What does it mean to buy a house?

Interpretation of real estate house ownership is the abbreviation of real estate house ownership, which is the general name of a series of activities such as buying land and houses and exchanging real estate, including buying and selling houses and leasing. Property consultant: the choice of mortgage type. Edit the equal mortgage and decreasing mortgage in this paragraph.

Open banks: almost all banks

Keywords: popularization

Features: The most basic and common commercial housing loan. As the name implies, matching mortgage means "paying the same amount every month" until all principal and interest are paid off; Decreasing mortgage, that is, the mortgage form of "more initial repayment amount and less later repayment amount", belongs to "tight first and then loose" in repayment method.

Suitable for people: equal mortgage is more suitable for working-class people with stable income, and decreasing mortgage is suitable for people with strong repayment ability in the early stage.

fixed rate mortgages

Bank of deposit: China Everbright Bank, China Merchants Bank and China Construction Bank.

Keywords: interest rate stability

Features: Choosing a fixed-rate mortgage loan means that the loan interest rate is fixed during the repayment period and is not affected by the floating interest rate. No matter whether the bank loan interest rate increases or decreases, the fixed-rate mortgage loan means that the total repayment amount remains unchanged.

Suitable for people: people who have high requirements for cost calculation or have confidence in the judgment of interest rate prospects. If you expect the loan interest rate to rise, please choose it.

Balloon loan

Bank of deposit: Shenzhen Development Bank

Keywords: high selectivity

Features: For example, if you choose a five-year "balloon loan", if you can't repay the loan after five years, you can extend it to 20 years, but in the first five years, you enjoyed the five-year loan interest rate.

Suitable for people: people who have the willingness and ability to repay in advance. If the customer has a good repayment record of the "balloon loan", he can refinance the remaining principal after the "balloon loan" expires.

Grace period for repayment

Bank of deposit: Zheshang Bank

Keywords: the repayment period can be extended

Features: If the borrower fails to perform the contract during the repayment process, the repayment period can be appropriately extended by means of grace period repayment. For example, in the housing commercial loan of 10, in the ninth year, the payer's income dropped sharply due to job transfer, so he could not repay the loan of the last year. If he goes through the formalities of grace period repayment, he can convert the remaining money into three years or even longer to reduce his repayment pressure.

Suitable for people: people whose repayment ability and economic situation may change greatly.

Direct customer mortgage loan

Bank of deposit: China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, etc.

Keywords: one-time payment

Features: The bank directly credited the borrower's purchase money to the customer's account. In order to encourage consumers to pay in one lump sum, many developers have set up many preferential and incentive measures. If direct customer mortgage loan is used, consumers do not have to disclose the real situation of mortgage loan, and directly get the benefit of one-time payment.

Suitable for the crowd: the developer of the purchased house has a large group of people who buy houses with one-time payment concessions.

Relay loan

Bank of deposit: Agricultural Bank, Shenzhen Development Bank, China Everbright Bank and China Merchants Bank.

Keywords: change of repayment person

Features: Most banks require the borrower's age. For example, some banks stipulate that borrowers must be under 60. If a 58-year-old wants to borrow money to buy a house, his repayment period can only be two years. If he uses a relay loan with a loan term of 20 years, he can become a co-lender with his children and return the remaining 65,438+08 years to his children (some banks stipulate that he is an immediate relative).

Suitable crowd: people over 40 years old.

Biweekly supply

Bank of deposit: Shenzhen Development Bank

Keywords: speed up the repayment frequency

Features: Compared with other commercial housing loans, the monthly deduction is 12 times a year, the repayment interval of biweekly loans is strictly 14 days, and the repayment is about 26 times a year (up to 27 times in some years). By speeding up the repayment frequency, the total interest expense can be reduced. However, biweekly payment requires high repayment time, so you must ensure biweekly settlement.

Suitable for people: some people with stable and balanced income, especially the middle and high-end people in the mortgage business.

Bimonthly supply and quarterly supply

Opening banks: Some banks will open soon.

Keywords: can slow down the frequency of repayment

Features: At present, it is still in the exploration stage. It is reported that some banks have put it on the agenda. Bimonthly payment and quarterly payment mean paying once or twice in the first quarter, which slows down the repayment frequency and increases the total interest. However, bimonthly and quarterly supply means more liquidity, and perhaps the booming securities market will accelerate the introduction of this loan method.

Suitable for people: people who have special requirements for personal business turnover, but also suitable for people with busy business and frequent business trips.

