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Anonymous users2024-02-08Before you know it, it's the end of the year, but many prospective buyers are still struggling with whether they should buy a house now.
Compared with the cozy spring, hot summer and romantic autumn, choosing to see and buy a house this winter also has its unique advantages.
Policy control: the lowest loan interest rate in history to buy a house or welcome the best time!
Since the beginning of this year, the property market policy has been regulated continuously, from the first "RRR cut" on February 4 to October 24 again in the form of "double reduction" adjustment, up to now a total of 7 times of regulation and control, but also reached the lowest loan interest rate ever!
This is undoubtedly to provide convenience for home buyers, take the latest RRR and interest rate cut as an example: 1 million 30-year mortgage, according to the calculation of equal principal and interest, will be 153 yuan less per month. In terms of the total interest, the total interest of the original 30-year loan was nearly 10,000 yuan, and after the interest rate was reduced, the total interest was more than 910,000 yuan, saving a total of 10,000 yuan in interest.
This is undoubtedly to provide convenience for home buyers, take the latest RRR and interest rate cut as an example: 1 million 30-year mortgage, according to the calculation of equal principal and interest, will be 153 yuan less per month. In terms of the total interest, the total interest of the original 30-year loan was nearly 10,000 yuan, and after the interest rate was reduced, the total interest was more than 910,000 yuan, saving a total of 10,000 yuan in interest.
Winter ** is stable, and it is possible to buy a cheap house now.
In the past, entering the off-season, a subconscious "cat winter" has affected people's buying habits. In addition, because there are fewer people who need to buy a house such as marriage, the market usually shows a temporary oversupply, at this time, many homeowners who need to withdraw funds at the end of the year will sell their houses at a lower price, therefore, ** will be relatively cheaper.
Buying a house now can avoid the ** of the "Golden Three, Silver and Four" housing prices in 2016.
A recent real estate industry strategy report said that the real estate recovery cycle has been formed, the recovery will continue until 2019, and the real estate will be in an upward stage in the next few years, and for first-tier cities such as Beijing, housing prices** may be almost zero.
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Anonymous users2024-02-07As far as Wuxi is concerned, the change in the average price itself is not particularly large, mainly depending on the house you choose, and which real estate is specific to what type.
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Anonymous users2024-02-061. It is easy to get a loan at the end of the year.
The end of the year we talked about is before the Spring Festival, usually in the month, at this time it is actually relatively easy to get a loan, because most banks start housing loans in January, and the amount is relatively large. And at this time, the finch phenology loan has a good chance to enjoy the preferential loan policy. And when it comes to the Spring Festival, many preferential policies have stopped.
2. There is a lot of room for selection.
Although there are not many houses at the end of the year, there is still a lot of room for buyers to choose, on the one hand, because there are not so many buyers at the end of the year, so buyers can be more relaxed. On the other hand, many developers will now offer discounts for returning to their hometowns to buy homes. Buyers will have the opportunity to choose more quality homes.
3. There is a chance to pick up leaks.
At the end of the year, many real estate companies are facing the problem of recovering funds, so they will launch some preferential performances. At this time, if the buyer can come across a good house, he has the opportunity to buy it at a lower ** than usual.
What are the benefits of buying a house at the end of the year?
1. There are many preferential activities.
Since developers need to settle workers' wages at the end of the year, even in the off-season at the end of the year, they will try their best to make many preferential activities to attract buyers and return funds. If buyers choose to buy a house at the end of the year, they can save a lot of money in these preferential activities, but buyers also need to use preferential measures and favorable policies to choose a house and improve the cost performance of the house.
2. There is a lot of time to see the house.
Since there are more holidays at the end of the year, in addition to the New Year's Day holiday, there is also the Spring Festival holiday, buyers choose to choose a house during these holidays, they can have more time to see the house, and there are not many people who buy a house at the end of the year, so they don't need to crowd in the real estate company or intermediary company, and they can easily see the house.
What should I pay attention to when buying a house at the end of the year?
1. Pay attention to the ** room.
Many developers will discount the banner of ** house to attract buyers, and buyers are often attracted by ** house, so when looking at the house, buyers must pay attention to the ** house, because many ** houses are flawed houses, such as poor house type or poor quality and large shared area and other shortcomings, and some developers will also improve the house, and then play the way to **, buyers may buy such a fake ** if they do not pay attention to it.
2. Pay attention to the gift area.
There are many sales routines of developers, in addition to the first house, the free area is also a very common means of sales, and not all the free area is cost-effective, there may be only a small part of the free area is more useful for buyers, but buyers are often attracted by such discounts, if you buy a non-cost-effective free area, not to mention that these areas are not calculated on the real estate certificate, and the cost has long been evenly distributed into the house price, which is not good for buyers.
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Anonymous users2024-02-05Summary. According to the new housing loan policy issued by the state in 2021, the state has clarified three red lines for real estate financing. First, the asset-liability ratio after excluding advance receipts is greater than 70; Second, the net debt ratio is greater than 100.
The third is short-term cash debt, which is less than 1 times. If you compare property developers based on these three red lines, many people find that more than 70 percent of developers are involved in some red lines. Prior to the official release of the policy, more than 300 developers had declared bankruptcy.
Therefore, if you buy a house in 2021, the risk increases significantly.
According to the new housing loan policy issued by the state in 2021, the state has clarified three red lines for real estate financing. First, the asset-liability ratio after excluding advance receipts is greater than 70; Second, the net debt ratio is greater than 100. The third is short-term cash debt, which is less than 1 times.
If you compare property developers based on these three red lines, many people find that more than 70 percent of developers are involved in some red lines. Prior to the official release of the policy, more than 300 developers had declared bankruptcy. Therefore, if you buy a house in 2021, the risk increases significantly.
And affected by the epidemic, housing prices in some areas will change, and it is not recommended to buy a house.
The total floor is 26, I bought 14 floors, the front is the highest 11 floors, the view and lighting are very good, and ** is also relatively cheap in the 26th floor, not afraid of the elevator break, because the staircase is open to all three, and there are two other homes that can go up, Country Garden design is very good.
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