Do you think it s cost effective to buy a house next year?

Don't look at the thoughts of the public, getting rich is always a minority, and you have to use an abnormal mentality to see some things, there are ups and downs, and the moon silkworms that rise and fall high and fall in the moon.

Have housing prices come down in Shanghai?

Saw the report a while ago?

The developers advertise that it is 8,000 square meters.

Really ask, it's all 12,000, 8,000 is just a gimmick! Housing prices in Shanghai have not dropped!

Housing prices in Shanghai are high enough, and it's not bad to buy next year!

But to put it mildly, housing prices have dropped, and you won't want to buy a house and get married next year!

You dare to guarantee that what you buy is the lowest price, and you dare to guarantee that you will not drop lower after you buy it!

But aren't Shanghainese people proud to be Shanghainese? Then you have to endure it in terms of housing prices!

If you want to buy it, buy it quickly, and it will be high next year!

Before the 08 Olympics, don't think that there will be a slight drop in housing prices!

In fact, the current housing prices have approached the trough, under the pressure of various policies, Shanghai's housing prices have basically stabilized, and they tend to be rational. In the long run, housing prices in Shanghai will be stable**. But the probability of falling is very small.

The cost of developers is increasing, land resources are decreasing, and prices are ......and so on. Do you think it should fall? What is the reason?

You go to Ahriba to take a look**, you go to see according to your own funds It is estimated that tomorrow's summer vacation or today's November or so will fall

The second half of next year is definitely a good time.

Don't wait!! It's never going to go down because next year's land resources are even more limited

Isn't Shanghai already cutting prices? Next year may not be the best time.

I think the house price will rise next year, so I want to buy it as soon as possible. It is reported that in the future, the approval of housing land within the Fifth Ring Road will no longer be approved. Housing prices within the Fifth Ring Road will continue to rise, and with the development of the city, I think housing will be farther and farther away from the city center. Commuting must be inconvenient!

Don't wait too long, it's impossible to expect too much, you have to be smart, just drop 18,000 per square meter.

Big cities can be late, medium cities buy it now,

1. Loan policy.

For many people, it is almost impossible to buy a house in full, after all, there is no shortage of people who can buy a house in full, and those who want to buy a house are basically unable to buy a house in full, so this requires a loan.

On December 31, 2020, the China Banking and Insurance Regulatory Commission (CBIRC) and the People's Bank of China (PBoC) jointly issued a statement tightening lending, especially housing loans. Therefore, if you plan to buy a house this year, then you can first ask in advance about the loan policy of the city where you want to buy a house, whether it is good to lend, and the adjustment of the loan interest rate, etc., which can save you a lot of loans.

2. House sales.

Paying attention to the dynamics of some local real estate companies is the homework that those who are about to buy a house should do. For example, some well-known real estate companies, Evergrande, Vanke, Poly, etc., what kind of means and dynamics they have in building and selling houses, and how the house sales are going, this is something that must be concerned.

3. The trend of local housing prices.

Although the basic purpose of many people to buy a house is to live in it rather than to invest in it, they are still very happy if they buy a house. And in addition, many people's first home is bought when they have little money, and it is not in place in one step, so when it comes to a better house later, if the local house price trend is not bad, then it is worth buying.

Hello: If you just need to live in it, as long as the economic conditions allow, it is a good time to buy a house. But then again, no one wants to be a high-level pick-up man, even if you just need to live by yourself, you have to find the right time.

If it is an investment, follow the flow of population to buy, in recent years, the population to urbanization gathered, generally these cities have developed economy, convenient transportation, perfect urban facilities, whether it is rented or bought and sold will be easy, it is not recommended to invest in any real estate in the city with serious population loss.

So why do some people say that this year or next year is a good time to buy a house?

1. The property market has entered a sideways period of 1-2 years.

After a wave of soaring housing prices last year, most of the city's property market has entered a period of regulation this year, the severity of the policy can be said to be unprecedented, not only from the purchase of qualifications for strict restrictions, in the purchase of funds are also very strict, some cities are not only for new housing ** restrictions, for second-hand housing has also issued a guide price, and then in this context, housing prices are difficult to fluctuate greatly.