Editor: Although there are many ways for banks to repay loans at present, all kinds of commercial housing loans are based on the basic mortgage methods stipulated by the People's Bank of China-equal mortgage and decreasing mortgage, which will never change: the more bank funds are occupied, the longer it takes, the more interest expenses will be paid, and vice versa. For ordinary property buyers, buying a house accounts for a large proportion of their lifetime expenditure. In the face of a wide variety of commercial housing loans, keeping this "law" in mind and choosing a variety suitable for your own situation will enable you to take the initiative in the economic game. Experience of buying a house: if you buy a good house, you will be satisfied. Edit this paragraph to buy a good house and be satisfied with your friends.

When we talk about houses, when we are in a dilemma about the room type, when we are not sure about the house price, maybe we always think to ourselves, "Oh, how many houses can we buy? . 。”

As a buyer from Tianya, I personally think: "How many houses can I buy?" It is necessary to "know yourself first" and then "learn from each other's strengths" to get "contentment".

Know the enemy and know yourself.

The so-called "know yourself and know yourself", knowing yourself and know yourself is reflected in doing what you can. The most rational, calm and risk-free premise of buying a house is to know what you have and then take what you need. For a fund with only 250,000 yuan and only 80 square meters, the goal of family happiness can be achieved. Why force 65,438+000 square meters, and calculate the pain of daily necessities tomorrow? For the convenience that family members can come and go from time to time as long as they live nearby, why bother to go to a distant place to separate thousands of miles? It is enough to live in a bright, clean, convenient, safe and suitable place, so why consider Wangjiang's mansion, where you can watch the sun, enjoy the moon and listen to the underwater sound? Only after you know yourself can you be kind to yourself.

Knowing who you are is manifested in grasping the big and not letting go of the small. The big ones include the development direction of urban planning, urban municipal construction investment, regional value embodiment, surrounding residential facilities, development team composition, project planning approval procedures, total house price and so on. Instead of letting go, we should look around and ask questions, hoping to look around and take a walk around the project; The smell lies in listening and thinking through various channels; The problem is that relatives and friends should discuss and talk more; The key is to read more and remember more policy articles.

learn from each other

Let's talk about how to learn from each other. Many people are eager to have a good location and a good apartment when buying a house; Low price and large area; It is necessary to focus on swimming pools in primary schools and clubs; It must appreciate, and it will rise again after it rises; Europe, America, Rome, Suzhou, Hangzhou and Jiangnan. The pursuit of perfection and everything is true, but the ideal is based on practical efforts. Houses can be well done and beautiful, and there will be many luxury houses, but what kind of investment will eventually have the same output. Well done, many final costs are linked to the selling price, and some developers may be willing to invest by themselves, but after all, there are few.

What house suits you? What kind of community do I need most? Actually, it varies from person to person. Some are for children's education, some are for large living space, some are for the right price, some are for the convenience of going to work, and some are for being close to family and friends, so what you want most, what you need most, and what you can afford is the most important. Don't live for a room, but you will get tired of it, and don't forget to live to save face.

Therefore, when buying a house, we must "know ourselves and ourselves" and then "learn from each other's strengths" in order to get "contentment".

The details of the loan cannot be ignored.

Mortgage experts suggest that many details need to be carefully calculated when buying a house loan.

One of the details: choose a bank before lending.

At present, different commercial banks have choices in down payment ratio, loan term and loan interest rate. In particular, they all have personalized personal loan plans for different groups. Even if some customers have applied for personal housing loans in banks, they can transfer their housing loans to banks that are more suitable for them through the refinancing services provided by some commercial banks, so as to enjoy all-round mortgage financial services.

Detail 2: Choose the interest rate.

Interest rate is the most important price factor in mortgage loan. If the property buyers think that the interest rate will continue to rise in the future, they can choose a fixed interest rate loan when lending to avoid the cost risk brought by the future interest rate rise; If property buyers think that interest rates will continue to decline in the future, they can choose floating-rate loans to avoid the cost risk caused by the falling interest rates of fixed-rate loans.

Detail 3: Make good use of the provident fund

Because the interest rate of provident fund loans is relatively favorable, it is very important for customers who pay provident fund every month to make good use of their own provident fund. At present, the amount of provident fund loans applied by customers generally does not exceed 80% of the total house price at most, and the longest loan period is 30 years; The commercial loan amount (more than 90 square meters) shall not exceed 70% of the total house price, and the longest loan shall be 30 years; The construction area of a single set of one-hand self-occupied housing is below 90 square meters (including 90 square meters), and the loan according to the customer's credit status does not exceed 80% of the house price; At present, the loanable amount of portfolio loans is that the sum of provident fund and commercial loans does not exceed 70% of the total house price.

Detail 4: Avoid overdue penalty interest.

