To buy a house, should you do it in one step?

Nowadays, people who have a house are local tyrants, at least "quasi-local tyrants". For local tyrants, there is no problem with a large house in one step, but for the white-collar "quasi-local tyrants" who live on wages, the huge monthly payment pressure brought by one step is obviously unbearable, and it is their strategy to work step by step.

Buying a house, whether to buy a small house first or grit your teeth and buy a large house in one step, many buyers, especially young people, have had such a struggle. According to statistics, 50% of them chose to go step by step, because they may not have so much money, and they can buy as much house as they can; Another 43% of home buyers choose to do it in one step, and the opportunity to make a down payment of 30% is rare, as long as they can, they can do it in one step; Another 7% of home buyers choose not to know, because it is not good or bad to do it in one step, but they do not know where the down payment is.

Buying a house is not easy, in today's high housing prices, for young people, whether it is 2 or 3 percent to save up. In the context of rising housing prices and the new policy for second homes, I believe this problem has troubled many people.

Everyone knows that buying a house in one step makes it more comfortable to live. However, it also means that there is more economic pressure. However, multiple home purchases are strictly limited in terms of credit, and if the housing requirements are high and the financial conditions allow, it is best to choose one step.

The problem is that some consumers who plan to buy a house are strapped for money and want to do it in one step, which is the source of distress.

When it comes to buying a house, we have always advocated doing what we can. For consumers with relatively limited economic strength, even if there is a large demand for housing, no matter how good the expectation of housing is, based on their own economic affordability, it is best to balance the total price and area when choosing a house. Of course, this trade-off, for anyone, is a great test, and it requires skill, experience, and wisdom.

For example, if you have a one-step loan to buy a house with a lot of pressure, more than 50% of your monthly income and expenditure, it will be recommended that you buy a house or step by step, and when you have money, you are considering changing houses, or your pressure is too great, in case one day, when your parents need money, you can't get a penny, you may have to open your hand to go, that is very embarrassing. Therefore, it is best to choose a suitable real estate and apartment type according to your own economic strength and focus on meeting your initial living needs. When the conditions are ripe, or after the economic strength is enhanced, upgrade and buy a house according to the demand.

However, for buyers with relatively stable incomes and certain funds, it is best to buy a house in one step. In addition, the so-called one-step approach is also relative. The actual life of individuals in different periods of life is also different.

To sum up, buying a house should not be done in one step, the most important thing is the down payment and income, for young people, buying a house must be done within their means, based on the present at the same time, but also to plan for future needs, long-term home purchase.

The above was released on 2017-01-16, the current relevant housing purchase policy is subject to the actual situation).

The first time you buy a house, choose a three-bedroom or four-bedroom in one step, is it cost-effective?

The written materials that need to be provided to buy a house include:

1. Valid identity certificate (ID card, household registration book or other valid residence certificate) for the self-employed person and his or her spouse, and the business license (original copy and copy) for self-employed persons;

2. Proof of marital status of the borrower (marriage certificate or single certificate);

3. For foreigners, foreigners or singles, they must be guaranteed by someone with a local hukou;

4. Proof of income and property of the borrower and his or her spouse;

5. Purchase contract and down payment receipt;

6. Letter of commitment for mortgage of the co-owner of the property;

7. Bank Housing Mortgage Loan Application Approval Form.

For whether to buy a house "in one step", it is necessary to consider all aspects and do what you can.

First, the advantages of "one-step in place".

1 Avoid losing the qualification to buy a house due to purchase restrictions.

Recently, many cities have successively issued policies to join the purchase restriction team. Improved home buyers are easily affected by the restricted purchase policy and lose their ability or qualification to buy a house. However, if it is a "one-step approach" and you buy a house that can meet your living needs when you buy a house for the first time, you will not be affected by the purchase restriction policy.

2 Housing facilities are more complete.

The "one-step" purchase of a house is naturally better than the purchase of transitional housing just to meet the rigid needs. After all, the house purchased "in one step" is basically compared in many ways, both the supporting facilities and the environment are more perfect, and life is more convenient, so that the family can enjoy a comfortable life earlier.

3 Looking to the future, one step is more suitable.

Buying a house is a lifelong event that is related to the quality of life of a family, so it is important to focus on the future, consider comprehensively, and take a long-term view. Although this model of buying a home can be stressful at first, it is a wise choice for those who have relatively strong financial resources.

After all, housing prices have been in the first trend, although it will be easier to "buy small for big" at the beginning, and the pressure is small, but when you change the second house, the cost of housing prices, the re-investment in decoration, and the loan of the original house are extremely high. In contrast, it is more appropriate to do it in one step.

At the same time, due to the current liberalization of the comprehensive two-child policy, buying a house "in one step" provides convenience for couples who intend to have a second child. When you are pregnant with your second child, you don't have to worry about the down payment for a second home, saving time, energy and money. To use an image analogy, buying a house in one step is a short-term pain, and "buying a small for a big" is a long-term pain, and a long-term pain is not as good as a short-term pain.

Second, the shortcomings of "one-step implementation".

1 The total price of the house is high, the down payment is high, and the loan pressure is high.

If it is done in one step, the total price of the house is high, and some cities have increased the proportion of down payment, the loan pressure will become greater, the overall cost of buying a house will be higher, and the economic ability of buyers will also be higher. If it is for the current home buyer who is not so financially strong, the financial burden of buying a house "in one step" may be beyond their affordability.

Especially in the long run, the monthly mortgage repayment is also a very large expense, and the "one-step" type of buying a house will reduce the quality of life in the end.

2 Large area and high decoration cost.

"The house bought in one step has a large area, and at the same time, because it will be lived and used for a long time in the future, the decoration of the house should also reflect high quality and high quality. Therefore, the cost of renovating the house is bound to increase greatly, which also increases the burden on buyers.

1.It's not necessarily a good time for you to buy a house now.

2.The small two-room, if it is a new house, also needs to have decoration and other maintenance costs. About 8-10W. It adds up to almost 40 w.

3.If you really want to buy it, I suggest you buy the big one, for a family of three, or a bigger one, and there are various other advantages. In the future, depending on the trend of housing prices, you can buy a small house for rent.

3. According to the principles of economics, the period of inflation is usury, if you want to have more money, you can borrow more and pay less, and then look at the situation.

If you want to buy it, you can get it all at once, and you have to like it.

All at once. Otherwise, if you hesitate for too long, you won't be able to make a decision.