纯干货!刚需买房越早越好,怎么就是不听劝呢

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Following the relaxation of the household restrictions at the beginning of 2019, Guangzhou has recently released the “acquisition-minded” big move of “precise talents”:

Further relax the age limit for full-time undergraduate, postgraduate and professional and technical qualifications, and significantly relax the original requirements for 5 years;

At the same time, for undergraduates to enter Guangzhou, they only need to pay social insurance for half a year. For graduate students, doctoral students, senior professional titles, and students studying abroad during the period of employment, they only need to have a record of insurance in Guangzhou.

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(Image courtesy of Guangzhou Daily)

"Someone, the city has a future." This is the bottom line that urban development must hold. As a mature first-tier city, Guangzhou will have a greater impact on the current pattern of talent competition by virtue of its urban attractiveness and the large number of college graduates, coupled with the introduction of new policies.

Regulatory policies are diluted, now

Is it just the need to get on the train vent?

Obviously, this new policy has made the strict property market regulation policy introduced by Guangzhou since 2017 once again diluted. Under the attraction of such a strong policy, the most direct impact is the property market.

Because entering the home means that the threshold for buying a house is greatly reduced, the large amount of demand that has been suppressed before is likely to be like a volcanic eruption. In a certain period, the supply is constant, and the sudden consequence is that the house price is soaring.

So, is it just the wind that you just need to get on the bus?

I have already said that just get on the bus, the sooner the better!

The best time to plant trees is ten years ago, and secondly, now;

The best time to buy a house is ten years ago, and secondly, it is now.

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Regardless of the new deal in the property market, you just have to remember:

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首先,事实证明,限制越多的东西越来越稀缺,资源越稀缺的可能性越小。特别是在当前土地价格高涨,人口不断扩大的环境下,预计房价会下跌是不现实的。

其次,通胀速度必须快于房价!五年或十年前买房的人基本上没有按月付款的压力。

如果您只需要自己生活,就必须提前计划!不是每个月租房子来支付每月租金,最好先咬牙买房子,以免几年后价格上涨,月租也上涨,但房子仍有关系和你!

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只需要买一套房子,选择就是

是秒针还是秒针?

对于购房者来说,当他们打算买房时,他们将面临一系列的困惑:在郊区购买新房或在城里买二手房是不是很好?新房交易和二手房交易流程的优先事项是什么?差别很大.

现在,我们主要从“一个风险+三个成本”维度分析新房和二手房。除了可见的价格差异有什么区别?

01

购买风险

涉及一手房的交易只涉及开发商,买家,银行和房屋委员会。房屋交易的人员和程序相对简单,工作效率很快。涉及的风险和准备的预防措施也相对较小。省事。

但现在市场上的大多数新房都是期房,也就是说,买家首先支付首付款,然后偿还贷款,然后至少一到两年后,开发商可以将建筑物移交给你,然后你可以看到你买的房子。通过这种方式,这使买方能够面临诸如比实际更大的期望和对权利保护的需求等风险。

但事实上,只要你选择一个可靠的中型和大型开发商,这样的风险就会相对避免。

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Important matters such as housing and risks, especially housing property rights, household qualifications, and degree occupancy, need to be strictly checked.

However, second-hand housing buyers "what you see is what you get" can not only clearly see the goodness of the house, but also clearly see the problems of the house, leaving room for rational thinking, greatly reducing the blindness of buying a house.

02

Cost of living

With the development and expansion of the city, more and more homebuyers are beginning to look at the development suburbs on the edge of the city.

Compared with urban centers, the cost and pressure of purchases in these areas have been linearly reduced, and they are favored by the just-needed families.

After all, the strength is allowed in the future, and it is not too late to replace the replacement.

But at the same time, the problem that new homeowners have to face is that in the short term, the cost of living will inevitably increase. Because most of the surrounding areas of the new house are not so perfect, and the traffic convenience is also lacking, it increases the difficulty of life invisibly.

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For second-hand housing, these are not a problem at all. The supporting development is mature, the transportation is convenient, the surrounding living areas have been formed, the living atmosphere is perfect, and the cost of living naturally returns to normal.

03

Loan cost

When handling a new home loan, the bank will assess the lender's income flow and credit information; but when it comes to second-hand housing loans, in addition to the above, the bank will also assess the housing age of the house.

If the second-hand housing is too old, the bank will consider the risk of housing, and it is possible to not lend or lend less. This means that the down payment costs of second-hand home buyers will increase, or direct purchases will be frustrated.

As for the purchase of new homes, as long as there is not much problem with bank water, income, credit, etc. buyers can basically borrow for 20 years or longer.

04

Tax cost

xxTaxes and fees, as an extra expense in addition to buying a house, although everyone feels distressed about this expense, but has to pay.

The tax on new home transactions is relatively simple, mainly including the deed tax and the public maintenance fund;

Second-hand houses are also based on new housing taxes and fees, but also increase land value-added tax, personal income tax and so on. Among them, it involves whether the second-hand housing is “full two only” or “full five only”. Only when the sufficient period is satisfied, some taxes and fees can be exempted.

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Therefore, when choosing a second-hand house, it is necessary to carefully consider whether the tax is enough to compete with the price of the new house. If the same package is used, the second-hand price is obviously upside down, so it is obviously more cost-effective to buy a new house.

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After reading this, do you have basic cognition and comprehensive considerations for buying a new house or buying a second-hand house?

To sum up, there is no absolute pros and cons in the second-hand house of the new house. Buying a house is a major event in life, and all need to be carefully considered! Especially when you need it, you need to run more, watch more, get in the morning, and benefit early. There is always a favorite house waiting for you!

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Or, you think that buying a house looks so troublesome!

Then, it is recommended that you choose a reliable real estate brokerage company, eliminating the time-consuming and labor-intensive "non-directional search", all the troublesome processes and procedures, let "he" all help you mess up!

Want a good room, come home!

All the first hand all have!

Just need them, don't say I didn't remind you,

At the moment, Guangzhou does not buy a house, and suddenly looked back at two lines of tears.

Today's full payment becomes a down payment, and the first payment will change into a garage tomorrow!

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