My view on buying a house

I talk about some views on buying a house through my own experience.

First of all, I think if you just need a house, the sooner you buy it, the better. Because you can see that house prices have risen year by year in recent years, except for the first and second lines, house prices in the third, fourth and fifth lines have also risen. 20 14 when we were training in southern Xinjiang, the price of high-end residential areas in the city was 2700 yuan/square meter, and now it is close to 6000 yuan/square meter, with an annual increase of nearly 40%. Even if the house price stabilizes after the participation of all parties, it is still necessary to buy it, so I think the sooner the demand, the better.

Secondly, I think for office workers who have just graduated from work, your housing provident fund is the best support for you to buy your first house. Now many houses only need to pay 20% down payment, and some are lower. A set of 600,000 houses in the third and fourth lines can be bought with a mortgage loan of10.2 million, and the monthly housing accumulation fund can pay off more than half of the mortgage. However, if you don't buy a house, the housing provident fund can only withdraw a maximum of 20,000 yuan of rental expenses every year, and you have to open a lot of certificates to withdraw it. In other cases, it is not allowed to withdraw housing provident fund. So please make good use of the housing provident fund.

Third, the purchase should be considered in one step. Location, area, convenience, children's schooling, supporting facilities, etc. It is estimated that the second-hand house will be valuable in the future and it is unlikely to invest. Houses have been under construction, and the stock of houses is far greater than people's demand. It must be more difficult to sell second-hand houses at this time. Therefore, whether it is independence or investment, we must comprehensively consider the potential of the house.

Fourth, if you come from the countryside, especially in the suburbs or not far from the city, there is a homestead. It is best to build a duplex building by yourself. The air in the country is good, away from noise, and the venue is spacious. In summer, flowers and vegetables should be planted in the garden in the yard. Because with the revitalization of rural areas, rural areas will certainly have great achievements in the future and their development will be better and better. The popularity of cars has also narrowed the distance between rural areas and cities, so building houses in rural areas is also a wise choice.

The picture comes from the internet.

The above is my opinion. Welcome to leave a message for discussion.