Please analyze my current home purchase plan

It's really a headache, you already have three properties in your name, if you buy a house again, you shouldn't be able to buy it in your name, but your girlfriend must have a new house.

The main factors to be taken into account are: 1, the rent of the old house, 2, the remaining service life of the old house, 3, the appreciation space of the old house, and so on.

You can analyze that if the rent of the old house can cover the monthly payment of the new house, and you have no pressure to buy a new house with a down payment, it is recommended that you do not sell the old house. You can buy it in your girlfriend's name before you get married (on the premise that your relationship is certain and you trust each other).

If the old house is still in use, it may increase in value due to demolition and other factors. If the rent of the old house is not high, you can consider converting the old house into a single apartment for rent, and one apartment can be separated by multiple rooms, so that you can collect rent steadily, as you expected.

You now have 3 idle old properties on hand, and if all of them are **, there will be no future value. So my advice is:

1. If you don't have enough assets to buy a new house, you can have a set of assets, enough to pay the down payment, and it's good to have a little leftover.

2. The other two sets can be rented out, so that you have long-term capital flow and can live in a new house.

3. Remember to communicate well with your girlfriend, so that the new house is comfortable to live in, and the old house is also comfortable to rent.

Personally, I think if you have the ability to repay and will become more and more stable in the future, I recommend a pure commercial loan, as far as the current point of view is concerned, the interest rate difference between the provident fund and the business is not very much, and now it is a floating interest rate (if it is the first set), the provident fund can be kept to repay the loan, and if the interest rate is raised again, it is more cost-effective to use the provident fund loan.

If you invest, it is better to buy a house in Beijing, I have many friends who regret buying a house in Wuhan, compared with Beijing, Shanghai, Guangzhou and Shenzhen, housing prices and rent activity are much worse;

Secondly, if you live by yourself, it depends on who you live there and how many people you live in. To live for the elderly, it depends on whether there is a circle of acquaintances and the convenience of living and seeing a doctor, and if there are children, it also depends on supporting kindergartens and primary schools; On this basis, pick another area.

There are too many houses in Wuhan, and there is still a lot of room to choose.

Look at the development trend, mainly look at where the best is ready to put the money.

Personally, I feel that Wuhan houses are expensive, first of all, you have to look at the area you plan to settle in, whether it is a large house, a small house, a downtown area, a quiet area, and there are many cost-effective.

Different regions have different requirements, and if the local city restricts purchase, you cannot continue to buy a house. If you don't ask for it, you can buy a house.

1.At present, banks implement the principle of subscribing to loans but not recognising houses, as long as there is no outstanding mortgage in the name of the buyer's family, it can be accepted according to the loan policy of the first house.

2.If all loans have been settled, even if the buyer already has a house in his name, the banking financial institution still implements the first home loan policy.

3.If the buyer already has two or more houses in his name and has paid off the corresponding housing loan, and then applies for a loan to purchase a house, the banking financial institutions can flexibly grasp the loan interest rate and down payment ratio according to specific factors such as the borrower's solvency and credit status.

The family is composed of three kinds of people, my spouse and minor children, as long as a family has an outstanding mortgage, and then buying a house is called two sets, and the third house is also based on the family unit.

Judging from the current policy, "only recognize the loan, not the house", and the loan that has been paid off is not used as a condition for applying for a commercial loan now.

1. If the first two houses are currently being repaid, then the third purchase cannot be loaned;

2. In addition to this, the new policy will be implemented on March 30, 2015

On March 30, 2015, the People's Bank of China, the China Banking Regulatory Commission, and the Ministry of Housing and Urban-Rural Development issued the Notice on Issues Concerning Personal Housing Loan Policies, which mentioned that for households with one house and the corresponding housing loan has not been settled, in order to improve their living conditions, apply for a commercial personal housing loan again to purchase ordinary self-owned housing, the minimum down payment ratio is adjusted to not less than 40%, and the specific down payment ratio and interest rate level shall be reasonably determined by banking financial institutions according to the borrower's credit status and repayment ability.

The threshold for CPF mortgages has also been further lowered. The minimum down payment ratio is 20% for the families of deposited employees to purchase the first ordinary self-owned house with the entrusted loan of the housing provident fund; For the families who own one house and have paid off the corresponding housing loan, in order to improve their living conditions, they can apply for a housing provident fund entrusted loan again to purchase ordinary self-owned housing, and the minimum down payment ratio is 30%.

It depends on the local policy, some places are limited to loans and purchases, depending on what kind of situation you belong to;

If your city has restrictions on loans and purchases, then you can't get a loan for a third home.

I don't know which city you are in, and the city where you are is limited to buying a few sets. The second home is sold, which is equivalent to you only have one house. If we are here (Changchun, the policy is that the local household registration is based on the family unit, and you can buy up to two sets), in this case, you can buy a house.

You can take out a loan with a down payment of at least 60% and an interest rate increase of 10%.

OK! The down payment for a second home loan must not be less than 50%.

I have a house, in Jimo, Tianyi Renhe County, next to the new **, to connect to the subway, you can transfer the property by agreement, and the loan can be hung on me.

Personally, I suggest that due to the current state of China's economy, it is better to flow funds in exchange for maximum benefits. Someone once said that once a person buys a house with a mortgage, it is equivalent to the end of it. I don't dare to change jobs, and I am afraid of being squeezed.

It's too much pressure. Personally, it is recommended to invest in operation for a few years, and if you can buy it in full, you can buy it. After all, money is fast to find money.

Personal advice buys.

Now it's worth taking on some debt, and it's quite convenient to get from Kunshan to Shanghai or Suzhou.

And Kunshan's real estate policy is currently quite loose.

A lot of people from Shanghai or Suzhou go there to buy them.

If you don't buy it now, you probably won't be able to afford it later.

Besides, if you really don't want to live in Kunshan in the future.

I can sell the house again.

Think about it.

People who have bought houses in the past 10 years have made money, and there are many people who have lost money in investment in the past 10 years. Weigh it yourself.

If you don't buy it for the time being, your quality of life will decline and you will be stressed.

In this way, the housing prices in Shanghai and Suzhou are definitely much higher than those in Kunshan, you will not consider it, Kunshan is a small city suitable for living in all aspects, and it depends on your ability to work.

It is recommended to buy a house, the house is finally your real estate, and you can sell it when you need money urgently, but it is not possible to invest.

Brother, it's better to wait until you find a more ideal job before you consider buying a house, people buy a house depends largely on the job, including the salary and the location of the company, so look for a job first.

Don't buy, housing prices are generally stable and rising (except for first- and second-tier cities), but inflation expectations are high, and overall housing prices are shrinking. You don't live in it, and buying it will only increase the burden.

Wait and see, it is recommended to save some more, don't put pressure on your life, you have 2 options.

1 Save some more money and wait and see Don't put pressure on yourself, if you don't think buying will bring pressure, buy it.

2 Listen to others and consult with your brother.

Depending on the nature of your property, if it is a commercial house, there is no limit, if it is a property of other natures, such as affordable housing, there are restrictions, you can go to the official website of Beijing Shed Zhengjing Xiang Mansion - the window of the capital to find.

1. Employees who are retired, retired or have reached the statutory retirement age can withdraw the housing provident fund, and the retired and retired employees need to provide their retirement certificates and their ID cards to the office of the housing provident fund management center for withdrawal.

2. If the rent expenditure exceeds 5% of the family salary income, you can apply for the withdrawal of provident fund.

It seems that you can withdraw the provident fund by decorating the house.