If it is said that in recent years it can be regarded as the most "worth worth buying" - "a second-tier house", it is estimated that no one will have objections. Once upon a time, the argument that young people should not be too eager to buy a house and should take a business is widespread, and now I think completely nonsense. In recent years, Shenzhen’s house prices have risen. The gains over the past few years can be used to spike the accumulation of many SMEs for more than five years. Compare the difficulty of starting a business and buying a house.
This article will introduce you to your home purchase options in the form of similar drying products, and share some of the unpopular ideas for home buying for your reference.
Why should I buy a house
Economic reasons such as investment and anti-inflation are no longer explained. LZ’s own answer is as simple as “why must be Aunt Zhang†– in order to improve the quality of life . Some people may say that renting does not conflict with improving the quality of life. LZ’s idea is that under the unreasonable ratio of rent to sale in the first-tier cities, rent increases at any time, and landlords are not willing to sell their homes, is very common because of the above reasons. The desire to let go to improve the quality of life. For example, few people will install a fresh air system in the rented house, install projections, and defend it? If it's your own house, you can just toss it.
In addition, for single dog males, the house is a weapon that can be used to plug the mother's mouth.
background
LZ graduated in 2010, coordinates Guangzhou. At present, it is considered to be stable. Buy a car first. When you buy a house, you will probably have about 100,000 savings. I think for the classmate Aunt Zhang, this starting point can basically be achieved.
Buying considerations
The main idea of ​​home purchase is to have convenient transportation, complete supporting facilities, and a superior location. The big developers ... to meet these conditions is a property worthy of investment. The price is that real estate that satisfies such conditions is generally extremely expensive and does not conform to the theme of the “Young First Suite†of this article.
LZ chose the following properties for the sake of livability. (It is emphasized here that it is by no means a floor support. Later on, I will introduce the content that building floor will not want others to know.)
The classmates in Guangzhou probably have heard of the praying village named "China's First Village." Praying for the Nanwan Peninsula is a real estate of the same group in the South China Sea. It covers an area of ​​5.5 million square meters. Ecological forests, 2,000 acres of large lakes and golf courses are the Real estate selling point. According to the way of drying materials, first attach a few real estate publicity plans.
LZ purchase preconditions are as follows:
1. House prices need to be within their reach. After buying the house at least, life will not be affected, otherwise it will violate the original intention of LZ to improve the quality of life;
2. There is a public commuting option. After all, there is only a source of income for work. Although it is an option to drive to work, after all, the cost is relatively high (especially the parking fee). Traffic jams are annoying and you cannot rest during the commuting.
About commuting time and house prices
First paste the Guangzhou and surrounding price maps for reference.
The figure marks the straight line distance between the average house price in Guangzhou in August and the remote areas from the Tianhe District of Guangzhou (ie, the location of LZ). The first thing to do is to tweet about Nansha, Zengcheng, Huadu and even Conghua. In an area of ​​more than 50 kilometers (just in a straight line distance), if the average price in Foshan does not exceed 10,000 yuan, housing prices in these suburbs can reach such a high level.
Straight-line distance determines the commuting time to a certain extent. Time is money. There is a saying that time is equal for everyone. LZ thinks this is not the case. The affluent layer can use the money to buy time, for example, buying a house in a place near home saves time for commuting and asks for housekeeping services to save time in the spare time. In the absence of sufficient money, it may be an expedient measure to sacrifice some time for money.
Regarding commuting time, LZ's current commuting time is 90 minutes one-way (including the time for the floor-to-door subway transfer), and LZ's wife commuting time is 10 minutes one-way. Because the company is near the real estate, the time for the two to add up is commuting time is 100 minutes. This is also one of the reasons why I make a choice. The couple's words are at least convenient for one of them to work. Of course, usually the man sacrifices.
And even if you live in the vicinity of Tianhe, crowded subway time, traffic time on the road, time for public transportation, time to walk to the subway station, etc., generally 30 minutes is more common, then LZ spends 60 In minutes, 120 minutes per day is a "cost" for "purchasing" the difference between Tianhe peripherals and praying.
The construction area of ​​the house is calculated as 80 square meters, and the house in Haizhu District (half-hour commuting circle) is 2.22 million yuan more than the blessing new house (this ignores interest on loans). And according to 15 years of work time (LZ think of enough to pay 15 years of social security), spend more commuting time is 2 hours 365 days 15 years = 10,950 hours = 456.25 days = 1.25 years (negligible holidays do not need to go to work), the conclusion is The 222 million yuan difference in the house cost me commuting at the expense of 1.25 years in my life .
... It sounds a little shocking, isn't it? After all, life is priceless. Well, we continue.
In general, both couples must be commuting. If you count the commuting time of LZ's wife for 20 minutes, the total time for the two parties is 3 hours and 20 minutes. This compares with the two-hour return of the couple in Haizhu District. The difference in daily commuting time is reduced to 1 hour and 20 minutes! This looks like a lot of commuting time less than a year!
Going further, commuting time is not completely wasted. One of the characteristics of living far is that it takes a long time in the car or subway. Take LZ for example, the time for Lou Ba to the subway station is 35 minutes, and 30 minutes after the transfer to the subway is from the first station to the last station. This means that you have relatively consistent fragmentation time available. In the car, you can watch two episodes of the Big Bang, read books to learn how to charge, listen to FM, and when you don't want to do anything, you can close your eyes and make a little sleep. This is also an important reason why LZ doesn't like to drive to work. If you live near the center of Guangzhou, the basic subway station needs to be stationed, and the distance is short. Generally, you will need to transfer to or exit from the bus soon. The use of time is inferior to the former.
