road is 8000 ~ 9000 yuan/,and there are many properties to choose from. Optimistic about the location of real estate on the internet, afraid to call the sales department for fear of being harassed. Then I will take my girlfriend to see the house on weekends. Because I chose the right area and had a strong purpose, I went to the sales department by bus or subway.

1 The first time I went to the sales department, I was very timid and shy. After registering the registration number, the property consultant began to tell you this and that, because I didn't understand and asked few questions. At that time, the most frequently asked question should be the comparison between stairs and residents. Although I don't know the specific meaning, I still have to pretend to understand.

The advantage of taking the bus and subway all the way is that we can calculate the actual distance from the real estate to the subway bus station. According to this principle, we quickly chose a relatively good real estate with an average price of 8700, which was the beginning of the nightmare.

Although this property is nearly 20 minutes' walk from the subway entrance, after all, the subway is about to open, and the model room is ok. According to the meaning of the property consultant, the planning here is very good, so I paid a subscription fee of 5000 yuan and participated in the house selection in May.

In May, the house was selected for the first time. More than 700 people robbed more than 300 suites, but they didn't shake the number. They want to cry without tears. The developer promises that the subscription money will not be refunded, and the next opening can give priority to housing selection.

In August, the second election 1 1,000 people, more than 300 suites were still robbed. Finally, everyone at the meeting left, but we still didn't waver. This time, she and I really shed tears and could only comfort each other until the opening of the National Day.

From the house inspection in March to the second lottery in August, the price of the real estate I saw rose from more than 8,000 to more than 9,000, which was more than the houses bought by friends who later inspected the house, but we are still in the process of recognition. My friend suggested that we return the identification turntable.

My intermediary friend took us to see the house again. Although the intermediary didn't build a new house at that time, we had a good relationship. He accompanied us in the car all the way. There is nothing wrong with suggesting buying a big developer. He can check the apartment.

After taking a fancy to the property, friends kept communicating with property consultants. Finally, when the real estate was shaken, the first few groups shook us. When we went in to choose a house, we really felt attracted by the public when we stepped on the red carpet.

Not to mention subsequent payments/loans, etc. 18 hand over the house for decoration, and apply for the certificate after half a year. I have lived in my new house for two years now.

Looking back now, there are many regrets and many joys:

I am glad that a friend who works as an intermediary has been urging me to buy a house. With his help, I bought a three-ring house on 20 16. Since then, Wuhan has restricted purchases and house prices have soared. Nowadays, I can't afford to buy a house.

Unfortunately, I could have bought a house earlier, which dragged on for two years and the cost was relatively high; Secondly, according to the policy at that time, my funds could have bought two or a larger house, but I missed the opportunity because I was afraid of debt.

Of course, it's all previous experiences. If you buy a house for the first time and go to the sales department to see the house, you will have some similar mentality and experience. I hope this practical experience can inspire some friends who need to buy a house.

Buying a house in Wuhan now has a high capital threshold and the process will be relatively simple. Briefly talk about how to buy a house, focusing on new houses.

The first is the issue of funds.

If you have the understanding and plan to buy a house, then buy a house as soon as possible. As for the source of funds, it is better to have some savings. It is meaningful to seek parents' support or borrow money from relatives and friends. If you can make a down payment, don't think about making more money before buying. After all, most of us can't keep up with the rise in house prices. As a new first-tier city, Wuhan can't imagine that house prices can fall, and waiting for bargain hunting is also a kind of delay.

Wuhan's current policy is to restrict purchases in the main city, and you must buy a house (Wuhan hukou or social security for two years). The down payment for the first suite starts from 30%, which is equivalent to 1 10,000 houses, with a minimum down payment of 300,000; Unlimited purchase in far urban areas. According to the customer's credit information, the minimum down payment for the first suite can generally be 20%, which is equivalent to 654.38+00,000 houses. The down payment is only 200 thousand, and the house price in the far city is relatively cheap. Basically, you can buy a suite in Wuhan with a deposit of 6.5438+0 million.

Besides the down payment, we are worried about the loan. What must be changed here is the concept of paying back debts. The mortgage interest rate may be the lowest interest rate that ordinary people can borrow from banks. The daily interest rate of credit card is 0.5 ‰, which is equivalent to the annual interest rate 18% or more. But the current mortgage is 5.68%, and you can still borrow for 30 years. What is important is that the rest of the mortgage loan is repaid in advance at a later stage without interest. This account is cost-effective.

The loan request can basically be approved without a large amount of money owed to the bank (overdue credit card). You won't be used to the monthly payment at first, but it will be fine if you change it. After all, your salary will also go up.

The second is where to buy it.

Buying a house there depends on your budget and the area where you want to live. Living and working in Wuchang, you can naturally buy Wuchang. The budget is indeed limited. You can choose Jiangxia and gedian, and you can also buy them within the Third Ring Road, with a budget of about 2 million.

The third is practical skills.

Now online viewing mainly depends on the price of regional real estate. For example, shell and guest websites can intuitively see the location and price of the real estate for sale, and recommend the function of finding a house on a map of shell. After clicking, you can also see the area segment and apartment type, so that you can roughly calculate those properties according to your own budget, only the down payment, and let the property consultant calculate the loan when looking at the house.

