It is the most cost effective to buy that house, and how to buy a house is the most cost effective

I think the first set is better.

1。Small high-rise with the best lighting.

2。3 bedrooms and 2 living rooms, when the children grow up in the future, as well as the perspective of the guests at home, it is very practical and practical.

3。Public parking spaces, after a few years, will show its advantages. I believe that in the near future you will have to spend money to buy a parking space, isn't it for nothing?

4。Real estate is also called real estate, it is an investment behavior, so the most critical issue is the rate of return it will bring to you in the future.

5。Your salary can't stay the same forever, it's a little more expensive, but there is more room for appreciation in the future.

For the above reasons, choose the first set.

Wishing you happiness.

I think it depends on how much you both earn in January.

If you have enough money, you can repay the loan in 30 years, and you can consider the first set for 300 yuan a month. Because you are going to live in the house you buy now for a long time (at least 30 years), then you can simply buy it. And there are parking spaces. It will also be convenient for you to buy a car in the future.

If the 300 yuan has a greater impact on your daily life, choose the second set. After two bedrooms and two living rooms, a family of three is enough to live, but if there is no parking space, it is more troublesome to buy a car.

Personally, I'm more inclined to the first set.

Addendum: It's a bit unclear. The total price is 6w more, how can the loan interest be 10w more? Did you hit an extra 0?

[Calculate how much it will cost you to renovate your home].

Many people want to buy the best house at the best price, so how to buy the most cost-effective house? What to look for when buying a house? Let's take a look.

1. How to buy a house is the most cost-effective.

1. Choose a second-hand house.

Most of the second-hand houses** are relatively cheap and can be moved in immediately, but second-hand houses need to consider issues such as property rights transfer.

2. Don't buy a small community.

Buyers should not buy small communities, but can choose to buy in communities with both large and small houses, because small communities have a large shared area, which is prone to excessive concentration of water supply and power supply.

3. If you choose to take out a loan to buy a house, the longer the loan term, the better.

4. Use the housing provident fund.

Buyers should first consider using the amount of the housing provident fund loan to pay for expenses such as housing payment or home renovation before choosing a business loan.

2. What to pay attention to when buying a house.

1. Pay attention to check whether the developer holds a legal business license.

It is necessary to choose a developer with high qualifications, a good reputation, and sufficient funds.

2. Pay attention to check whether the developer's five certificates are complete.

The five certificates refer to the state-owned land use certificate, construction project planning permit, construction land planning permit, construction project construction permit and commercial housing pre-sale license.

3. Pay attention to whether the developer's business behavior is legal.

4. Carefully review the terms of the contract.

The buyer should include the developer's commitment to the project in the contract.

5. Pay attention to the delivery time and other matters.

At the time of handing over the house, the buyer should obtain the residential instruction manual and the residential quality assurance certificate from the developer.

6. Pay attention to check whether the property right area of the actual house and the contract area are the same.

7. Pay attention to buying a house based on the actual situation of the family's economic income.

Summary: The knowledge of how to buy a house is the most cost-effective and what to pay attention to when buying a house, I hope it can help you, if you want to know more exciting content, please continue to pay attention to Qeeka Home.

Enter the area and get the decoration for free**].

1. Pay attention to the lowest loan interest rate, followed by portfolio loans, and finally commercial loans. If you want to reduce the cost of buying a home, it is better to choose a CPF loan, as it can save a large part of the loan interest. However, before applying for a CPF loan, buyers should consult with the local CPF management center in detail to ensure that they are eligible for the CPF loan.

2. Grab the discount before the market opens.

Generally, when the new real estate is only opened, it is also the time when the discount is relatively large, because this is the stage when the developer reserves customers, because the developer has no bottom in his heart, he wants to test the market reaction, the developer will register the buyer in the early stage, provide a certain range of **, and finally determine the selling price, or pre-sell the house in the form of a discount.

3. Participate**.

** way is very common in our lives, especially in the catering and entertainment industry, in fact, there are also ** ways to buy a house in the real estate market, but many people don't know. In order to return the funds as soon as possible, the developer and the relevant units will launch ** discounts, see the right time, buyers can participate in the ** online or intermediary organizations ** due to the ** group is relatively large, the developer will also pay more attention to the way of participation, buyers can get more preferential than the market price**.

4. Be a picky person.

If you can find out some problems with the house, you can bargain with the developer for this problem, buyers can start from the picky house, such as the greening of the community, the direction of the house and other aspects to find out reasonable faults, if the other party sees that you buy a house sincerity is still enough, will make concessions on the **.

It is best to buy a house when the real estate has just opened, there are large activities, and it is more cost-effective to buy

If you have money, it is most cost-effective to pay the full amount in one lump sum. Not only is it the most preferential, but it also saves various fees and interest on the loan. If you don't practice it, you have to take out a loan.

Now there are two ways, one is equal principal and interest, the other is equal principal, in fact, there is no cost-effective or non-cost-effective distinction between the two ways, they are all the same, with more, more natural interest, how much to borrow, depending on their ability.

Now there are two ways, one is equal principal and interest, and the other is equal principal, and the repayment method of equal principal is the most cost-effective, but there is more repayment pressure in the early stage.