It's very important to make sure to pay back on time every month. If you fail to repay the loan in time due to carelessness or other reasons, you not only need to pay a penalty interest to the bank, but also affect your credit history. This kind of loss is far from being compensated economically. Therefore, when handling personal housing loans, borrowers must have a long-term and prudent consideration of their repayment ability. According to the statistics of Guangzhou Housing Management Bureau, the price of commercial housing in Guangzhou reached 6 1 163 yuan/square meter in June 2006, which is the highest since 1997, with a rough calculation of the increase of about 10%. Macro-control, bank interest rate hike, rising building materials prices, rising real estate prices ... The rising housing prices have aroused strong concern of buyers, especially those who have plans to buy houses in recent years. It can be said that they are holding money for purchase, but the rising house prices have given them a blow. The following are some traces of buyers during the New Year's Day shopping in 2007. Their way of buying a house is to cope with some attitudes in the current market-what kind of home ownership do you belong to?

Wait and see buyers

Buy only when necessary.

Miss Hu is engaged in advertising. She has worked in Guangzhou for five years, and her monthly income is about 8000 yuan. Originally, she planned to buy a house this year and take her parents from their hometown to spend the Spring Festival together. Therefore, she began to pay attention to the newly launched houses in the property market from May Day. Miss Hu's favorite is Tianhe District, because she has worked in Tianhe for many years, so she has never considered real estate in other areas. However, the house near Tianhe District Park has approached 6,000 yuan/square meter from 4,000 yuan/square meter three years ago, and the slightly better unit price has risen to 7,000 yuan/square meter. The price increase is too fast, which makes Miss Hu feel very uncomfortable. In the face of some people who are eager to buy a house in the tide of rising house prices, Miss Hu seems to be relatively calm. She believes that she will not consider buying a house unless there is a great demand to buy a "high-priced house". Although it seems difficult for house prices to come down, buying a house is not particularly necessary. Therefore, in the case of rising house prices and insufficient deposits, her initial plan is not to consider buying a house for the time being.

Investment buyer

Invest in a cost-effective house.

Mr. Liu saw a news before New Year's Day that a real estate in Haizhu District opened at a low price of 3,500 yuan/square meter. Now there is such a low-priced house on the market, which makes Mr. Liu deeply moved. He put down the newspaper and rushed to the market. It coincided with the subscription period within the market. The manager of the real estate sales department told him that he could enjoy the preferential measures of 98, 96 and 94 triple discounts when he started to subscribe. It is estimated that the transaction price at the official opening of New Year's Day is about 3,600 yuan/square meter, which belongs to the low-end market. So Mr. Liu subscribed for two units in one breath, a large apartment for self-occupation and a small apartment for investment. Who knows that the day before New Year's Day, Mr. Liu received a phone call from the sales department to inform him of the house he subscribed for. After the discount, the transaction price of the large apartment was 4,200 yuan/square meter, and the transaction price of the small apartment was 4,000 yuan/square meter, which included various discounts and concessions. At the same time, he was asked to go to the sales department for subscription at 8: 00 am on 1 month 1 day. Hearing that the transaction price was far from the original subscription price, and the price per square meter was close to 600 yuan, Mr. Liu made a calculation and said no on the spot, so on the official opening day of 1 month 1 day, Mr. Liu didn't go to the sales department either.

For property prices, Mr. Liu is more sensitive, especially for investment customers, the rise in property prices makes them more cautious. Mr. Liu believes that although many economists think that the price increase is reasonable, there is still an upward trend ... but all this is determined by the market. He is skeptical about the appreciation of the investment value of first-hand new real estate, especially this little-known small property right house. He believes that investment in real estate depends on quality and price to win. If the quality is not good, the longer the time, the greater the potential for appreciation and preservation. In some downtown areas of Guangzhou, the prices of different quality buildings are different even in the same lot. The most obvious example is that the monthly rent for a two-bedroom apartment in Binhai Garden of Zhujiang New Town is around 3,000-3,500 yuan, while the rent for a two-bedroom apartment in Fisherman's Village, which is separated from the road, can only be 1200 yuan, while the rent for a nearby farmer's house can only be 600-800 yuan, so the quality is the first. The quality is poor, the house is too old, and it will not be witnessed in a few years. Take Zhujiang New Town as an example. Among several buildings developed at the same time in early years, some buildings are very old because of planning and design problems, and the rent can't go up, while others remain unchanged for several years, with high rents and are very active, especially in the rental market. With the impact of new commodities, low-quality buildings cannot compete with them. Therefore,

Owner-occupied buyer

Consider buying a second-hand new building.

