In first-tier cities, just need to buy a house, investment also need to buy a house. As long as you have money, housing tickets can always buy a house, make no loss.

Why buy a house

I bought a house for my own needs. Whether it’s talking about marriage, or building a harbor together, the house provides the material basis for all this. There is no need to care about the strange requirements of the landlord, and there is no need to experience the fatigue of moving. You can do whatever you want in your own home.

You buy a house to preserve your value. Look at the prices outside, look at the surrounding housing prices, these are rising, only THE DEVALUATION of RMB. When I was young, I could buy a pancake for 2 cents. Now it costs 1.5 yuan. Money is still money, but it’s not worth it anymore. Instead of putting money in the bank and watching it depreciate, let it become a house and rise with reality.

You buy a house for investment. I paid attention to a blogger named “Houdada”, who made such a comparison: Liu Gesong, the manager of Guangfa Fund, who ranked the top three in the performance list of public funds in 2019, achieved a total return of 186.41% and an annualized return of more than 20.34% in the 5.86 years of investment. This is the annualized return of the top players in the market. In the last 20 years, any ordinary person bought a house in Shanghai. Buy blind, buy at any time, by the end of the next market cycle, at least 100%. If you choose the right ‘good’ house, it’s not uncommon to see a 300% increase. The property market will double in five years and reach an annual rate of 18.9%, which is the annual income level of ordinary people buying houses in Shanghai. So that’s why you can invest in houses in first-tier cities.

I didn’t understand the above at first, but after experiencing the crazy housing price in Shanghai at the end of December 2020 and witnessing the price of a 66-square-meter house (dual school district) rising from 6.5 million to 9 million in 2 weeks, I gradually understood.

Purpose of buying a house

Do everything to be clear about what the purpose is, for buying a house is the same. Of course, the purpose of buying a house is different, and the consideration of the house is also different. Some people buy a house is to have a home, at this time the consideration is more than two rooms, convenient to take care of children, other floors, location is not so much care about; Some people buy a house for their children to go to school. At this time, the first consideration is that the school district is not used. As for the size of the house, the geographical location is not very important. Some people buy a house for investment, when the rent to sell ratio is more important… To sum up the above situation, it is nothing more than to consider whether the house has school district, area, room type, floor, geographical location, surrounding supporting factors, which are also important factors to determine the value of the house. Oh, and there are two basic conditions, which are the qualification to buy a house and the money on hand. The former determines whether you can buy a house or not, and the latter determines what kind of house you can buy.

So for buying a house, ask yourself whether you are eligible to buy a first home (35% down payment) or a second home (50% plus down payment), and then figure out how much cash you have on hand and how much you can probably earn (borrow from friends and family). Finally, you’ll know what your target price range is. In addition, from this experience, the factors affecting the appreciation ability of a house are whether there is a school district, area, geographical location and floor. So at the end of 2020, dual-school and nine-year homes are going up the most, followed by single-school, followed by improvement, and then the rest.

Pay attention to buying a house

After determining the target price range, you can find an intermediary to help take a look. This time the market is for sale, and there is a good saying to prove it: the landlord who can sign is the good landlord. So some of the past experience may not work. For example, when bargaining with the landlord, I saw with my own eyes that the landlord saw a price increase of 30,000 yuan. After the buyer agreed, the seller said to go back to get the certificate of property, and then stopped coming, leaving a sentence to sell after the New Year. For instance idea child buckle intermediary fee, now intermediary is doing exclusive (this house source has their home only), plus seller’s market, want to buckle intermediary fee, the door does not have. But even so, does not mean that the buyer is accepted by the seller and intermediary slaughter, the following points are very important:

  • Open house for lianjia note is open house, not clinched a deal. Why do you say so? After comparing homelink, Zhongyuan, Pacific, 5I5J and other agencies, WE found that Homelink has the largest housing supply and the best service. Good service is reflected in the professional intermediary. Housing information update more real-time; The visit schedule is reasonable to maximize the efficiency of the visit; And the most intimate viewing records for comparison. It also has one of the highest agency fees (2% of the price of the house) and charges landlords 1%.

  • Don’t hang yourself in one agency. Every agency has more or less an exclusive listing. Some of them are because they are familiar with the landlord, some give money to the landlord, and only Lianjia will charge the landlord a point. So after the homelink show, you can look for other agencies to see, maybe you will have the exclusive house of your choice, or worse, you can close the deal through other houses before the homelink show, at least you can save a little intermediary fees. Of course, each of the exclusive housing pit is a point not to let the intermediary fee.

  • Look at the house more, look at the house more at least 10 sets to make purchase decisions. Because the house is not a trivial matter, the money spent on it may be the family base accumulated by my father for decades, so this decision must be careful, must make more comparisons. Late viewing unless a special heart, don’t make a decision that night, sleep if you still feel good and then deposit. For mediation in order to facilitate the transaction, get high commission, often render don’t laid hands on him house is bought by others, and so on how the housing boom, especially if the house right, mediation don’t say you will buy, is to be in this step, is certainly less like the house, there are not satisfied with the points, so sleep, excluding intermediary to foil the atmosphere effect at the time, There’s still time to make a decision the next morning. Of course, if you find a few more agencies, even if this step, you must not panic, at least in addition to this other home to choose.

  • Must not pay intention gold, to pay the deposit intention gold this thing must not give the intermediary, it will let the buyer be caught up by the intermediary, at least to give money easy, take money is difficult. It means that the buyer is very interested in the house and wants to buy it sincerely, so that the seller can be reassured. But because the general amount is 5K or so, without what constraint, the landlord does not want to sell, the buyer also does not have what method, when the time comes, he will recommend you other house to the intermediary to want money. If you really want to pay, put down a deposit, usually 100,000 to 150,000 yuan, and if the landlord defaults, you have to pay double. This is more binding.

  • Once I am sure that this house is what I want, I will do it quickly. Don’t hesitate, especially in this year’s seller’s market. If you hesitate, the house will be stolen by other buyers.

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