If the total price has been determined, the term of the loan, and the repayment method will not affect the fact that there is no preferential treatment or preferential treatment, because the bank will not be able to suffer a loss. For the choice of repayment method (the number of years is also similar) It mainly depends on the individual:

1. If you have sufficient savings and have no channels to invest, or the investment yield is lower than the loan interest rate, you can consider making more down payment.

2. If your savings are insufficient, but your salary is enough to pay a large amount of loans, you can consider choosing equal principal and interest, because the overall interest of equal principal is small, and the upfront repayment amount is larger.

3. If the current salary is not very high, you still need to save money for other purposes, such as marrying a daughter-in-law, having a baby, raising a baby, etc., you can consider equal principal and interest, and the pressure of repayment in the early stage is a little less.

Your question itself has a problem, whether the house is cheap or not depends on the market, if you have to ask, it is that the poor house is cheaper!

It is difficult to buy a cheap house in the current market, unless the landlord is in a hurry to sell it in the short term, but the probability is also very small.

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.

How to buy a house to be able to buy the most cost-effective house, you can use the following methods to reduce the cost as much as possible and buy your favorite property:

1. Houses with strong discounts are not necessarily discounted.

Most of the particularly cheap discounts are sales gimmicks, in fact, they are all sales routines, and it is necessary to understand the record price of the property as a reference before buying a house.

2. Discount activities.

Most of the real estate will be in some holidays, or just open when the launch of some preferential activities, in the economic downturn, often will give home appliances or parking spaces to save a lot of money.

3. Liquidation or liquidation.

At the end of the market, it is generally more affordable, and the developer will reduce the price in order to quickly liquidate**, and the residents who are not particularly high in demand can take the opportunity to pick up the leaks.

4. Choose a house with a high EFF.

The same ** should choose a house with a high housing rate, so that when it is actually lived, the house will be bigger and more practical.

5. Don't save face.

In some communities, fountains and ponds are installed, but they are not really useful, but the property costs are very expensive, and these costs will eventually be passed on to the buyers. Jiwu real estate encyclopedia, more must know to buy a house.

1. Don't use hybrid loans (business loans and CPF loans), as long as you have enough down payment, don't use them. The reason is simple, first of all, bank deposits are locked, cannot be repaid, and cannot be withdrawn; The second is not worth it, you need to pay more money, take Yangzhou as an example, Yangzhou currently has 300,000, according to the interest rate of 30 years, 1305 yuan per month, according to the interest rate of 5% for 30 years, 1610 yuan per month, only 300 yuan, bridge if your provident fund pays more than 1600 yuan per month, I strongly recommend pure commercial loans, provident fund to repay commercial loans by monthly withdrawal.

2. Don't give too much deposit, if you have a down payment of 30%-25% in the area, then you must make good use of the policy, don't pay more deposit, this is the best loan under the current system. 3. Try to extend the time of the loan, according to the previous regulations, try to reduce the amount of easing and use more policies, within 30 years, do not borrow for another 29 years, because the currency will continue to depreciate, and there will be more deposits in the future.

4. Regarding LPR, my opinion is that you should be careful when you are in LPR, in a word: enjoy the benefits of interest rates as soon as possible. Also, now many people are against the country, and they feel that the propaganda of the first country is a kind of harvest, a kind of rebellion.

I am also engaged in finance, and I also have a few friends from banks, and they all recommend LPR, but their enthusiasm is not high, so they have this idea.

1. Do not use the provident fund before applying for a housing loan: if the borrower has withdrawn the deposit in advance, then the deposit balance is 0, that is, it is 0, that is, it cannot apply for a provident fund loan.

2. The loan shall not be paid off in advance within the first year: According to the provident fund loan regulations in China, a part of the loan must be paid within one year, but you must pay it for more than six months.

3. Don't forget to ask the bank for help when you encounter difficulties with your loan: Don't force yourself when you encounter problems with your ability to repay during the loan process. ICBC customers can apply to ICBC for extension of repayment period, and if the bank confirms that there is no overdue, then ICBC will accept your application for extension of repayment.

Summary. Hello, glad your question answered below.

For residences, the house is to live in, not to do business, not to buy and sell, I think every person, every family, as long as there is a house is suitable, there is no need to have too many houses, because the house may really need to reduce the price in the future, and if the house is not lived, it may really depreciate in the future, as long as each family has a house, whether it is a large family or a small family, there is a house of their own and a place to live and start a business.

How many homes are the best to buy?

Hello, I'm glad that your question is answered as follows For housing, the house is to live, not to do business, not to buy and sell, I think every person, every family, as long as there is a house is suitable, there is no need to have too many houses, because the house may really need to reduce the price in the future, and if the house is not lived, it may really depreciate in the future, as long as each family has a house, whether it is a large family or a small family, there is a house of their own and a place to live and start a business.

Is it OK to buy an apartment? Why do they say that apartments can't be bought?

There is really no need to buy an apartment, there may be some single or family with a relatively small population to buy an apartment, but it is really not possible to buy, after buying, if the apartment area is usually very small, it is definitely not suitable for family living, and it will be difficult to sell it when selling the apartment in the future, so if there are some financial difficulties, it is better to find a way to buy a residence, do not buy an apartment.

One of our owners here developed an entire condominium, with hundreds of apartments, but now none of them have been sold, and they have gone out of business.