If you encounter difficulties in buying a house, will it be more difficult to buy a house?

This doesn't work, I have an old house, the house is not big, the main thing is that the children of the household registration of this house can study in our best primary school, so I didn't sign the household registration, and it will be convenient for my daughter in the future, last year my sister wanted to put the household registration in my house after the house was sold, and it was not good, the parents could, and the sisters couldn't. Even if you buy a house in the name of one person, you can only apply for one account.

Housing prices should not fall in the current situation, I am from Zhejiang, I want to come to Wuxi is about the same, even if it falls, it can only fall a little, but it will not rise enough, you look at the oil price. Originally, the land was so little, and there were many people who bought houses, how could it fall, and now Sichuan needs a lot of building materials, and it is estimated that the price of building materials will rise again, so I think the house price will have to rise, but the magnitude is just a problem.

There can only be one hukou, parents can take refuge, other brothers and sisters can't take refuge, you can only do it with your hukou, and then sell the house to your sisters and sisters in the future.

First of all, the problem of housing prices...

It's going to fall, it's a trend, but I don't know when it's going to fall, and in 10 years... If you sell the house and close the house, it is the buyer's loan, and your refinancing will be the second time? Why is it that the whole country is not unified???

If you buy a house and then sell it to your sister, you will have to pay at least three thousandths of the transfer fee, and you can't spend it, so it is recommended that you go to the local police station to learn about the local household registration policy, there is always a gap.

Housing prices are not going to fall now, but you have to buy a better place. Feng Shui is better. Convenient transportation.

It's so dangerous that you came out early.

Otherwise, you're a victim, you're a lucky one.

Published. Flash.

I think if it's not particularly stressful, it is recommended to continue to top it and it will pass. Nowadays, there are many options for flexible employment, such as running food delivery or making Didi in the evenings in your spare time.

InWhen you're not having financial difficulties, you need to save a little liquidity or get a big credit cardWhen your capital chain is broken, for example, a credit card can be given at least 45 days, which is enough for you to do a lot of things.

Take me as an example, when I first came to Shanghai, I had 2,000 yuan and a credit card with a limit of 6,000 yuan. Especially in Shanghai, renting a house and daily expenses every month is a lot of money, and if I had only 2,000 yuan, it would have been difficult for me to survive in Shanghai at that time. I relied on this 6,000 credit card to survive until now.

It's that you usually have to do a side hustle. This has to be thought about from a time when you are not financially strained, for example, most of us in life are 9 to 6What about the gap between people? It's like a question I had before, which was that he led 6,000 yuan a month to buy a car and a house.

As a subordinate, he earns 5,000 yuan a month, but he can't figure out how the leader can buy a car and a house if he is 1,000 yuan higher than him every month.

There may be a gap between people here, maybe it is his leader who uses his spare time to do side income! So many times we must develop more side hustles in a stable situation, one day when you suddenly have an accident at work, cut off the main income, then at least there is a side hustle to support you, maybe your side hustle can also get started immediately.

Mortgage payments are a long-term processTwenty or thirty years is not an overnight thing. The distribution of the income of the whole family must be calculated in a unified manner, to see how much money can be spent after the mortgage repayment, many families have this phenomenon, and they can only be careful in their calculations. If you are really stressed, people with low income or people who do not work, such as stay-at-home mothers, have to consider finding a job that is as stable as possible for a long time or a job with a higher income.

Housing loan is a difficult and then easy process, with inflation, currency depreciation, the passage of time, the repayment pressure will feel less and less, take our third-tier cities as an example, 10 years ago to buy a house, the general monthly repayment in more than 1000 yuan, the pressure to buy a house was very high, now there is almost no pressure, so stay up!

This can be done with the consent of the bank, transfer the house, **, and repay the loan with the proceeds of the transfer。The new purchaser enters into a mortgage contract with the bank, and the new purchaser continues to fulfill the repayment obligation. Although this is not the most ideal approach, it is much more proactive and less financially harmful than banks settling the matter through auction or litigation.

