How to buy a house with a monthly salary of 1,100 yuan and 140,000 yuan!

First, make a thorough and detailed assessment of your property. Find out the corresponding lot and real estate according to your financial ability.

2. Look at the income and expenditure of the family after buying a house. It should be safe to pay off the mortgage on a home that accounts for less than 30% of the total household income.

Your down payment is around $40,000).

Third, according to the basic principle of the current international loan to buy a house, it is more reasonable for the monthly repayment to account for 30%-40% of the monthly income, and generally should not exceed 40% (the funds you can use for the house are 300-400 yuan per month).

If you're not in a hurry, wait and buy again, otherwise, you'll regret it.

The minimum down payment is 30% of the house price!

Landlord, you still have one condition missing: how much money do you have now?

Otherwise, it's not good. If you are a salaryman, it is best to choose a decreasing mortgage, that is, the principal is fixed, the kind that will pay a lot less interest, how much the loan is cost-effective, it depends on how much money you have in hand, I suggest that you can borrow less, but some should leave a little money (10,000 yuan) and put it at home for emergency money.

How many years you borrow depends on how much you borrow. Generally speaking, it is best to have a salary of 1,100 yuan and a monthly payment of no more than 500 yuan.

It seems that the down payment for buying a second-hand house is mostly 4 percent, and the procedures are almost 5 percent. I suggest that you also borrow less if you can.

Look at your own spending, if it's bigger, it's 1,000 a month, and if it's small, you can spend 1,500 to 2,000 on your own budget.

At current interest rates, the situation is as follows:

10 years, 2845 per month, a total of 10,000 repayments, of which 15 years of interest, 2185 per month, a total of 10,000 repayments. Among them, the interest is 10,000 years, 1871 per month, a total of 10,000, of which the interest is 10,000 years, 1696 per month, a total of 10,000, of which the interest is 10,000 years, 1588 per month, a total of 10,000, of which the interest is 10,000 to weigh yourself, first of all, you must understand that you are a long-term loan, or a short-term loan, if it is a short-term loan, it will be 30 years, such as 1,2 years to sell, or 1,2 years will have a sum of money that can be paid off in advance, if it is a long-term loan, will not sell, can not be paid off in advance, Just choose the shorter the number of years, the better

Look at two dimensions, your income distribution and the timing of your loans.

What is the maximum amount of your income allocated to monthly payments? In addition to basic living expenses, money for clothes, water, electricity and gas rent, and social entertainment, can you allocate 1,000 yuan in monthly repayment?

For loans, of course, the sooner you repay them, the more cost-effective it is. Under normal circumstances, the interest is almost one-third of the principal amount after 10 years of repayment. After 30 years, the interest is more than the principal amount of the loan.

So in the end, it's up to you. If you pay more every month, you will have more financial pressure, but the interest will be less in general; I have to pay less every month, and the pressure is relatively light, but I have worked for the bank all my life. If you have other income** besides your salary, say something else.

Hehe, it is recommended to repay 1140 every month, I don't know how many years, otherwise you will pay off the mortgage every month, and you will not even have any expenses.

If you are a single man, you can share a house with someone else to save money. If you are a single girl, it is best to find a classmate or friend to share a house with, which can also save money.

If you are a family person, then it depends on your specific use, if the transportation to work is convenient, you may rent a little farther, because the rent of the house in the suburbs is not high. If you are going to school for your children, then of course you should rent a house for your children's schooling, which will help you pick up and drop off your children from school. In short, it depends on what you are focused on.

Yes, depending on how much money you repay each month according to the number of years you repay, you can repay for 20 years, so that you can't pay back much every month.

Bank loans generally (commonly) will consider several things, one is whether the individual's credit history is good; The second is the in-and-out account of the passbook in the name of the individual (not necessarily how much money you have in the bank, but the sum of the incoming and outgoing flows); The third is proof of other assets in the name of the individual (cars, other real estate, valuable**, bank deposits, etc.); Fourth, proof of income.

Except for the third point, not everyone has good conditions, first, we must try our best to repay the number of credit cards on time; The second point is that you can work hard to do a little better, some people who have a heart, you can take a small amount of money a few years before buying a house, save 3000 today, save 2000 tomorrow, take 4000 the day after tomorrow, and save 3000 the day after tomorrow. . . Of course, it's not really about daily access and withdrawal, but it's just that there are often in and out of the bank, which is conducive to passing the bank's approval); The fourth point is that when it is really necessary, you can also let the unit open a higher income certificate, which belongs to the curve to save the country, and don't be too guilty to say that it is fake, a mortgage is ten or twenty years, and you just showed him the income certificate in advance after a few years.

Mortgages are relatively easy to get approved, after all, your collateral is a benign asset.

If the income stated on the income certificate should be more than multiple of your monthly payment, there should be no problem. The information is complete and has not been on the blacklist. Generally no problem.

There should be no problem with handling general loans, if there is a housing provident fund, it may save a lot, but it is not necessarily whether it can be done according to such an income of 320,000.

Brother is in such a bad situation, what house to buy and wait a few years, the house price will fall.

It can be said that the utility rate of the landlord's house is 89% of the area in the suite, and the calculation formula = Generally, the utility rate of the house is more than 80% in the industry, which is very good, because the current high-rise buildings are not more than 80%, so I take the liberty to ask here that the landlord's house should take the stairs, because the ladder house with the stairs has such a high utility rate.

The EFF rate of multi-storey houses is generally around 90%, and your house should still be okay.

Multi-storey houses do not have elevator rooms, and the EFF is definitely high, and the high-rise is generally 70-80%.

If you live by yourself all the time, it's cost-effective, but if you plan to sell it in the future, it's not cost-effective, hehe!

Oh, the EFF is really high enough, it's worth it.

Hello. Are you one person or 2 people still.

If you just repay it alone, with a monthly income of 3000, it is better to repay it with equal principal and interest.

If it is repaid by 2 people, and the salary plus the provident fund is sufficient, it is better to repay the loan with the same amount of principal.

In fact, the principal is less than the principal and interest, which is 18,000 less.

If the ability is sufficient, the equal principal repayment will be adopted, and the interest will be less.

Hello, the smaller the loan amount and the smaller the loan term, the less interest you pay, that is, the more cost-effective it is.

As long as you have determined the number and duration of the loan, Sennu.

The latest loan calculator is available for you to calculate the shortest number of years and the minimum amount you can accept.

It depends on how your standard of living is and how much money you want to keep, generally speaking, I think it is more cost-effective to have 10 years left, and you can still have half of your salary left in a month.

180,000 10 years equal method monthly repayment.

There will be relevant taxes and fees to be paid when you buy a house in equal amounts for 200,000 years every month, so your 100,000 yuan cannot be used as a down payment) (the monthly repayment amount of the equal method is the same, and the memory is simple, but most of the early repayment is interest, which is not suitable for people who plan to repay in advance).

The first month repayment of 180,000 yuan is 2391 (with the repayment details of the decreasing method) (the decreasing method is suitable for people who have strong repayment ability and are very likely to repay in advance in the future).

Number of repayment periods Repayment amount of each installment Principal payable for the current period Interest payable for the current period Remaining principal 123

120 total.

As long as you can ensure that you can live for 40 years, you can buy it, the rent will be **will be year by year**, and I personally estimate that it will be relatively large, as long as you can afford it, you can buy it.

But the contract must be clearly written, once it is dismantled, who can give you a subsidy.

How much time do you want to spend in Beijing, choose according to your own professional norms, with a monthly salary of 1500, no matter how you choose to live in Beijing, it is more difficult...