Find a reliable intermediary to show you the house. Don't be afraid to find an intermediary. Now the intermediary industries in Wuhan are relatively standardized. There is no agency fee for their new house, and the service is relatively in place. I always pick it up when I have time. There are two points to emphasize here. First, a reliable intermediary, the intermediary is unreliable. After you have specific contact with him, you can almost judge by your manners; The second is to act as an agent for new houses. Not all the properties of intermediary companies have agents. They won't take you to see the properties without agents, but there may be some properties that are more suitable for you. In the actual process of viewing houses, look at the map and surrounding buildings. Those properties that the intermediary did not recommend to you can also go and see for themselves.

Fourth, look at the house more.

Just look at the actual house. You can understand the terminology you don't understand by looking at a few real estates. You can even ask the real estate consultant to make a comparative analysis of the real estate you see, and you can believe half of what they say.

The suggestion is that it is generally not wrong to choose the property of a big developer.

The first set was bought at 7000 yuan, 12 years. The main motivation for buying the first full provident fund is the high rent, which is more than 1 000 per month. The company's provident fund is also high, so I tried to chip in and buy a set.

Located near the intersection of Nanhu Avenue and Luoshi South Road.

At that time, I was looking at houses in other locations, 5 K Cultural Avenue; Miaoshan 4 K; Optical Valley Coordinate City 9K; The financial port has not yet been developed; The east of Optics Valley is deserted. ....

The second set was bought on 18000. In 15, the Greenland store was on the river, on the inner ring road, with a small area.

The third set was bought at 7000 yuan. 18. Jinmao (Yangluo) is diagonally opposite Wanda, with double subways and investment as the main investment.

This is a purely commercial loan.

As a poor person, thanks to the Internet and real estate. One is to give money to buy a house, and the other is to add value to wealth. ...

The disadvantage is that when I returned to Wuhan from the first-line Internet company, I also worked for 10 years, which is about18 of Hangzhou Fortune.

. In addition, after buying a house, it also caused a shortage of funds, missed the dividend of the China Stock Exchange, and dared not start a business on the mobile Internet or blockchain.

This may be fate ... this is the sharing of circle brothers.

Thank you for your invitation.

I rely on my own efforts.

To buy a house in Wuhan, two conditions must be met: 1. You have a Wuhan hukou, otherwise there are restrictions on buying a house. You must be rich!

I have always been aware of this. I didn't have much money when I bought a house. Second, I don't have a Wuhan hukou. Looking at the rising housing prices, I threw all my 200,000 jobs at the bottom of the closet.

First suite 20 16. Because my hukou is not in Wuhan, I am not qualified to buy a house, and my job is unstable, so I bought a loft Morgan space, which is located at the terminal of Metro Line 3 in Hanyang District, Wuhan.

The second suite later changed jobs, so I think it is necessary to settle in Wuhan. It happens to be Wu Hanyou University Student Settlement Policy 20 17. /kloc-settled in Wuhan at the end of 0/7. In 20 18, I bought a suite in panlongcheng economic development zone with 300,000 yuan earned from it.

For friends who are familiar with Wuhan, my two sets are actually quite poor, but for me, my ability is limited. If I try my best, I will be very satisfied. In 2020, I bought a car with a price of 200,000 yuan, which is considered as a person with a house and a car. Thank you for your efforts over the years!

Find it!

There is nothing to say about the house price in Wuhan. There are just a few developers who have rebuilt the old urban areas of villages in cities with full loans to build new ones. Moreover, the price of commercial housing in Wuhan is not expensive, basically you can buy it with more or less teeth.

The first house was bought by my parents 16, and borrowed hundreds of thousands, with a small area of more than 40 square meters.

The second house was bought by 17, and my husband's parents gave me 20w, plus the wedding gift and bride price, and I used my savings to make a down payment and bought it by loan. The down payment is three floors, and the first house is written with parents' names.

The third house was bought by selling the first house at the end of 19 and my work savings, with a down payment of five floors.

At present, two mortgages are under great pressure.

Hello, I came to work in Wuhan on 20 14. When I came, I found that renting a house was too expensive, so I thought about buying one myself. After having an idea, I began to look around. At that time, I didn't have any money at hand, so I couldn't afford to buy anything. I finally bought a house with moderate comprehensive factors from scratch on 20 15. ...

Fortunately, the house price began to rise when I bought it, otherwise I couldn't even buy this set. ...

Live first, work hard later, and change to a bigger one when the time is ripe!

Hello, let me share my experience in buying a house.

/kloc-my wife and I went to Guangzhou to work hard in 0/3,/kloc-Dabao was born in 0/4. /kloc-Dabao will go to kindergarten in 0/6, so consider it comprehensively. We decided to go back to Wuhan. In order to give the baby a stable environment, I borrowed 80,000 consumer loans. Borrowed 6,543,800 yuan from relatives and friends, plus my own savings, with a down payment of 250,000 yuan and a loan of 3,654,380 yuan. I bought a 60-square-meter second-hand house in Miaoshan. Now the house has risen to 800 thousand.

65438+In 2007, I divided 750,000 yuan, put it all in, and then borrowed 300,000 yuan. I bought a 70-square-meter second-hand house on Guanshan Avenue. I bought this house badly. It hasn't risen much now, and the environment is not good. It is better to go to Guanggu East to buy a house. I only blame myself for having no vision.

Now I'm going to sell the house in Miaoshan. And get a bigger new house, because Bauer came out. The small house is too crowded to live in. .