The success of a new advertisement aroused many dreams about home. Originally, Ms. Zhang planned to buy a house in the suburbs, but the prices of several suburban markets she was interested in began to rise, and the prices of some real estates rose sharply, while the second-hand housing prices in the urban areas also rose. Therefore, Ms. Zhang gave up the idea of buying a second-hand building in the urban area and went to the suburbs to see the market. Ms. Zhang didn't go to the sales department, but went to a community intermediary agency, hoping to find a cost-effective house here.

In Xinghewan, she found that the transaction price of the riverside units in the first and second phases here was slightly lower than the original purchase price, because the price was relatively high and the riverside road was also opened. For example, the first phase 124 square meters of three rooms with furniture and electrical appliances costs 550,000 ~ 580,000 yuan; The transaction price of 88 square meters two-bedroom apartment is generally around 360 thousand yuan; Almost equal to the transaction price at that time; In Jinxiu Xiangjiang and Nanguo Olympic Park, there are not many second-hand new sites, and the transaction price of an 80-square-meter two-bedroom building with an age of about 1 year is about 360,000 yuan. The price of Jinxiu Xiangjiang is around 380,000, and the average price of second-hand new houses has suddenly risen to 4,500 yuan/square meter, almost catching up with the price of new houses here. So Ms. Zhang once again came to Qifu New Village, where the second-hand housing products are rich and varied. There are all kinds of villas, multi-storey houses and high-rise middle-rise houses, with the age ranging from about 10 to about 1, and there are also many choices of garden view, lake view or mountain view. The choice of apartment types is more diversified. Teacher Zhang is almost critical. The older the second-hand house, the cheaper the total price, while the price of new house and second-hand house is not cheap. For example, a set of second-hand houses that cost about 654.38+03 million three years ago is likely to sell for 654.38+05-654.38+07 million yuan now. Of course, if the building is older than 10, the price will drop by about 10%- 15%. I want to find a new second-hand house, but I don't want it, because it is too old and too cheap, and there is not much cheap in the new price, so I have to give it up.

After touring the South China plate and learning more about the second-hand market here, Ms. Zhang finally found a new 75-square-meter two-bedroom apartment in Agile, and the transaction price was about 365,438+0,000 yuan through negotiation. Ms. Zhang feels very "arrived" because the average price per square meter of the fourth villa in Guangzhou Agile has risen to more than 6,000 yuan.

Ms. Zhang's reason for buying a house is that the biggest demand for buying a house in the suburbs is to buy an environment. Although the price of each group is different, the environment, education, transportation, living atmosphere and the whole community culture are shared by all community owners. Therefore, in the case of higher prices of new houses in the suburbs, it may be an option to choose cheaper second-hand houses in the suburbs.

Owner-occupied buyer

Late purchase

The rise in house prices was unexpected, but 2007 was the year when Mr. Sun wanted to buy a house most. First, I don't want to spend money on renting a house, so I'm tired of renting a house. Secondly, for a person who doesn't own a house, the deposit will depreciate as the house price rises, so he decided to buy a suite now. He decided to buy a suite in Tianhe District where he lived for many years, but he couldn't accept the price of the new house, so he turned his attention to the developer's tail goods. "Buying a house for the first time can't be perfect", and its cost performance should be put in the first place, so he began to work in some "old" sales departments in Tianhe District.

Many things happen. He wandered around the deserted market for two months. After the recommendation of the intermediary company, Mr. Sun found a 94-square-meter booth in a real estate community in North Yueken Road, Tianhe, with a transaction price of 320,000 yuan. Although the decoration is old and needs to be renovated, the unit transaction price is 3 100 yuan/square meter. Mr. Sun is very happy to be able to buy such a value-for-money house near Tianhe North. It is said that when the developer cleared the tail goods four years ago, he handled all the tail goods to his internal staff at a price of 365,438+0,000 yuan. After these employees got the house, it coincided with the low price of the property market and has not been able to rise for several years. Coupled with the constant impact of new goods, the tail goods here have been vacant for several years. At the same time, in the development of these years, the houses here are not novel in both huxing and decoration, and the possibility of making a fortune at first is getting smaller and smaller. After several years of long waiting, these owners finally waited for the market situation of rising property prices this year, so they took the opportunity to put it on the market and sold it at the original transaction price.

Although the purchase of the tail goods is worth the money, it can't be met. The main reason why Mr. Sun can buy such a house is that he is willing to spend time and energy. Hardcover room: Are you ready to buy a hardcover room in this section?

The most important thing is honesty.

