Whether you have bought a house or not, under the exchange, I have not been able to make up my mind

First, the first is to analyze the current house prices. Looking at the current average house price of a city, it can be seen that the supply and demand relationship of a city, if it is oversupply, it means that the house price is on a downward trend, you can consider buying a house, if the supply is less than demand, the house price will also appear in the lower range, and it is not very suitable for buying a house.

Second, look at the trend of macroeconomic control policies, the degree of tightness of macroeconomic control policies has a direct impact on housing prices, so before buying a house, analyze the current macroeconomic control background, and then decide when it is suitable to buy a house.

Third, look at the city's transportation construction and future urban transportation planning. In addition to supply and demand, housing prices are also affected by transportation. The more convenient the transportation, the corresponding housing price will definitely be higher.

Fourth, looking at the operation of local intermediary companies, the sales of the real estate market are directly linked to the performance of intermediary companies, so the performance of intermediary companies can directly reflect the trend of the local real estate market.

Fifth, we should look at the financial policies of banks, mainly in terms of loans and interest. If the interest rate of the loan goes up and the interest increases, it obviously means that you will have to spend a lot more money to buy a house, which is not suitable for you to buy a house.

Sixth, and most importantly, it still depends on your financial ability, if your financial ability is strong enough, it is more appropriate to buy a house at any time.

Just buy it as soon as you need it, and buy a house for the most fear of gains and losses.

You can pay attention to the local real estate trading center, or the real estate network, real estate forum.

Buying a house needs to consider:

PurposeBefore buying a house, consumers must consider and understand why they are buying a house, whether it is for self-occupation, to improve housing conditions, or as an investment? If you are self-occupied, you can choose a community with convenient transportation and living facilities or a second-hand house; If you want to improve your housing conditions, you should choose a large apartment; And if it is an investment, it should also be combined with the current economic situation.

Location properties are very personal and location is always a key factor in determining their value. Therefore, buyers must choose properties in different locations according to their own purposes, such as school district housing, downtown housing or subway line housing? If you want your children to go to school, of course, you should choose a school district house, and because of its geographical advantages, the investment value is relatively large.

Generally speaking, if it is an investment, it is recommended to choose a small apartment. If you want to improve your living conditions, of course, you have to choose a large apartment. However, small homes are one of the most popular types of homes that have recently been introduced in the residential market and are popular among young people.

When young people are in the workforce, buying a small house is a wise transitional option when they are not financially able and have a small family. However, when buying a small house, you should pay attention to the fact that the functional layout should be reasonable, and how to create a comfortable space in a small area is the key to buying a small house. In addition, in an overall real estate, many small houses are mostly distributed in the north and corner of the building, the lighting and ventilation conditions are not good, and they are relatively close to the elevator room, which is easy to interfere with, and these problems need to be paid attention to when purchasing.

In the current state of regulation of the developer, the factor of the developer is the most important. My suggestion is to choose a large developer, because its financial strength, technical ability, and anti-risk ability are relatively strong, and the later properties are also relatively reliable. Small developers are prone to the problem of broken capital chain, which will affect a series of problems such as delivery, housing quality and later properties.

In addition, before buying a house, buyers must first see whether the developer's state-owned land use certificate and other documents are complete. Don't take the deposit lightly, be sure to see the formal contract and give it after careful consideration, and ask the developer to include advertising as a contractual agreement. When consumers sign a house purchase contract, they must carefully grasp the terms of area, **, charges, as well as terms of liability for breach of contract, housing quality, property management, etc., to avoid unnecessary losses to themselves.

A lot of people think that it's a very important factor, but I think that, of these, the least important is the one. In the current economic environment, there will be no big drop or. When the buyer determines the location and the purpose of the purchase, there will not be much difference.

If you buy it, you can buy it early, enjoy it early, and you may be promoted, and it is good to make a fortune.

If you buy a house again, it's considered a second house. The down payment for a second home, whether it is a commercial loan or a provident fund, must be more than 50%. According to the latest national standard, the interest rate of the provident fund is almost every three or five times in this regard.

If it is a commercial loan, you will not be entitled to the discount and the interest rate will increase by 10%. The maximum loan for CPF loans is 500,000. The loan tenure is the age of the house + the loan tenure cannot exceed 50 years.

If you transfer the ownership, you will be considered a second-hand house transfer.

Closing costs. 1. Service fee for second-hand housing transaction procedures: 6 yuan square meter for residential housing (half of the charge for housing reform housing, affordable housing, and safe housing: 3 yuan square meter); Non-residential 10 yuan square meter. The buyer and seller each bear half of the burden.

2. Second-hand housing transfer registration fee: 80 yuan for ordinary second-hand housing residential category, and the buyer bears it.

3. Land income from the transfer of second-hand housing (collection): Collected when housing reform housing, affordable housing, and housing engineering housing are sold and transferred, and are levied at 2% of the normal transaction price of the house. Seller's assumptions.

4. Second-hand housing transfer fee: 50 yuan.

5. Second-hand housing transfer deed tax: the tax rate is 3%, which is levied according to the normal transaction transaction**; The deed tax rate of self-used ordinary residential buildings purchased by individuals (construction area of less than 144 square meters, floor area ratio of more than 4,290 square meters, transaction **4,290 square meters) shall be halved and levied; If the demolition residents repurchase a second-hand house due to demolition, the part equivalent to the demolition compensation shall be exempted from deed tax, and if the transaction exceeds the demolition compensation, the deed tax shall be levied on the excess part. Buyer assumes.

6. Stamp duty on the transfer of second-hand housing: the tax rate is 1, which is levied according to the normal transaction transaction, and both parties to the transaction bear half of it.

7. Second-hand housing transfer business tax and surcharge: If the real estate certificate is transferred within two years, the business tax cannot enjoy preferential reductions and exemptions, and the business tax needs to be levied according to the difference between the transfer income and the original price of the purchased housing.

8. Individual income tax on the transfer of second-hand housing: There are two ways to collect the purchased house when it is listed and traded for less than five years, with a tax rate of 20%, which is calculated and levied according to the income from property transfer (this transaction** - the original price of the house - the original deed tax - the business tax paid - the reasonable expenses);

Failure to provide the original purchase invoice will be levied at 1% of the transaction**. Seller's assumptions.

From the real estate network.

Buy in the name of the subject and let the subject take the money.