Under the strong hard measures, the property market has entered a cold period. At this time, you may receive a ** from the real estate agent, if you are buying a second-hand house, the owner's attitude towards you is also gentle, and there is room for negotiation. Compared to the attitude of the owner who raised the price three times a day and ignored you when you visited the house last year, isn't it a good time for you to pick and choose and get in the car.

Housing is not speculation" is strictly implemented, so that there is less and less room for speculation, and I dare not say that for a long time, at least 1-2 years of sideways period, the property market will be depressed for a while.

2. It is difficult for real estate enterprises to obtain financing.

The sudden epidemic has led to a general decline in income from all walks of life this year, and real estate companies are also suffering serious losses and capital turnover difficulties. This year, more than 300 small and medium-sized real estate enterprises went bankrupt, and the financing environment of real estate enterprises tightened, which is far more serious than we imagined.

Some real estate companies with too much debt are even difficult to obtain financing, and increasing the sales of houses is the most effective way to speed up the return of funds, so there will be great discounts.

Finally, I want to say that although the property market is strictly controlled, it is impossible to expect a large number of house prices, and the house in a good location will always be an asset, and the house in the core area will not be as inflationary as money, and it will still be a stable asset after 20 years.

Hope mine can help you.

A: I personally suggest that it should be better to buy at the end of 22, although the pressure will be greater, because in recent years, some migrant workers have bought houses in Wuxiang New District, and real estate developers have marketed there, so that in recent years, the house prices have been rising, and if you buy next year, you may not be able to buy your favorite location.

> mortgage interest rates have been lowered and the cost of buying a house has fallen to the lowest point in nearly a decade, is this a good time to buy a house?

Since the beginning of this year, preferential policies have been introduced across the country, especially for the first home, the banks have repeatedly reduced the loan interest rate, the current interest rate on the first home is general, the second home purchase interest rate has also dropped to about 5%, which is the lowest point in the past ten years. Some people have calculated that the mortgage loan with a loan amount of 1 million yuan and a 30-year mortgage loan with equal principal and interest repayment as an example, after the interest rate is reduced, the monthly payment is reduced by about 207 yuan, and the total loan interest is reduced by about 10,000 yuan.

Some places not only reduce the interest rate of the first home loan, but also introduce policies to support children to withdraw their parents' provident fund to buy a house or give exemptions and exemptions in deed tax, and even reduce the proportion of down payment for the first home, which can be said to be a favorable policy has been frequently introduced.

Some netizens believe that these good policies will not last, and they may be canceled at most next year, so, is this a good time to buy a house?

At present, the urbanization rate of the country has reached 64%, at present, the inventory area of China's housing is 3.8 billion square meters, which can meet the needs of more than 90 million people, and the vacancy rate of China's houses has reached the beginning of a surplus.

From the perspective of housing prices across the country, there is a trend of polarization, that is, the housing prices in first-tier cities have reached.

10 times that of fifth- and sixth-tier cities, on the one hand, housing prices in large cities are unattainable, and on the other hand, there is a surplus of housing in small places, people are reluctant to buy, and developers' houses are difficult to sell. In addition, the large-scale demolition of shantytowns in the past has also stopped the pace of housing prices too fast. Even if there is a demolition now, it is still a house to make up for the house.

Therefore, the impact of demolition on housing prices is not significant.

According to the analysis of economists, there will also be a 28 law in housing prices, which means that only 20% of the houses will maintain and increase in value, and most of these houses are in 20% of economically developed cities. 80% of houses no longer have the function of maintaining and increasing their value.

Some netizens believe that although the current house purchase policy is much better than in the past, it does not mean that the future house purchase policy will be worse than the current one, so whether to buy a house this year, it is still necessary to weigh the pros and cons, and the most important thing is to see whether the personal demand is just needed? Does not buying a house affect marriage? Will it affect my child's schooling?