In summary, LZ believes that “commuting time and price ratio†can be considered as a factor for young people when they buy a home. In the event that the funds on hand are insufficient and there is an urgent need to improve living needs, sacrificing time for low prices can be an option.
Buy the house that suits you best
First of all, the above example of housing prices is based on the average price of new homes. Upholding the spirit of SMZDM, we naturally need to buy a good house at a lower price.
First, consider cheap second-hand housing. As part of the blessing of second-hand housing, the owner did not renovate after buying, and the rough room was sold out. The advantage of a rough house is that it hasn't lived. It is basically a new house, and it's cheaper than a so-called furniture house. And the owner did not have a decoration and no furniture, but also facilitated our own play after buying the house.
Second, there are no conditions under which the floor and heading need not be considered too much. In particular, the south-to-south transparent house is really good, but it is generally about 30% more expensive than a poorly-facing house. Anyway, electricity is now cheaper, air-conditioning is also energy-saving, light, temperature can be adjusted through the late appliance, LZ think there is no need to invest too much in order to face too much.
Third, you can consider a duplex type, with a high utilization rate, and you can also decorate into a LOFT style.
Two days ago, I saw an agent send a blessing set of a house with a garden. On the first floor, 152 squares of 800,000 roughs, and 60 flat gardens, it was only 5,200 yuan per sq. ft., and there was a big garden where you can raise dogs! It is now more than 2,000 yuan cheaper than the current opening price of 7,500 yuan. (Now everyone knows that I'm not a placeholder.)
Having said that, buying a house in a relatively remote place will not generally result in any increase in a few years, but it is certain that it will not drop in the current inflationary environment. Holding a house is better than holding a bank note.
How to reduce down payment or loan more
If you can apply for a provident fund loan, it is almost equal to get free funds, so how much you can loan to a loan, how long can you borrow for how long?
Bank mortgage needs to assess the value of the property. According to LZ's understanding, second-hand houses in the central district of Guangzhou, especially those in the school district, are above average and will be underestimated during the assessment. In remote areas, the opposite is true.
Take the example of blessing, the area in which the property is located belongs to Nanhai District of Foshan City. Currently, due to the proximity to Guangzhou, the average price of Nanhai District has been increased to 10,000 yuan/m2. However, if you buy pray for second-hand housing, in fact, as long as 5,000 yuan / m2, is half the average price in the region.
According to the 80m2 house, the transaction price between buyers and owners is 5,000 yuan and 80m2=400,000;
The assessment of the price will take into account the average price of the South China Sea, generally higher than the transaction price, where 8,000 yuan 80m2 = 640,000, an overestimation of 240,000 yuan.
Therefore, you can only loan 280,000 yuan after the first down payment, but after the evaluation, the price written on the contract is 640,000, and the amount that can be loaned is 640,000 70% = 450,000! More than 170,000 of the loans can be used to invest, decorate, buy a car, or even offset the first payment... It should be noted that bank lending is directly transferred to the owner’s account. If this method is used, the premise The condition is that the owner's character must be good and trustworthy.
Although this method is a little tricky, but buyers actually have to pay. Overestimating house prices is an assessment of the company's objective behavior. Buyers also need to pay more taxes. So what's wrong with using the rules?
After buying the house
It has to be said that the quality of life does indeed rise straight after buying a house.
LZ used to go shopping for home appliances to understand the performance of new home appliances, but because it is renting, it is always not willing to buy. After you have your own house, you can pay more attention to Zhang Aunt’s high-end appliances and slowly purchase them. Anyway, the houses are so cheap, and there is nothing extravagant in life.
The monthly provident fund of a single wife can already cover the monthly payment of the house. Life can still be considered as much as before.
When I got home at night, my wife who had already left work early had already made hot meals and so on. It was very good to eat at home.
Write last
In fact, I don't know how to categorize this article. Is it possible to publish it in Aunt Zhang? However, I personally think that improving the quality of life is in accordance with the spirit of SMZDM. I hope this article can give some inspiration to the peers who are hesitating to buy a house. Finally, after the completion of the PO's photo, due to the small house, the room type could not be changed, and the designer was not invited. Therefore, compared with other decoration stickers, the sense of design is not enough. However, many home improvement products are indeed carefully selected. We got a lot of help from everyone on Aunt Zhang, thank you!
In the drawing of the living room, the main furniture is purchased by IKEA. Television has entered the heart of Dafa.
Master bedroom. The TV is Aunt Aunt pushing the LG55LF5950.
The refrigerator is Toshiba 358WTC, and it looks like the B2C shop can't be found. It took the goods directly from the Nanhai Toshiba factory. The rice cooker is Zhang Mama’s explosion model BB10.
The shower was Hansgrohe pushed by Aunt Zhang. At that time, it was the treasure of the Amazon Town Store. It was estimated that there were many worthy friends who remembered it.
Due to the space, the details of home improvement have not been expanded.
It is hoped that the vast number of young valued friends will be able to choose the house worth buying at an early date.
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