I m in a third tier city, and I have enough money for a down payment, so is it okay to buy a house n

Not recommended! Now housing prices are very expensive, housing prices in third-tier cities have risen, the rural economy is better, and a large number of farmers are pouring into third-tier cities to act as urban people.

As everyone knows, there is a lot of wasteland and dilapidated old houses in rural areas, and many newly built houses in third-tier cities are now sold to farmers, and many of those farmers follow the trend to buy, can't buy them, and continue to work with their families empty, resulting in inflated housing prices, but not living will also incur costs. Therefore, this part of the people buy a house, it will be very stressful to live, and now the rural hukou is very good, and when this part of the population pours into the city, what will happen to the remaining farmers? (Just look at the United States).

Those who bought houses in the city before, if their hukou has not moved out, will want to sell their houses in large numbers. At that time, it will be time for China's housing prices to fall, and China's housing prices will start to rise from the first-tier cities, and if China's housing prices really want to fall, they must start from the third-tier cities.

If you are from the countryside, it is recommended to go home and build a villa, now build a new countryside, repair the house and have subsidies, and in another decade or two, you will be proud of your identity as a farmer!!

If you really want to buy a house, you must not move your hukou, it will be difficult for you to cry and want to move back in the future! (It seems that it is not easy to move back to the rural household registration now)!

If you are not from a rural area, it is recommended to move your household registration to the countryside immediately!

Rigid demand is bought immediately, and house prices are stable at most. It's hard to want to fall, unless you want to think about the economic crisis of '08. However, you must choose a community with a good brand and reputation, which will ensure the quality and environment of your future residence.

I have been doing real estate for so many years, and this year is the year with the most policies. Residential areas with high appreciation potential can be considered, rather than places with complete supporting facilities at present.

Third-tier cities. The average house** is maintained at about 6,000 yuan per square meter, if we follow the sales of 100 square meters of 600,000 yuan** as an example, the down payment amount is as high as 30%, and the user needs to pay 180,000 yuan to enjoy the process of buying a house. Many houses in third-tier cities are relatively average, relatively speaking, users can choose a particularly large space, although they cannot buy a house in the ** area, but they can also choose a place with a very convenient transportation environment.

While every city publishes the average home**, there is a particularly large gap between the homes sold in the lot and the homes sold in the non-lot. For example, the suburbs of Beijing.

The houses ** remained at 30,000 yuan per square meter, while the houses in the central urban area of Beijing exceeded 300,000 per square meter. The transportation resources and surrounding environment brought by different locations are not the same, which is also a factor that many people need to consider when buying a house.

As many cities encouraged home buying transactions, existing housing schemes were eventually eliminated in many cities. Housing** in many small and medium-sized cities has become relatively stable, which has also contributed to the fact that many people are buying houses in small counties. In addition, some cities have made a series of dividends to home buyers.

programs and incentives to ultimately facilitate the purchase of a house.

In addition, housing** in third-tier cities is much lower than in first-tier cities.

and second-tier cities, coupled with the limited housing market, some real estate companies will carry out ** activities. Once a home** in a prime location becomes stable, a down payment of $200,000 allows buyers to enjoy more options for buying a home.

In general, it is not easy for each staff member to save a down payment of 200,000 yuan, so careful selection and understanding of the infrastructure in various sizes will help people get a very cost-effective **. In addition, the down payment of 200,000 yuan is not a simple number, which can enable buyers to choose a residence of about 100 square meters, and they must pay attention to formal channels and regular developers.

I think you can buy houses in Hohhot, Luoyang, Urumqi, Nanning, Haikou, Jining, Zunyi, Handan, Guilin, Zhangzhou, Lianyungang, Mianyang, Huai'an, etc., and the housing prices in these cities are now declining due to the impact of some policies, and many young people can afford to buy houses.

You can buy a house in Yangzhou, Wenzhou, Zhenjiang, Zhoushan, Foshan and other cities, these places are very suitable for ordinary people to live, and the price is not high.