If you have to buy a house, now is a good time to buy one.

And no matter when you buy a house, do you have a stable income and the ability to repay the loan? This must be thought through. After all, affected by the epidemic, many enterprises and companies have cut salaries and laid off employees, so the stability of income is a necessary condition for buying a house.

The collection of property tax will definitely be linked to the area of the house and the total price of the house.

In short, remember the basic principle of "housing for living, not speculation", no matter how housing prices change in the future, we will be calm and at ease.

If it is just needed, the sooner you buy, the better, because if you rent a house every year, it is also a lot of expenses, and if you buy a house next year, combined with the comprehensive results, people's demand will not increase, so it is not impossible to reduce housing prices.

When it's time to buy a house depends on your financial situation, and if you're in a hurry, if you're not in a hurry? You can observe the housing prices, if it is said that there is no house to live in Ganwei, as long as the money is enough, I think you can consider buying a house. There is no such thing as a good year or a good next year, and the key depends on your own situation.

If you need it now, it's better to buy a house now, I feel that the sooner you buy a house, the better, what is the trend next year? It's hard to say, now there is not much interest in the bank before, or the appreciation of buying a house is great.

It's all the same, because house prices haven't fluctuated very much in the past two years, so it's okay.

I think the global economy is still at the bottom, and housing prices will slowly rise only when the epidemic has a turnaround, so we still need to wait for a while, at least from this year to the first half of next year.

In fact, whether it is good to buy a house or not depends on whether you just need it and then the situation you have so far. No one can say whether it is better to buy a house this year or not next year, everyone's situation is different.

Is it better to buy a house this year, or next year? You can combine this with the actual situation in the local area, and consider it comprehensively by yourself, so that you can't.

You can see if there is any change in local housing prices and what the trend of change is.

When it comes to whether a house is a consumer product, my point is that it is indeed a consumer product. While some people may see a house as an investment, I think that in most cases, houses are more of a consumer product because they provide the basic needs for people to live and live in.

Of course, everyone has a different view of a house, and some people may see it as an asset or an investment, but if we think of it as a consumer product, we can better manage our personal finances and better plan our lives.

When considering buying a house, we need to think carefully about our financial situation and decide what percentage of our assets to invest in the house. Generally speaking, we recommend keeping the proportion of assets below 30%, which means that we can avoid investing most of our assets in one asset and thus maintain financial balance.

Of course, if you plan to live in the house for a long time, and the house price continues**, then you may want to consider putting more assets into the house. However, this also needs to take into account other factors, such as whether your career and income are stable, and whether your family situation will change over time.

In conclusion, buying a house is an important decision that needs to be carefully considered. If we think of a house as a consumer product, we can better manage our personal finances and make better decisions when buying a home.

Buying a house is of course a cost-effective house, which can maintain and increase its value, but now inflation is very strong, and there is no direction for investment, and there is a good way.

As the real estate market recovers, house prices are re-a**, and here are a few things to look out for::

1.Loan costs: Due to the central bank's successive interest rate cuts in recent years, mortgage interest rates have been at a very low level, but if the central bank begins to tighten monetary policy, mortgage interest rates may also increase the cost of buying a house.

2.Property tax: With the increase in house prices, a property tax policy may be considered to curb the overheating of the property market. If the property tax policy is introduced, the buyer will need to pay the corresponding corresponding taxes and fees.

3.Area Selection: Housing prices** result in a smaller number of homes that can be bought under the same budget. When buying a replica house, you need to appropriately reduce your requirements for the size of the house.

4.Reasonableness of buying a house: Housing prices** make the cost of buying a house higher, and buyers need to think carefully about whether they really need to buy a house and whether they have enough funds to buy a house.

5.Policy risk: The real estate market is a policy-driven market, and policy adjustments have a great impact on the market. Therefore, home buyers need to pay close attention to policy changes to avoid unnecessary losses.

In short, home buyers need to choose the timing and method of buying a house rationally according to their own economic strength and needs, and always pay attention to changes in market dynamics and policy regulations in order to make informed decisions.