First of all, it is necessary to communicate with the bank to confirm that there is really a problem in the economy and encounters difficulties, whether it can be repaid later, if the bank agrees, it must be repaid before the final repayment date that has been promised and communicated;

Secondly, if you still can't raise the corresponding repayment before the last repayment date, you can tell the bank that you are unable to repay, and the bank will take back the house, and then conduct an auction, and the auction proceeds will be owned by the bank; If the auction proceeds cannot be repaid by the bank for the loans, the individual needs to continue to make up the relevant amounts;

Finally, if you still have a certain ability to repay, you can sell the house while guaranteeing repayment, and the market value of the house is enough to repay the bank loan! Of course, this process requires a third party to contribute to the arrears first, and the bank issues a settlement report, and then the normal transfer and other procedures can be carried out!

Bank loans should be repaid on time and in quantity, otherwise the existing social environment will have a significant adverse impact on individuals and families!

When such a situation occurs, you should communicate and contact the bank staff in time, and you can also postpone the repayment time, borrow money from friends and relatives around you, and solve the economic problem in time.

If the loan is not repaid due to financial difficulties, the house will be repossessed by the bank and then auctioned, and the money paid before will be paid in vain.

If I have financial difficulties, I will borrow money from friends and relatives and pay it back after buying a house.

It's going to be a little harder.

First, the population loss is serious and the risk of depreciation is high.

A house is an important part of a family's assets, and although most of the houses are bought for living, the appreciation value of the house cannot be ignored, after all, no one wants their assets to shrink. As economist Ren Zeping said, real estate development looks at finance in the short term, land in the medium term, and population in the long term, so the population is closely related to the trend of housing prices.

According to the data of the seventh national census, the urbanization rate of China's permanent population in 2020 is less than 50% in 2010, it can be seen that in recent years, the urbanization development rate of Qingshi in China is still quite fast, and more people have poured into the city, including many young people in the county, who are more willing to go to the city to work hard to develop Duan Chaling, so the county demographic dividend is gradually disappearing, the backbone of consumption is reduced, the corresponding demand for housing is reduced, the vacancy rate of houses is greatly improved, and the depreciation of houses in the future will be very obvious.

Second, there is a lack of supporting resources and a low quality of life.

The location of the county is relatively remote, the lack of high-quality resources, and the supporting facilities are not particularly perfect, such as educational resources, medical resources, commercial resources, etc., even if the transportation is convenient, but people's daily commuting costs will be very large, the comfort and convenience of life are greatly reduced, and the quality of living is far less good than in the city.

Second, the liquidity is poor and it is difficult to change hands.

If you start the county house for the transition, and then hold the plan to sell the county house to buy a house in the city, then I advise you to consider carefully, after all, the vacancy rate of the county house is high, and people's income level is gradually increasing, so in this case, families with housing needs are still more willing to start a new house, the liquidity of the second-hand house will be very poor, and it can be said that it is quite difficult to change hands.

Hello, I hope mine can be helpful to you.

Clause. First, the policy is loose because of the lack of purchasing power and willingness to buy.

The more relaxed the place, the more the real estate market will be sluggish.

Clause. Second, consumers chase up and don't sell down.

Cities that already have policies such as limited purchases and sales restrictions after the epidemic that began in 2020.

Most real estate** prices are falling or trading sideways.

In particular, real estate development enterprises have been in the "thunderstorm" since last year.

The first-hand real estate in most cities has appeared to varying degrees.

As a direct result, consumers are generally bearish on housing prices.

Therefore, even those who have the qualifications and purchasing power to buy have a wait-and-see view of the real estate market.

Clause. Third, on the issue of Changsha.

You can check the average transaction price of residential buildings in Changsha in the past five years.

It has been in a sideways situation, simply put, it is not up to buy it.

The enthusiasm of investors has been discouraged.

It is difficult to support the new market by rigid demand alone.

Let's communicate more, learn from each other and make progress together.