You can buy a house in Chengdu, Chongqing, Liaoning, Hohhot, Baotou, all of these places.

The amount is large, which provides a guarantee for the demand for real estate, which is conducive to the preservation of housing prices.

In particular, properties in near-area areas have a greater potential value. If you choose the right location and can calmly cope with market fluctuations, you still have a certain opportunity to maintain and appreciate your value. But you also need to be prepared to face greater market uncertainty, especially the risks brought by policy changes, so whether to buy a house or not.

What else do you need to look at?

The first point is whether to buy a house or not depends on your own needs.

Many people have no opinion on buying a house, and they always feel that they have to ask other people, even if they are seven aunts and eight aunts who don't understand. Why spend money to buy a house that someone else likes?

If you just need to get married, and the down payment is not so much, you can consider buying a little bit, and a smaller one, get in the car first;

If it is an improvement type, consider whether it is a school district-housing, and what is the environment and supporting facilities around the community;

If it is an investment, then it is necessary to consider the future appreciation space and urban planning in the future.

The second point is not to buy a house with the mentality of housing prices.

Many buyers have this mentality, the house price has fallen, and if you wait, you can only fall again. In fact, thinking about our daily life, do you still think housing prices will fall? The income is getting higher and higher, all the prices are constantly **, the rural population is constantly migrating to the city, and now when I go back to the countryside, I can only see the old people and the young people going to the city;

Housing prices rose by 20,000 and fell by 2,000 thousand, which is not called a fall.

The third point is to just need to close the car in the morning.

Many buyers always want to buy a house**, and they are entangled in when is the best time to buy a house. For rigid needs, the sooner you drive, the better. When it comes to buying a house, the later you buy the house, the greater the risk.

Fourth, don't hesitate to buy a house, and get in the car when you like it.

Many people buy a house with such a mentality, they want to buy the best house with the cheapest **, look left and look at one set, hesitate, and wait and see, not knowing whether to buy or not.

In fact, buying a house should be determined according to their actual needs, but also to understand the market, if you want to be cheaper, the location may not be very good, if you want to improve the supporting facilities, the age of the house is relatively large, anyway, the pros and cons should be measured clearly.

There is no perfect, appropriately discard the unimportant, and treat it rationally.

Buying a house requires experience and skills, and for those who haven't bought a house yet, it's a good thing to be able to receive more people's experience in buying a house. From the experience of people who have come before, I can teach myself a lot of knowledge and skills to buy a house, as a novice who buys a house, you can't buy a house without knowing anything.

Have you ever seen people who have borrowed one or two million to buy a house, have you ever seen someone who has saved up to more than one million to buy a house? There are indeed such people, and it cannot be said that other people's practices are not smart, after all, the house was bought, and this is the way he chooses himself. However, with 1 million in hand, how to buy a house to be considered smart?

Families who can have savings of 1 million, or more than 500,000 yuan, have good family conditions. 1 million can buy a house in full, at least in third- and fourth-tier cities, 1 million can buy a good house. But why do some people buy houses and get richer and richer, while ordinary people feel poorer the more they buy houses?

The key lies in the allocation and use of funds.

If you really have 1 million in your hand, or hundreds of thousands, many people will choose to buy a house in full, but in the long run, this is not a smart approach. First of all, there is no cash in hand, in case there is a place where there is money in the future, the house cannot be sold, and you have to ask others to borrow money, "cash flow" is too important in this society, you can't lose "cash flow" because you buy a house, and those who get married in order to buy a house, the expenses you have to have after marriage should also be considered before buying a house.

Secondly, in the long run, 1 million, instead of choosing to buy a house in full, it is better to take out a loan to buy a house. There are three reasons, one of which is the problem of "cash flow" mentioned above, you can't buy a house and have no savings, in case something happens, life pressure will still be great. Second, although the interest rate of taking out a loan to buy a house is high, it has to be said that in the current situation where cash is depreciating and the house can appreciate, taking out a loan to buy a house is the best way to resist inflation.