Dr.li shitao

I will choose a fully decorated house sold by a developer with high credit. Because I am very busy at work, I don't want to spend too much time and energy on house decoration. The fully renovated house just meets my needs. But what puzzles me is that the developers are mixed, and some developers who don't talk about integrity are prone to decoration quality problems in their fully renovated houses. I have also seen some media reports that the fully renovated houses purchased by consumers have defects in decoration quality, which eventually leads to a "heart disease" in buying a house, delaying work and affecting life. Therefore, although I am very willing to buy a house in full, I will be very cautious.

Dong Jipeng, employee of the company

I am very optimistic about the prospect of fully renovated houses. In the residential area where I live, even after a few years of delivery, people often engage in decoration work. The noise is really unbearable, but there is no way to stop it. If the house can be fully renovated, the owner can move in after getting the key to the new house, which saves the trouble of running around looking for a home improvement company and gives the neighbors a quiet space. At the same time, the developer is responsible for the implementation of the fully renovated house, and the quality should be as reassuring as the housing hardware. Even if there are quality problems, I can confidently hold them responsible.

The working class is most afraid of redeeming house prices.

Wang Hao, an employee of a company.

I agree to a fully renovated house because I have been on a business trip for more than half a year. The company sympathized with its employees and rented me a fully furnished house. I have a comfortable and convenient life when I work in other places. I think it's good to rent a fully decorated house, but when buying a house, I won't choose a fully decorated house. The main reason is that although developers buy decorative materials in a unified way, which saves money than individuals, the total price of the house rises because of the decoration cost and the house price. Among them, the decoration fee is very watery, and consumers have not received much benefit. The economic pressure of buying a blank house is relatively small, and the degree of streamlining of house decoration can also be decided according to your own preferences. Most importantly, you can know the cost of decoration.

Zhang Yin, a migrant worker

I have been working in Weihai for two years, and I always rent my own house. The company doesn't have any housing subsidies, so moving is my biggest headache. I've heard of a fully decorated house, but I won't buy a fully decorated house or rent a fully decorated house. I choose those cheap and humble houses for rent. My wage income level is not high, but the "Engel coefficient" has always been high. The rent of a full house is generally very expensive, and I can't afford to rent it, let alone buy it.

Which should I choose, blank or hardcover?

Nowadays, when choosing a house, people have to face an important choice, that is, the choice between a rough house and a fully decorated house, in addition to the consideration of factors such as location, environment and apartment type in the past. However, at present, there are different opinions on the evaluation of blank houses and fully-installed houses in the market, and each has its own reasons. So how to choose is the most important thing?

Blank house: I am in charge of my website.

Price characteristics: Under normal circumstances, the total price of rough houses is relatively low compared with that of fully installed houses. Therefore, a considerable number of buyers of blank houses are working-class people. Due to the limitation of their economic strength, the decoration standard of fully renovated houses is likely to be higher than their planned decoration standard, which invisibly increases their economic burden. When choosing a blank house, you can determine the decoration standard according to your actual economic situation.

Personality differences: With the improvement of people's living standards, people obviously can't meet the original requirements of "home ownership", and personalized and differentiated products are increasingly loved by consumers. Therefore, in addition to the characteristics of relatively low prices, blank houses can also meet people's individual needs. Property buyers can design their own private space according to their preferences, needs and home ideals, while avoiding the waste caused by secondary decoration. Clear cost: Because blank houses need to be done by themselves in the whole decoration process, such as choosing decoration companies, hiring decoration personnel and purchasing decoration materials. Every expenditure is clear.

Well-equipped rooms: We can enjoy the experience and enjoy the success.

Quality assurance: for the sale of fully installed houses, the development enterprise must sign a contract with the decoration enterprise, and the decoration enterprise is responsible for the decoration quality of the development enterprise; Property buyers sign contracts with development enterprises, and development enterprises are responsible for the decoration quality of property buyers. This clarifies the responsibility. Once there is a problem with the decoration quality, no one can shirk the responsibility.

Avoid interference: when buying a blank house, the owner usually decorates it separately. Because the owner's occupancy time and decoration time are different, the noise and dust generated during decoration will inevitably affect the neighboring owners. According to statistics, the renovation of a residential area usually takes two years from the delivery of the house to the last customer. Long-term construction noise interference has brought many troubles to the owners. The disposal of construction waste and the transportation of decoration materials bring pollution and damage to elevators and public parts. And fully renovated rooms can avoid these unnecessary interference.

Convenient check-in: Most well-equipped rooms have complete facilities such as kitchen, bathroom, floor and air conditioning, so owners can move into their new homes with their own furniture and luggage. Moreover, some fully installed houses also involve the warranty of decoration building materials after delivery, and reputable developers can provide reliable after-sales service.