Why?

With a down payment of 1 million, you can take out a loan to buy a good house, high-end residences, large flats, school district houses, urban houses, you will buy a better house, not only is it convenient for you to live, but also the house can appreciate in value, why not? Third, many people are scared away by the interest of taking out a loan to buy a house, thinking that the pressure of buying a house with a loan is high and the interest rate is high, but for those who have a stable job and a relatively high income, they can choose to enjoy life with extra money, such as buying a good car, traveling once a year, giving their parents more money, etc., are all good choices. And if you have a stable job and a good income, why not do it?

There is no pressure on the monthly loan payment.

Whether it is a loan to buy a house or a full payment to buy a house, the applicable people are different. But buying a home isn't just about your current preferences and choices, it's also about taking the long term. After all, the money spent to buy a house is often the most expensive in life, and if you buy a house, the house will depreciate in value within a few years, then you will know that you regret it.

With a deposit of 1 million, it is obvious that you can choose a better house, even if the house price **, it is not easy to believe that the location is good, high-end residence**.

If you have a stable job salary and can repay the loan amount, it is best to go to the first-tier cities to mortgage the house, and the development in the first-tier cities will always be better than the development of the third-tier cities, and the housing prices in the first-tier cities are only high and not low, and it may be a huge asset in the future.

In fact, if you really have 1 million in your hand, or hundreds of thousands, many people will choose to buy a house in full, but in the long run, this is not a smart approach. Because "cash flow" is so important in this society, you can't lose "cash flow" because you buy a house.

It must be to buy a mortgage house in a first-tier city. Because the resources of first-tier cities are incomparable to those of third-tier cities, it is necessary to buy a house in first-tier cities.

If you want to buy a house in a third- or fourth-tier city, it is suitable for a monthly income of one square meter.

According to the survey, only people with a monthly income of 3,000 yuan and 6,000 yuan have bought a house, but 44% of them have saved money to buy a house; Those with a monthly income of 6,000 yuan and 10,000 yuan have already bought a house and are ready to buy a house. People with a monthly income of 10,000 yuan and 20,000 yuan have bought a house, and others are preparing to buy a house.

It needs to be analyzed differently according to the development of different cities, but there is a rule, if your monthly salary is the same as the local housing price, you can basically buy a house. First of all, the monthly salary is the same as the house price, which proves that you have enough ability to repay the loan; Secondly, the first price of housing in recent years proves that the salary income has also increased again, and there is the ability to buy a house; Finally, the monthly salary is the same as the house price, which ensures the basic life after buying a house.

First of all, you have to have the full amount of money to buy a house, if you don't have the full amount, then you can only take out a loan, and if you have more than 600,000 yuan, you can buy a house of more than 600,000 yuan in full, it depends on whether you have some good financial plan. <>

Because the interest rate on loans is about 4.00 percent, which is not high, but if you don't have a good financial plan, just keep your money in the bank. Because the interest rate of the bank is not as high as the interest rate of the loan, it is certainly not cost-effective. Therefore, if you do not have a good financial plan, it is recommended that you pay the full amount, which will be more cost-effective.

But if you have a good financial plan, because there are many wealth management products now, its yield is higher than the interest rate of your loan. For example, if you take a loan of 300,000 yuan and repay it for 20 years, the interest generated may be about 25, but if you take 300,000 yuan as a wealth management product. Your 300,000 yuan may generate more than this amount of money in 20 years, and it may double or even triple.

Because many people now have money, but they will not take out all the money to buy a house in full, or continue to take out loans. He will use the rest of the money for financial management, because the benefits are greater.

Of course, if you manage money, there will be certain risks, and you may lose money, so this is also a situation that needs to be considered. It is best to choose some financial products that are more secure. Even if it is an insurance financial product, its income will be a little higher than your loan interest rate, and they may generally reach a return of five percent, and it is very safe.

Therefore, if you calculate it this way, it is more cost-effective to choose a better financial product with insurance.